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South Dakota Car Insurance for High Risk Drivers (With Quotes)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Insurance Companies for High Risk Drivers in South Dakota (2022)

For drivers that are high-risk in South Dakota, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in South Dakota. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in South Dakota.

CarrierAvg. Monthly Cost
American Family Insurance$180
Dairyland Insurance$195
Safeco Insurance$207

What Makes a Driver High-Risk in South Dakota?

Insurance companies define high-risk drivers as those who are more likely to file claims than average drivers. You could end up on the list through no fault of your own, or choices could place you in the category. How exactly?

First-time drivers, teenage drivers, and those age 65 or older all end up in the group—likewise for people with no credit or poor credit. You can also earn a spot if your driving record has the following snafus: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. No matter what caused it, you can still find a sweet deal in the Mount Rushmore State.

South Dakota Car Insurance Rates for High-Risk Drivers

No Violation
$157
Speeding Ticket
$176
Failure to Stop
$189
Reckless Driving
$205
At-Fault Accident
$212

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in South Dakota?

Even those who want a career in NASCAR don't look to add "high-risk driver" to their résumés. It mostly happens by chance. Speeding tickets, fender benders, and hard-to-see stop signs have all put more than their fair share of people in the high-risk category. Does that mean one slight mistake will cost you forever?

Luckily, most insurance companies stop the search after looking back three years. While you wait, if you wish to save, you can compare coverages and quotes, avoid tickets and accidents, and shop around every six months. Here are the rates for different high-risk offenses:

Driving HistoryAvg. Monthly Cost
No Violation$157
Speeding Ticket$176
At-Fault Accident$212
Reckless Driving$205
Failure to Stop$189

How Much Does a Speeding Ticket Impact Car Insurance Rates in South Dakota?

Maybe your phone died, you missed your alarm, and now you're rushing to work. Speeding past a cop car will earn you a ticket that shoots your price up by nearly $20 per month, or $240 per year. The math works out to something that's still affordable for many South Dakotans:

No Violation - Avg. Monthly Rate
$157
Speeding ticket - Avg. Monthly Rate
$176
$19 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in South Dakota?

How bad was the wreck? Sometimes, it's better to pay out of pocket than file it on your insurance because even a fender bender bumps your rate up by $55 per month, or $660 per year. Here's how the details work out:

No Violation - Avg. Monthly Rate
$157
Speeding ticket - Avg. Monthly Rate
$212
$55 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in South Dakota?

The person turning left knows you're coming through, but was the light yellow or red? The police officer will swear it was red when he hands you a ticket that pops your rate up by over $30 per month, or $360 per year. Check out the price after a failure to stop:

No Violation - Avg. Monthly Rate
$157
Speeding ticket - Avg. Monthly Rate
$189
$32 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in South Dakota?

Insurance companies define high-risk drivers as those who are more likely to file claims than average drivers. You could end up on the list through no fault of your own, or choices could place you in the category. How exactly?

First-time drivers, teenage drivers, and those age 65 or older all end up in the group—likewise for people with no credit or poor credit. You can also earn a spot if your driving record has the following snafus: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. No matter what caused it, you can still find a sweet deal in the Mount Rushmore State.

Tips for Researching High-Risk South Dakota Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like South Dakota draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - South Dakota Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county South Dakota. Insurify analyzed the latest data for the five most populous cities in South Dakota to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in South Dakota and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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