Getting Car Insurance After a DUI in South Dakota: Everything You Need to Know
Following the suspension or revocation of your driver's license after a DUI, your insurer may cancel or choose not to renew your policy. Otherwise, your South Dakota insurance prices may rise by around 73%. DUI offenders pay roughly $1,366 yearly for full coverage insurance in South Dakota compared to $789 for those without a DUI.
MoneyGeek's analysis found that State Farm is the best insurance company for full and minimum coverage policies for drivers with a DUI in South Dakota. State Farm is also the cheapest insurer for both coverage levels. You can find rates for both types of policies in the table below.
Best Companies for DUI Insurance in 2022
A driver with a DUI on their record may find it difficult to obtain insurance coverage since insurance companies are not obligated to do so by law. If you retain your car insurance after a DUI in South Dakota, you can expect your insurance premiums to increase by about 73%, with rates jumping from $789 without a DUI to $1,366 with a DUI. This is because DUI offenders are more likely to submit a claim and are labeled as high-risk motorists.
If convicted of DUI, drivers in South Dakota face up to 10 years of jail time and fines and penalties costing up to $20,000. This is in addition to having their licenses suspended and paying higher insurance rates. Even while standard punishments exist for DUI convictions, the prosecutor retains the right to alter these recommendations.
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Cheapest Car Insurance Companies in South Dakota After a DUI
According to MoneyGeek's research, Progressive and State Farm have the cheapest DUI insurance policies in the United States. However, State Farm and American Family provide the cheapest car insurance for DUI drivers in South Dakota.
Cheapest Companies for Full Coverage in South Dakota After a DUI
According to our research, the most affordable full coverage auto insurance policies in South Dakota for drivers with a DUI are:
- State Farm: $735 per year
- American Family: $820 per year
Cheapest Car Insurance for Full Coverage After a DUI
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- RankCompanyAnnual Premium
- 1State Farm$735
- 2American Family$820
Cheapest Companies for Minimum Coverage in South Dakota After a DUI
Additionally, MoneyGeek found that the following insurers offer the cheapest minimum coverage policies for South Dakota's drivers convicted of DUI:
- State Farm: $354 per year
- American Family: $469 per year
Only military personnel and their families are eligible for USAA's policy, available for $375 per year, which is the second-cheapest option.
Cheapest Car Insurance for Minimum Coverage After a DUI
Remember that while the state minimum insurance may be the least expensive option, it may not provide adequate coverage. South Dakota law requires drivers to have the basic minimum liability coverage required by the state and uninsured/underinsured motorists coverage. You should, however, figure out how much insurance you need to ensure maximum protection.
Top Car Insurance Companies in South Dakota After a DUI
MoneyGeek's ratings of South Dakota insurance based on pricing, financial stability and customer satisfaction can assist you in finding the most appropriate policy. We found that State Farm is the best full coverage and minimum coverage provider in South Dakota for someone with a DUI.
Best Companies for Full Coverage in South Dakota After a DUI
For people with a DUI conviction in South Dakota, State Farm and American Family are the best full coverage auto insurance providers.
South Dakota’s drivers with a DUI pay an average of $735 per year for full coverage auto insurance with State Farm, while those without a DUI pay around $675 yearly. A DUI conviction increases your State Farm insurance premiums by around 9% each year.
State Farm scored high marks in all of MoneyGeek's categories, receiving a perfect 5 in the affordability category. The company offers common coverages like roadside assistance and rental car insurance, but not unique coverages like custom parts coverage or common coverages like accident forgiveness or new car replacement. They offer a rare new vehicle discount and common discounts like the driver's education discount and the defensive driving discount for completing a defensive driving course.
American Family's full coverage car insurance for a person with a DUI costs around $820 per year in South Dakota, compared to $802 for the same policy without a DUI. Having a DUI on your record increases the annual premium for an American Family by approximately 2%.
American Family scored high across multiple categories but received a lower claims score. The company's original equipment manufacturer coverage is one of a kind. American Family also offers common coverages like gap insurance and accident forgiveness. The company's discounts include several common ones and a few unique ones like the new customer and volunteer discounts. Apart from the anti-theft discount, the company offers all other commonly offered discounts.
Best Companies for Minimum Coverage in South Dakota After a DUI
State Farm and Allstate are the best car insurance providers in South Dakota for those with a DUI who need the state's minimum coverage. Note that if you choose the cheapest option of a policy with minimum coverage, you may not be adequately insured, particularly in an accident.
State Farm's basic minimum coverage for DUI drivers in South Dakota costs around $354 per year. Without a DUI, the same coverage costs $319. Having a DUI on your record will result in a 9% increase in annual State Farm premiums.
State Farm is the best insurer in South Dakota for minimum coverage insurance for DUI drivers, obtaining high ratings across multiple categories. State Farm includes common add-on coverages like roadside assistance and ridesharing insurance but does not offer gap insurance or accident forgiveness. You cannot get unique coverages either. The insurer may offer you a rare new vehicle discount if you qualify. Common discounts like student, defensive driving, and driver's education are also offered.
For individuals with a clean driving record in South Dakota, the state minimum coverage with Allstate may cost approximately $397 per year. On the other hand, those with a DUI pay an additional 36%, $560 each year.
Allstate, except for its low affordability ratings, received good scores in multiple categories. Aside from better car replacement, the company provides all other commonly-offered coverages and those that are rare, such as sound system coverage and custom parts coverage. Except for defensive driving and multi-car discounts, all other commonly offered discounts are available from Allstate. You may also be eligible for the unique responsible payment discount by paying responsibly.
How Much Does Car Insurance Cost in South Dakota After a DUI?
According to MoneyGeek, the average annual premium for full coverage car insurance in South Dakota increases by 73% following a DUI, with rates around $1,366. In comparison, average drivers without a DUI spend around $789 for the same amount of coverage. Your insurance rates will increase due to insurers classifying you as a high-risk driver following a DUI.
How long does a DUI affect the cost of your car insurance?
This is 73% more expensive.
Your auto insurance prices will significantly increase if you have a DUI on your record since insurance companies will now consider you a high-risk driver. If you're looking for an auto insurance quote based on your driver profile, check MoneyGeek's car insurance calculator for South Dakota.
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In addition to soaring insurance premiums, a DUI in South Dakota can result in other costs, such as:
- Fines, court and attorneys' fees: Typically, a DUI conviction entails fines and court costs, including the cost of hiring counsel.
- Towing/impound fee: As a result of an arrest for getting a DUI, you will be charged additional costs if your car gets towed and impounded.
- Drug education and treatment: DUI drivers may have to enroll in an alcohol or drug education program, which comes with a cost.
- DMV reinstatement fee: If your license was suspended, you need to pay a fee to the DMV to reinstate your license.
- Damages: An accident caused by your driving may result in you being held responsible for the other driver's losses.
Getting Car Insurance in South Dakota After a DUI
Insurance companies may refuse to cover you if you have a DUI conviction. If you can retain your current insurance, prepare to pay increased prices. Because insurance companies are privately held, they have the legal right to reject a driver with a DUI or refuse to renew their policies.
Getting auto insurance after a DUI in South Dakota may be especially challenging due to the 10-year look-back period. If you search around a little, you can still compare prices and find the best possible deal.
Drivers who have been convicted of a DUI in South Dakota must complete and submit an SR-22 form with the state insurance department. Your insurer files this document on your behalf to demonstrate that you have the state's required minimum insurance coverage. In South Dakota, SR-22 insurance comes with several costs, including filing fees and the possibility of losing insurance discounts.
South Dakota DUI Laws
Driving while under the influence of alcohol or drugs has substantial legal consequences in South Dakota. DUI penalties vary by state but can include license and driving privilege suspensions, fines, taxes and fees and possible prison time. Below, MoneyGeek summarizes the laws and penalties related to having a DUI in South Dakota.
Driving with a BAC at or above 0.08% is considered a DUI
Blood Alcohol Content (BSC) is a term that refers to the amount of alcohol in someone's blood. Driving while intoxicated with a BAC of 0.08% or above is a crime in South Dakota. Even if your BAC doesn't cross the threshold, you may be arrested if you appear to be unable to drive safely.
Driving with a BAC of 0.17% or more will increase penalties
Those arrested for drunk driving with an alcohol concentration of 0.17% or more may have to undergo a 24/7 sobriety monitoring program and undergo a court-ordered examination by a chemical dependency counselor.
30-day minimum administrative license suspension on first offense
The administrative license suspension law of South Dakota allows officers to seize the driver's license from someone arrested for DUI. The suspension duration for first offenses in the state is 30 days. The license will be suspended for one year for subsequent infractions.
Limited driving privileges based on purpose
You may get a restricted license/permit that grants you limited driving privileges for school, work or both.
Ignition interlocks at the driver's discretion
The installation of interlock devices in vehicles to shut off the engine for alcohol detection in the breath is at the discretion of the driver.
Open container laws
South Dakota law forbids drivers from driving a vehicle with alcoholic beverages if their original seals have been broken. The prohibition applies to all passengers and vehicles operating on public highways or state park roads.
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Frequently Asked Questions
The answers to some of the most frequently asked questions, such as how to get car insurance with a DUI in South Dakota, have been discussed below to help you make an informed decision.
To determine the top companies for individuals with DUIs in South Dakota, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About the Author
- South Dakota Department of Public Safety. "Impaired Driving." Accessed April 26, 2022.
- Driving Laws Published by NOLO. "South Dakota Drunk Driving Laws, Penalties, and Consequences." Accessed April 26, 2022.
- Driving Laws Published by NOLO. "South Dakota’s Open Container Laws, Penalties, and Consequences." Accessed April 26, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 26, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 26, 2022.
- South Dakota Legislature. "Driver’s License." Accessed May 22, 2022.