Due to the risk they perceive you to represent with a poor driving history, insurance companies may charge you a higher premium. The good news is that you can find an affordable policy that lives up to your standards by comparing quotes from different insurers.
Among South Dakota’s high-risk auto insurance companies, State Farm offers the best blend of customer service and affordability. State Farm’s high-risk driver policy also has the lowest annual premium, averaging $755. However, your personalized insurance quote depends on various factors like your age, credit score and violations.
Best Companies for High-Risk Drivers in 2023
Many insurance companies think high-risk drivers have a high chance of filing a claim. If you have a lengthy driving record that includes multiple violations, a conviction for a DUI or tickets, then you may be considered a high-risk driver. Due to their lack of experience behind the wheel, teenage drivers are also considered to be high-risk by insurance companies.
High-risk drivers frequently pay a higher premium to insurance companies because of their greater likelihood of a claim. MoneyGeek found that high-risk drivers in South Dakota see an average increase of 23% in car insurance prices.
A high-risk driver has committed several serious traffic infractions in the past. These include driving with a suspended or revoked license, driving under the influence (DUI) and drag racing. In certain cases, even if you have a perfect driving record, you have the chance of being classified as a high-risk driver.
In general, insurers consider the following drivers to be high-risk:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Cheapest Car Insurance in South Dakota for High-Risk Drivers
Auto insurance for high-risk drivers in South Dakota is lowest with State Farm, according to MoneyGeek's analysis. The average cost of a policy from this insurer is $755 per year for high-risk drivers.
Learn more about the company’s rates, benefits and drawbacks in MoneyGeek's in-depth analysis of State Farm.
Those convicted of a significant traffic violation like a DUI or caught driving with a suspended license or no insurance are required to file SR-22 insurance in South Dakota. An SR-22 is a form completed and submitted by your insurance company to demonstrate that you have liability coverage meeting the state's minimum limits.
Best Car Insurance in South Dakota for High-Risk Drivers
MoneyGeek's research indicates that State Farm has the highest ranking for high-risk drivers in South Dakota, with a score of 91 out of 100. Our State Farm review gives a comprehensive analysis of the insurer's coverage options, average costs and level of customer service.
When it comes to the high-risk car insurance companies in South Dakota, American Family is the second-best option, with a total score of 86 out of 100. You can find out more about the company in our review.
State Farm is the best auto insurer for high-risk drivers in South Dakota, with an average quote of $755 per year. The insurance premium for high-risk drivers with this company is roughly 11% more than for clean-record drivers.
State Farm only offers a few coverages as add-ons to an insurance policy: rideshare insurance, rental car/travel reimbursement and roadside assistance. The company does not offer accident forgiveness or gap insurance, which are commonly available from its competitors.
But State Farm’s high-risk policyholders may be eligible for a variety of discounts, including airbag, new vehicle, anti-theft system and good student.
In South Dakota, high-risk auto insurance costs roughly $820 per year through American Family. Its price for high-risk drivers is around 2% more than for drivers with a spotless driving record.
American Family offers a lot of discounts to policyholders, including airbag, automatic payment, good student and paperless, which might be beneficial to high-risk drivers.
The company offers common coverages, including gap insurance, roadside assistance, rideshare insurance and accident forgiveness. Original equipment manufacturer (OEM) coverage offered by American Family is an uncommon endorsement sometimes offered by other insurers.
You should not sacrifice the quality of service to prioritize affordability. Good companies provide low-income drivers in South Dakota with insurance. Since there is no government-backed insurance program for low-income drivers, a policy with state minimum coverage or pay-per-mile insurance may work best for persons who rarely drive.
Cheapest Car Insurance in South Dakota for Drivers With a DUI
State Farm's annual rate for drivers in South Dakota with a DUI conviction was found to be the most affordable, at an average of $735 per year. Explore the company's customer service, coverages and discounts in our in-depth State Farm review.
USAA may also be an affordable high-risk auto insurance option for the state's residents who are in the military on active service or who have retired and have a DUI.
The amount of time that a DUI conviction is on a driver's record is referred to as the look-back period. While look-back periods vary by state, they are generally long, allowing repeat offenders to earn lengthier jail sentences or stricter fines. For South Dakota drivers, the look-back period is 10 years.
Cheapest Car Insurance in South Dakota for Teenage Drivers
According to MoneyGeek's analysis, State Farm is the cheapest company for South Dakota teen drivers for car insurance. State Farm's average annual car insurance policy premium for high-risk teenage drivers is $2,707.
However, your rate will vary according to your age, location and other variables. Read our State Farm review to discover more about this insurance company.
The cost of auto insurance is typically very high for teenagers and college students. While the minimum coverage policy required in South Dakota is cheap, it only offers limited coverage. The comprehensive coverage provided by full coverage insurance makes it worthwhile to consider since teens may be more likely to get into an accident because of their inexperience behind the wheel.
Compare rates from various insurers to find the best and most affordable teen and student auto insurance in South Dakota.
Cheapest Car Insurance in South Dakota for Drivers With Bad Credit
According to MoneyGeek's research on auto insurance with bad credit in South Dakota, Farmers offers the most affordable policy to high-risk drivers. The average annual premium for a Farmers policy for drivers with poor credit is $1,164. Your rate may vary depending on your age, gender and other variables.
Read the MoneyGeek review of Farmers to learn more about this insurance provider.
In South Dakota, those with bad credit should be prepared to pay much more for auto insurance. But you shouldn't be discouraged from shopping for affordable car insurance because of your poor credit history. You can still find affordable car insurance with a poor credit history if you take the time to search around and compare rates from different companies.
How Much Does Car Insurance Cost for High-Risk Drivers in South Dakota?
Auto insurance companies usually take a driver's driving record and other things into account when calculating how much their premium will be. Because of this, high-risk drivers usually pay more for car insurance.
High-risk drivers in South Dakota, for example, spend an average of $1,110 a year for insurance, while low-risk drivers pay an average of $814 annually. The difference here is almost $296.
Annual Car Insurance Cost in XX for Low-Risk vs. High-Risk Drivers
This is 36% more expensive.
MoneyGeek's South Dakota auto insurance calculator is a useful tool for estimating the cost of a policy based on your age, gender, credit score, driving record, vehicle type and year, as well as the coverage amount. In addition, our calculator can show you which factor has the most bearing on your price.
Auto Insurance Calculator
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Average Annual Auto Insurance Rates
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Click an insurer below to visit their review page or continue to your personalized quote.
Can You Still Get Car Insurance in South Dakota if Insurers Refuse to Insure You?
In an entirely voluntary market, such as auto insurance, being denied coverage is a possibility if a provider considers you to be too risky. The best possible action in that situation is to get in touch with the Automobile Insurance Plan Service Office (AIPSO) for a residual market plan. For the past 48 years, this non-profit organization has been facilitating high-risk drivers in finding cost-effective insurance policies from the residual market.
South Dakota Automobile Insurance Plan
AIPSO's state-by-state database might help you find a residual market plan. The South Dakota Automobile Insurance Plan (SDAIP) provides auto insurance to drivers with eligible risks who are unable to obtain car insurance from the voluntary market. Applicants must certify that they have tried and failed to obtain auto insurance in South Dakota within the past 60 days at rates not exceeding those under SDAIP. Applicants must have a valid driver's license or be eligible to get one.
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Frequently Asked Questions
Finding auto insurance as a high-risk driver may be tough. To help our readers, MoneyGeek has provided answers to some of the most often-asked questions about high-risk auto insurance in South Dakota.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.
To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.
About Mark Fitzpatrick
- Responsibility.org. "State Law: DUI Look-Back Periods." Accessed September 14, 2022.