- Cheapest car insurance for high-risk drivers in South Dakota
- Average rates for high-risk drivers in South Dakota by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in South Dakota
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in South Dakota is Nationwide, followed by American Family and Farmers.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,719 | $143 |
| American Family | $1,738 | $145 |
| Farmers | $2,381 | $198 |
| Allstate | $2,549 | $212 |
| State Farm | $2,590 | $216 |
| Geico | $2,663 | $222 |
| Progressive | $2,695 | $225 |
| Auto-Owners | $3,176 | $265 |
| Kemper Insurance | $3,683 | $307 |
| USAA | $2,106 | $176 |
Average rates for high-risk drivers in South Dakota by driving record
Average cost of car insurance in South Dakota for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| American Family | $1,260 |
| Nationwide | $1,617 |
| State Farm | $1,654 |
| USAA | $1,862 |
| Farmers | $2,387 |
| Allstate | $2,532 |
| Auto-Owners | $2,543 |
| Geico | $2,686 |
| Progressive | $2,930 |
| Kemper Insurance | $4,021 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in South Dakota for a driver with a DUI is State Farm with an average annual of $1,582 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,582 | $132 |
| American Family | $1,587 | $132 |
| Nationwide | $2,094 | $175 |
| Progressive | $2,254 | $188 |
| Farmers | $2,296 | $191 |
| Allstate | $3,132 | $261 |
| Auto-Owners | $3,190 | $266 |
| Kemper Insurance | $4,773 | $398 |
| Geico | $5,053 | $421 |
| USAA | $2,865 | $239 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In South Dakota, the cheapest car insurance with multiple tickets is from Nationwide. It offers full coverage insurance at $1,564 per year or $130 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,564 | $130 |
| State Farm | $1,582 | $132 |
| American Family | $1,587 | $132 |
| Geico | $1,798 | $150 |
| Allstate | $2,055 | $171 |
| Farmers | $2,250 | $188 |
| Auto-Owners | $2,322 | $194 |
| Progressive | $2,525 | $210 |
| Kemper Insurance | $3,721 | $310 |
| USAA | $1,647 | $137 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In South Dakota, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,582 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,582 | $132 |
| American Family | $2,010 | $168 |
| Nationwide | $2,094 | $175 |
| Farmers | $2,620 | $218 |
| Progressive | $2,780 | $232 |
| Allstate | $3,132 | $261 |
| Auto-Owners | $3,190 | $266 |
| Geico | $3,541 | $295 |
| Kemper Insurance | $4,773 | $398 |
| USAA | $1,995 | $166 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in South Dakota is Kemper Insurance with an average annual cost of $1,389 or $116 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Kemper Insurance | $1,389 | $116 |
| Nationwide | $1,436 | $120 |
| Geico | $1,990 | $166 |
| American Family | $2,067 | $172 |
| Farmers | $2,619 | $218 |
| Allstate | $2,862 | $239 |
| Progressive | $3,559 | $297 |
| Auto-Owners | $5,711 | $476 |
| State Farm | $7,630 | $636 |
| USAA | $2,835 | $236 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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