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

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 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.

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.

Quick Facts

  • The average cost of car insurance in Yankton is $176 per month, or $2112 annually.
  • Car insurance in Yankton is $28 more than the average cost of car insurance in South Dakota.
  • The cheapest car insurance provider in Yankton on average is Dairyland, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
The General
American 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!
Insurance Provider in YanktonQuotes
Progressive$40 /mo
Allstate$46 /mo
State Farm$49 /mo
The General$174 /mo
American Family$184 /mo

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Average Car Insurance Cost

South Dakota Cities
Sioux Falls$103/mo
Rapid City$84/mo
South Dakota$93/mo
Rapid City
Average for SD
Sioux Falls
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in South Dakota

All motor vehicles operated or parked on South Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident


The minimum liability insurance requirements for private passenger vehicles in South Dakota are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Dakota is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorist bodily injury
  • $50,000 per accident for uninsured/underinsured motorist bodiliy injury
  • $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Dakota, drivers are required to purchase this coverage for bodily injuries.

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.

Driver's AgeAvg. Monthly Cost

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.

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

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.

Credit TierAvg. Monthly Cost

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
  • CorInsurance 

    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
View more

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.

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

  • 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.
  • 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.
  • 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.

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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.

Insurify Insights

How Yankton Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Yankton, South Dakota below:


Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Yankton drivers measure up to their fellow motorists across South Dakota in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.


Chevrolet Silverado

Most Popular Car in Yankton


City with the Most Speeding Tickets Rank in South Dakota


City with the Most Moving Violations Rank in South Dakota


City with the Most DUIs Rank in South Dakota


City with the Most Suspended Licenses in South Dakota

  • 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.

  • 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: N/A
    • Percent of drivers in Yankton with a DUI: N/A
  • 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: N/A
    • Percent of drivers in Yankton with a speeding ticket: N/A
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn

Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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  1. South Dakota Department of Labor and Regulation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022