Cheapest car insurance for high-risk drivers in South Dakota

Which company has the cheapest car insurance in South Dakota for a bad driving record?

Nationwide, Allstate, Farmers provides affordable car insurance for high-risk drivers with bad driving record in South Dakota.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Nationwide	$1,526	$2,722
Allstate	$2,070	$2,779
Farmers	$2,207	$3,066
State Farm	$2,096	$3,642
Progressive	$3,163	$3,896
GEICO	$2,384	$3,915
Auto-Owners	$2,566	$4,793
USAA	$1,780	$2,780

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How much is high-risk car insurance in South Dakota?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In South Dakota, high-risk car insurance costs $3,512 per year. However, you can get rates as low as $2,722 annually from Nationwide.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in South Dakota, SD is $3,189

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Company	Annual premium for clean record	Annual premium after violation
State Farm	$2,096	$2,273
Nationwide	$1,526	$2,555
USAA	$1,780	$2,640
Allstate	$2,070	$3,025
Farmers	$2,207	$3,040
Auto-Owners	$2,566	$3,518
Progressive	$3,163	$3,907
GEICO	$2,384	$3,950

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Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver in South Dakota?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in South Dakota after a DUI?

While many insurers offer coverage after a DUI, State Farm has the lowest rate at $2,179 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in South Dakota.

Company	Average annual premium for clean record	Annual premium for a DUI
State Farm	$2,096	$2,179
Farmers	$2,207	$2,926
Progressive	$3,163	$3,286
Nationwide	$1,526	$3,358
Allstate	$2,070	$3,434
Auto-Owners	$2,566	$4,471
GEICO	$2,384	$7,439
USAA	$1,780	$3,803

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What is the cheapest car insurance in South Dakota with multiple tickets?

The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $2,179 annually or $182 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows South Dakota drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
State Farm	$2,096	$2,179
Allstate	$2,070	$2,240
Nationwide	$1,526	$2,486
GEICO	$2,384	$2,640
Farmers	$2,207	$2,854
Auto-Owners	$2,566	$3,540
Progressive	$3,163	$3,640
USAA	$1,780	$2,292

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in South Dakota?

State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $2,179 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$2,096	$2,179
Farmers	$2,207	$3,336
Nationwide	$1,526	$3,358
Allstate	$2,070	$3,434
Progressive	$3,163	$3,821
Auto-Owners	$2,566	$4,471
GEICO	$2,384	$5,209
USAA	$1,780	$2,404

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in South Dakota?

In South Dakota, Nationwide provides the lowest premiums for drivers with poor credit, averaging $2,158 per year or $180 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in South Dakota.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,526	$2,158
GEICO	$2,384	$2,922
Allstate	$2,070	$3,083
Farmers	$2,207	$3,575
Progressive	$3,163	$5,346
Auto-Owners	$2,566	$7,942
State Farm	$2,096	$10,956
USAA	$1,780	$3,595

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What company has the cheapest car insurance in South Dakota after an accident?

State Farm has the lowest rates after an accident at $2,273 a year. Nationwide also has affordable rates at $2,555 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
State Farm	$2,096	$2,273	$2,273
Nationwide	$1,526	$2,555	$3,568
Allstate	$2,070	$3,025	$4,873
Farmers	$2,207	$3,040	$4,283
Auto-Owners	$2,566	$3,518	$3,880
Progressive	$3,163	$3,907	$4,297
GEICO	$2,384	$3,950	$5,478
USAA	$1,780	$2,640	$3,956

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in South Dakota?

Watertown has the cheapest car insurance rates in South Dakota at $3,007 per year. But the most expensive city is Dupree with rates of $4,225 per year.

Your location in South Dakota also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Watertown	$1,939	$3,007
Sioux Falls	$1,997	$3,129
Arlington	$2,038	$3,157
Iroquois	$2,110	$3,262
Webster	$2,156	$3,302
Bonesteel	$2,486	$3,792
Rapid City	$2,497	$3,822
Winner	$2,527	$3,851
Dupree	$2,738	$4,225

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How can high-risk drivers lower their car insurance rates in South Dakota?

Finding affordable car insurance in South Dakota is possible, even with a bad driving record. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in South Dakota?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are South Dakota's insurance requirements for high-risk drivers?

If you're a high-risk driver in South Dakota, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: