South Dakota DUI and insurance: How much does a DUI raise your insurance?

Does a DUI raise car insurance rates in South Dakota?

With a clean driving history, car insurance in South Dakota averages $2,280. After a DUI, the rate increases to $3,927, which is $1,647 more.

Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $6,327.

How much does a DUI raise your insurance in South Dakota?

The most affordable insurer after a DUI is State Farm, offering average annual rates of $2,179. The second-lowest option is Farmers, which costs $747 more than State Farm. Progressive provides the third-cheapest car insurance rates for drivers with a DUI.

Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.

This table displays average car insurance rates for a driver with a DUI in South Dakota.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
State Farm	$2,096	$2,179	$2,179
Farmers	$2,207	$2,926	$3,925
Progressive	$3,163	$3,286	$3,827
Nationwide	$1,526	$3,358	$5,053
Allstate	$2,070	$3,434	$4,559
Auto-Owners	$2,566	$4,471	$7,760
GEICO	$2,384	$7,439	$18,395
USAA	$1,780	$3,803	$4,555

Read our methodology

PEOPLE ASK:

What happens when you get a DUI in South Dakota?

If you're convicted of a DUI in South Dakota, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for life.

If someone gets a DUI in your car, does it go on your insurance?

Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.

However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.

How long does a DUI affect your insurance in South Dakota?

While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects South Dakota car insurance and stays on your record for life. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a DUI raise insurance by age group?

Younger drivers pay more for car insurance than older, more experienced drivers because they have less time on the road. Although a DUI raises rates for any driver, a teen's insurance costs surge even higher after a conviction. The average car insurance rate for a teen with a DUI is $4,958.

These are the cheapest companies after a DUI by age:

For teens: State Farm is the cheapest at $4,958.
For young adults: State Farm offers the cheapest young adult coverage at $2,536.
For adults: State Farm, with an average rate of $2,179.
For seniors: State Farm has the most affordable average rate at $1,848.

This table shows how a DUI affects car insurance rates based on age group.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
State Farm	$4,689	$4,958	$269	6%
Nationwide	$4,390	$6,131	$1,741	40%
Farmers	$7,988	$9,857	$1,869	23%
Auto-Owners	$5,855	$10,220	$4,365	75%
Allstate	$8,926	$12,375	$3,449	39%
GEICO	$6,158	$15,006	$8,848	144%
State Farm	$4,689	$4,958	$269	6%
Nationwide	$4,390	$6,131	$1,741	40%
Farmers	$7,988	$9,857	$1,869	23%
Auto-Owners	$5,855	$10,220	$4,365	75%
Allstate	$8,926	$12,375	$3,449	39%
GEICO	$6,158	$15,006	$8,848	144%
USAA	$3,988	$6,761	$2,773	70%
USAA	$3,988	$6,761	$2,773	70%

How much does a DUI raise your insurance in your city?

The cheapest city in South Dakota for car insurance with a DUI is Watertown, while the most expensive city is Dupree at an average of $4,777. Where you live affects car insurance rates, regardless of a DUI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with a DUI.

This table shows the average car insurance rates after a DUI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Arlington	$2,038	$3,553	$1,515	74%
Bonesteel	$2,486	$4,190	$1,704	69%
Dupree	$2,738	$4,777	$2,039	74%
Iroquois	$2,110	$3,636	$1,526	72%
Rapid City	$2,497	$4,244	$1,747	70%
Sioux Falls	$1,997	$3,497	$1,500	75%
Watertown	$1,939	$3,437	$1,498	77%
Webster	$2,156	$3,662	$1,506	70%
Winner	$2,527	$4,229	$1,702	67%
Arlington	$2,038	$3,553	$1,515	74%
Bonesteel	$2,486	$4,190	$1,704	69%
Dupree	$2,738	$4,777	$2,039	74%
Iroquois	$2,110	$3,636	$1,526	72%
Rapid City	$2,497	$4,244	$1,747	70%
Sioux Falls	$1,997	$3,497	$1,500	75%
Watertown	$1,939	$3,437	$1,498	77%
Webster	$2,156	$3,662	$1,506	70%
Winner	$2,527	$4,229	$1,702	67%

Read our methodology

How to get car insurance after a DUI in South Dakota

Insurers will label you a high-risk driver after a DUI, but you can still secure car insurance. Finding suitable coverage following a DUI conviction may require some additional effort.

If you already have car insurance and receive a DUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.

If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in South Dakota since each insurer offers different rates after a DUI.

South Dakota DUI insurance requirements and penalties

A DUI in South Dakota means you must meet specific requirements for high-risk drivers. In South Dakota, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.

A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.

The table below indicates South Dakota DUI laws and penalties based on first and subsequent offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.17	30 days	Yes	Discretionary	Yes	No
0.17	30 days	Yes	Discretionary	Yes	No

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*BAC is blood alcohol concentration

How long after a DUI does your insurance go down?

A DUI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a DUI can impact your premiums for as long as 10 years.

In South Dakota, drivers can expect higher car insurance rates after a DUI and expect it to stay on their record for life.

Tips to save money after a DUI

A DUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.

South Dakota drivers can cut car insurance expenses after a DUI by:

Raising their deductible to reduce monthly premiums
Looking for discounts, such as multi-policy savings or safety feature discounts
Keeping a clean driving record going forward
Completing a defensive driving course
Improving their credit score
Comparing quotes from multiple insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, 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

Additional rate data is drawn based on:

One and two DUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

South Dakota DUI insurance: Frequently asked questions

How far back do insurance companies look for a DUI?

Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.

Will my insurance drop me after a DUI in South Dakota?

Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.