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 offers the cheapest average rate in South Dakota for drivers with a poor driving record at $2,722 per year. Allstate and Farmers also rank among the more affordable insurers for high-risk drivers.

Having accidents, DUIs or traffic tickets on your driving record will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

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?

State Farm has the cheapest average DUI insurance rates in South Dakota at $2,179 per year. Drivers with a DUI often see some of the largest premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. increases because insurers consider a bad driving record a major risk factor.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

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?

Drivers in South Dakota are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

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

State Farm has the cheapest average DUI insurance rates in South Dakota at $2,179 annually.

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?

State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,179 a year or $182 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

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

State Farm provides the cheapest average reckless driving insurance rates in South Dakota at $2,179 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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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Expert's 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?

Nationwide offers the lowest average car insurance rates in South Dakota for drivers with bad credit, at $2,158 per year or $180 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects South Dakota car insurance.

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 cheapest average post-accident insurance rates in South Dakota at $2,273 per year. Nationwide also offers below-average rates after an at-fault crash.

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

Which city is cheapest for high-risk car insurance in South Dakota?

Watertown has the cheapest average high-risk insurance premiums in South Dakota at $3,007 annually. Meanwhile, Dupree has the highest average rates at $4,225 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

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?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in South Dakota, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

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 South Dakotadepends 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 might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage 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:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in South Dakota

Can high-risk drivers get full coverage car insurance in South Dakota?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in South Dakota?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in South Dakota?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.