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How Much Does Auto Insurance Cost for High Risk Drivers in South Dakota?

Enter your South Dakota zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 13, 2019

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You have probably watched the catchy advertisements from car insurance companies like State Farm, Nationwide, and Farmers that make promises of the cheapest rates, so drivers should just pick the company with the best ad, right?

Unfortunately, it’s not that simple as there are a lot of unknown aspects such as if you are a man or woman, whether or not your vehicle has good safety ratings, and if you own a home. We know insurance is not everyone’s favorite topic, but in this article we will cover the different scenarios that increase car insurance cost and should give you some help in finding cheaper rates.

The car, truck, or SUV to be insured is probably the largest consideration that determines whether or not you can buy cheap auto insurance for high risk drivers in South Dakota. Vehicles with higher performance characteristics, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.

The list below features insurance rates for the most affordable automobiles to buy insurance for.

Cheapest Auto Insurance Rates for High Risk Drivers in South Dakota
Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $2,249
Honda CR-V LX 2WD $2,272
Ford Escape Limited 4WD $2,323
Chevrolet Traverse LS AWD $2,332
Toyota Prius $2,348
Subaru Forester X Limited Edition AWD $2,452
Ford F-150 XL Crew Cab 2WD $2,574
GMC Sierra SLE Regular Cab 2WD $2,584
Hyundai Santa Fe SE 2WD $2,593
Chevrolet Equinox LS AWD $2,584
Ford Fusion S 4-Dr Sedan $2,664
Dodge Grand Caravan Hero $2,674
Toyota RAV4 Limited 2WD $2,664
Hyundai Tucson Limited 2WD $2,690
Ford Explorer Eddie Bauer 4WD $2,700
Toyota Camry XLE $2,702
Hyundai Elantra GLS 4-Dr Sedan $2,710
Subaru Outback 3.6R $2,720
Toyota Sienna Limited $2,727
Honda Civic LX-S 4-Dr Sedan $2,761
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $2,780
Ford Edge Sport 2WD $2,787
Toyota Corolla XLE $2,807
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Cost estimates assume single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific zip code location which can increase or decrease auto insurance rates noticeably.

Looking at the numbers, models like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be a few of the most budget-friendly vehicles to insure for high risk drivers. The cost of a car insurance policy will tend to be higher just due to the fact that there is a higher risk for high risk drivers, but overall those specific models will have the lowest insurance prices possible.

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Figuring out which company quotes the cheapest auto insurance rates for high risk drivers will require a bit more work than just getting one or two price quotes. Every insurance company has a different process to determine premium rates, so we will examine the most budget-friendly auto insurance companies in South Dakota.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest South Dakota auto insurance companies
Rank Company Cost Per Year
1 USAA $650
2 Auto-Owners $897
3 State Farm $967
4 Farmers Mutual of Nebraska $1,006
5 Unitrin $1,033
6 Western National $1,078
7 Farmers $1,110
8 Allied $1,143
9 Buckeye $1,144
10 Progressive $1,242
11 Farm Bureau Mutual $1,272
12 American Family $1,466
13 North Star $1,613
14 Allstate $1,631
15 GEICO $1,667
16 National Farmers Union $1,919
17 Safeco $2,454
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USAA may offer some of the best car insurance rates in South Dakota at around $650 annually. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also make the list of some of the more affordable South Dakota insurance companies.

As illustrated above, if you are a customer of Farmers Mutual of Nebraska and switched to USAA, you might see annual savings of approximately $356. South Dakota drivers with Unitrin might save as much as $383 a year, and Western National insureds might reduce rates by $428 a year.

Understand that those premiums are averages for all drivers and vehicles in South Dakota and do not factor in a price increase for high risk drivers. So the car insurance company that can offer the best rates for your situation may not even be in the rate chart shown above. That emphasizes why you need to get quotes using your own personal information and vehicle type.

Enter your zip code below to view companies that have cheap auto insurance rates.

When shopping for cheaper auto insurance for high risk drivers, one of the many things that control insurance cost is where you live in South Dakota. Larger areas like Pine Ridge, Hot Springs, and Belle Fourche are more likely to have higher rates, whereas areas that are not as densely populated have the luxury of lower rates.

The information below illustrates the most expensive areas in South Dakota for high risk drivers to buy auto insurance in.

Where does South Dakota rank for car insurance cost?
Rank City Annual Rate
1 Pine Ridge $1,415
2 Lead $1,285
3 Hot Springs $1,278
4 Spearfish $1,275
5 Belle Fourche $1,263
6 Sturgis $1,201
7 Rapid Valley $1,199
8 Box Elder $1,193
9 Mobridge $1,191
10 Rapid City $1,146
11 Pierre $1,111
12 Milbank $1,097
13 Yankton $1,087
14 Mitchell $1,057
15 Madison $1,033
16 Harrisburg $1,033
17 Dell Rapids $1,033
18 Brookings $1,031
19 Huron $1,030
20 Aberdeen $1,022
21 Tea $1,013
22 Vermillion $1,009
23 Sioux Falls $995
24 Brandon $994
25 Watertown $985
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Rate quotes are comparative as the specific garaging location can modify prices noticeably.

The information below illustrates how your deductible choice can affect premium costs when getting quotes for cheap insurance for high risk drivers. The costs are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

As shown above, a 50-year-old driver could lower their policy premium by $272 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $410 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could roll back prices $672 annually by choosing larger deductibles on their policy. When increasing deductibles, it will be important to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Auto insurance companies ranked

Picking the right insurer can be rather challenging considering how many companies provide coverage in South Dakota. The company information in the next section may help you select which car insurance companies you want to consider when buying insurance for high risk drivers.

These ratings are for companies with a nationwide focus, so smaller companies that only insure vehicles in South Dakota are not taken into consideration for these rankings. If you wish to compare prices from many more South Dakota auto insurance companies, click here.

Top Auto Insurance Companies in South Dakota
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
State Farm 91 94 80 88% A++ 90.2
Safeco Insurance 90 93 88 86% A 90.2
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Why you should be shopping around

South Dakota auto insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. Simply improving your credit, marrying your spouse, or getting a ticket for careless driving can trigger changes in premium that may make certain companies affordable when they were higher priced. Not only may things change on your end, but insurance companies file new South Dakota auto insurance rates as often as every quarter in order to be able to pay unexpected claims. Significantly higher losses can cause higher prices, while a better loss history can cause lower-cost South Dakota car insurance rates.

To help illustrate this point, the graph below shows rates for the cheapest car insurance in South Dakota for a 30-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we compare prices based on her current situation, USAA has the best car insurance rates in South Dakota at $638 per year. This is $672 less than the average policy premium paid by South Dakota drivers of $1,310. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin are also on the list of the top five cheapest South Dakota auto insurance companies.

The next chart shows rates after we give the driver from the above example an at-fault accident, less-than-perfect credit, and a stop sign violation. Since each auto insurer has a unique formula for setting rates, comparing prices may now result in a substantially altered list of the cheapest car insurance companies in South Dakota as shown below.

Farmers now has the lowest price on auto insurance in South Dakota with Allied, Buckeye, Progressive, and Farm Bureau Mutual completing the list. This illustrates why it is critical to do a thorough rate comparison when trying to get the most economical car insurance quotes for high risk drivers.

Car insurance prices are determined by many things and change dramatically, so the cheapest company a year ago may now cost much more than other companies. Use our FREE quote tool to compare insurance rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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