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.
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The state of South Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times.
reports 7.7 percent, or just over one out of thirteen, South Dakota drivers have no insurance
Uninsured motorist bodily injuryUnderinsured motorist bodily injury
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.
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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.
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.
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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.
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.
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.
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.
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.
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.
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.