Temporary Car Insurance in South Dakota:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Temporary Car Insurance South Dakota (2022)

For drivers looking for temporary insurance 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 will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

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 temporary car insurance for drivers in South Dakota.

What Is Temporary Car Insurance and How to Get It in South Dakota?

For South Dakotans, temporary car insurance policies usually last six months and are often more affordable than long-term, 12-month policies. A quick Google search results in many advertisements for daily, weekly, or monthly policies, but these are often tricky ways to lock you into a standard six-month policy. In the U.S., most reputable car insurance companies only offer six- or 12-month policies. If you need less than six months, a smart idea is buying a six-month policy and canceling early.

If you've ever signed up for something and then regretted your decision, short-term car insurance might be a wise choice. Temporary car insurance eliminates buyer's remorse because you're never more than a few months away from switching to a better fit. The best way to find a cheap price in South Dakota is to try Insurify. Insurify gives you up to 20 short-term car insurance quotes from top companies within minutes!

What Are the Average Short-Term Car Insurance Rates in South Dakota?

According to Insurify's database of over 25 million quotes, a six-month short-term policy in South Dakota costs $970 on average. After crunching the numbers, you realize That's $162 per month, a rate that makes South Dakota seventh for cheapest short-term car insurance in the country. While some drivers may argue $162 is high, it's less than half the $440 that people pay in Michigan, the most expensive state.

Length of Short-Term Insurance Policy
6 months$162$970

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in South Dakota?

Car insurance companies love to hand out their best discounts to brand-new customers, hoping they'll stay with the company for the long term. As time passes, it's common to see your price go up at every renewal. That means that the company with the winning deal today might not be the cheapest in the near future. When you buy temporary car insurance, you always see the best premiums the industry has to offer.

An often-overlooked benefit of short-term policies is flexibility. It's common to have an insurance agent, claims process, or customer service rep miss the mark. With a short-term policy, you're never more than a few months away from the opportunity to switch companies. Let Insurify help you track down the company with the best match of price and professionalism, all in just a few minutes.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in South Dakota within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in South Dakota

Insurance prices and policies can vary significantly between companies, and a state like South Dakota draws a wide variety of choices when drivers are evaluating temporary car insurance plans.

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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.

FAQs - South Dakota Car Insurance

Why is car insurance so expensive in South Dakota?

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.

Do car insurance rates vary by county in South Dakota?

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.

Which providers have the best auto insurance ratings in South Dakota?

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.

How much do annual auto insurance rates increase in South Dakota?

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.

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.