Cheapest SR-22 Car Insurance in South Dakota

Progressive provides the cheapest SR-22 insurance in South Dakota at $31 monthly for minimum coverage and $101 for full coverage, about 68% lower than the state's average rates. Keep in mind these rates reflect costs for 40-year-old drivers with a DUI on record. State Farm, Farmers Mutual Insurance Co of Nebraska, Western National and Allstate may offer better rates for your specific situation.

Smaller markets can influence pricing for lower-cost insurance for high-risk drivers after violations.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive leads the South Dakota SR-22 market, offering the best rates in four out of seven categories, including coverage for most drivers and seniors. Farmers Mutual of NE excels in three high-risk categories, including racing violations and hit-and-run accidents.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our general findings show the top providers for common situations, but your best insurance rates depend on personal factors. The table below matches you with affordable providers based on your age, gender, coverage needs, credit score and driving history.

Progressive offers the most affordable SR-22 car insurance in South Dakota, with rates starting at $23 per month depending on your city. Check out its rates for major cities in South Dakota.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive ranks as the best car insurance provider for SR-22 filing in South Dakota, offering affordable rates, quality customer service and comprehensive coverage options that earned it the highest overall MoneyGeek score. Consider Auto-Owners, State Farm, Western National and Allstate in your search as well.

To comply with South Dakota laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

South Dakota drivers with SR-22 requirements must understand various additional insurance regulations beyond just meeting the state's minimum coverage standards.

In South Dakota, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in South Dakota:

MoneyGeek analyzed hundreds of thousands of quotes across South Dakota to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

South Dakota SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on South Dakota's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.