Cheap Auto Insurance Quotes in Yankton, SD (January 2022)

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Last Updated: January 2022

A small city located on the bank of the Missouri River, Yankton is home to about 15,000 people. Driving in this area is anything but stressful, as streets are organized in an easy-to-navigate grid-like fashion and traffic is rare. Yankton has several larger highways along with a handful of larger surface streets to offer a variety of routes for drivers. While Yankton’s roads are relatively calm, it’s important to always maintain adequate auto insurance.

Car Insurance in Yankton, SD

The average cost of South Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Yankton, SD to find you the cheapest quotes in the area.
ProgressiveAllstateState FarmThe GeneralAmerican Family

Cheapest Car Insurance in Yankton, SD

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

South DakotaSioux FallsRapid CityAberdeenBrookingsYankton
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Yankton, SD Driving Facts


Minimum Car Insurance Requirements in SD

The state of South Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in South Dakota are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that South Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in South Dakota are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of South Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 7.7 percent, or just over one out of thirteen, South Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance. Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Yankton Car Insurance Rates by Driver Age

At $171, most teens with a part-time job should be able to afford car insurance and still have time for good grades, sports, and extracurriculars. In the Mount Rushmore State, more years of experience mean cheaper premiums. For this reason, twentysomethings slice $70 off the price the youngest drivers pay. From then on, everyone stays below the state average of $160 per month. Those in their 40s lock in the best deal, with a price that’s less than half of what teen drivers shell out.

Driving History
No Violation$89
Speeding Ticket$154
At-Fault Accident$104
Failure to Stop for Red Light / Stop SignN/A

Yankton Car Insurance Rates by Driving and Accident History

Yankton’s drivers know the wisdom of safety and its benefits on and off the road. People get the peace of mind and security defensive driving provides, and insurance companies reward responsible motorists with “good driver” and “accident-free” discounts. But all it takes is one missed alarm clock, and a speeding ticket can bump up the rate by over $60 per month, or $720 per year. If there’s a ticket or accident on a person’s record, three years of careful driving, and it’s back to clean.

Yankton Car Insurance Rates by Credit Tier

South Dakotans have wondered what their credit has to do with their driving. State law says insurance companies can use credit as a factor when setting rates. Typically, people with the best credit pay the least. But in Yankton, why do drivers with average credit squeak out the best deal? People with better credit might finance costlier cars and need more coverage to protect their assets. Either way, moving from poor to average credit will save over $100 per month, or $1,200 per year.

Yankton, SD DMV Information

South Dakota offers some unique DMV services with a Driver License Office situated in north Yankton and a DMV Now kiosk inside the Hy-Vee grocery store. This kiosk allows motorists to complete simple tasks, like renewing their vehicle registration, while the Yankton Driver License Office provides full DMV services. Open Tuesday through Friday from 7 a.m. to 5:30 p.m., it’s not a place where you’ll find lengthy waiting times.

Public Transportation in Yankton, SD

Yankton’s public transportation is exactly what you’d expect for a city that’s so small; a bus system runs from 7:30 a.m. to 5 p.m. Monday through Friday. If you need to travel on a weekend, holiday, or outside its operating hours, you’ll have more success using a rideshare service like Lyft or Uber. Residents of Yankton who don’t own vehicles often need to plan their trips in advance, especially during the winter months.

Find local Yankton agents

Koch Insurance 
904 W 23rd Street Ste. 103, Yankton, SD 57078
Missouri River Associates LLC 
124 Walnut St, Yankton, SD 57078
2405 Broadway Ave, Yankton, SD 57078
Kevin Guthmiller Agency LLC 
1818 Broadway Ave Ste 6, Yankton, SD 57078
M T & R C Smith Insurance 
204 W 4th St, Yankton, SD 57078-4359
SD Bankers Insurance & Services, Inc. 
PO Box 265, Yankton, SD 57078
DFS Insurance 
609 W 21st Street, Yankton, SD 57078
Farmers Union Insurance Agency 
317 Broadway Ave Ste.9, Yankton, SD 57078
Midwest Ins Agcy 
3016 Piper Street, Yankton, SD 57078-3547
Roy Wilcox State Farm Insurance
200 W 4th St, Yankton, SD 57078

Insurify Insights: How Yankton Drivers Measure Up

Chevrolet Silverado
Most Popular Car in
Yankton, SD
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Yankton drivers measure up to their fellow South Dakota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Yankton

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Yankton is the Chevrolet Silverado.

DUI/DWIs in Yankton

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Yankton drivers rank -- in the number of DUI’s per driver across all cities in South Dakota.

  • Rank within state: #--
  • Percent of drivers in Yankton with a DUI: {{percentDrivers}}%
  • Drivers in Yankton, SD with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Yankton

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Dakota, Yankton drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Yankton with a speeding ticket: {{percentDrivers}}%
  • Drivers in Yankton, SD with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

How to get the best and cheapest car insurance in Yankton, SD

Traveling throughout Yankton is often considered easy when you compare it to other parts of the nation, but that doesn’t mean motorists shouldn’t always be aware of their surroundings. Winters in South Dakota can be treacherous for drivers, so it’s important to make sure you allow extra time to arrive at your destination.

Don’t let the threat of expensive car insurance keep you from enrolling in the policy that offers you robust protection when you’re behind the wheel. Insurify allows you to compare prices from multiple carriers and has saved drivers more money than they ever thought possible. Visit Insurify today and enjoy greater peace of mind while you drive.

FAQs - Yankton, SD Car Insurance

What kind of car insurance do I have to purchase in Yankton?

Drivers here are required to carry bodily injury, property damage, and uninsured motorist coverage. While collision and comprehensive options aren’t mandatory, many drivers opt for this additional protection.

Can I go to jail for driving in Yankton without auto coverage?

Considered a Class II misdemeanor, driving without insurance could land Yankton motorists in jail for 30 days. You may have to pay a fine and could also have your license revoked for at least 30 days and, in some cases, up to one year.

Where can I find cheap car insurance in Yankton?

It’s important to compare prices in Yankton, as some policies can differ in price dramatically. To find the best car insurance for your needs, visit Insurify today. Drivers can view discounts in Yankton and enroll in the right policy for their driving habits.


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.

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