If you’re searching for cheap auto insurance in South Dakota, you’ve probably discovered that there are dozens of companies advertising the lowest rates. The truth is that each insurer has a different approach for calculating monthly premiums, so there’s no one-size-fits-all policy that is best for all motorists.
To help you find the lowest cost car insurance for your driver profile, we looked at the rates of nine top carriers to find the best deals for the following driver types:
Best Rates For Drivers With No Recent Accidents
You fall into this category if you’ve never been found at-fault for a crash. The test driver in this segment of our study was age 29 and had a spotless driver history. State Farm was revealed to offer very competitive rates for safe motorists in South Dakota.
Best Rates For Teen Drivers
Age can have a major influence on the cost of auto insurance. Specifically, young drivers typically pay more than older motorists because they’re statistically more likely to cause an accident, largely due to their inexperience behind the wheel. If you need cheap car insurance for a teenager in South Dakota, try getting quotes from State Farm or Allied Insurance.
Best Rates For Drivers With A DUI
Have you been charged with DUI or DWI? If you were convicted, you most likely saw a huge jump in your auto insurance premiums. You might be able to get your rates reduced by finding a policy from State Farm or Progressive, which we determined were the cheapest auto insurance companies in South Dakota for drivers with a DUI or DWI.
Best Rates For Senior Drivers
If you’re a senior in South Dakota and you need to find low cost car insurance, consider getting quotes from these two carriers. State Farm was found in our study to offer the lowest rates. This segment of our analysis focused on a driver age 65 who commuted 4,000 annual miles.
The vehicle used in our research was a 2014 Toyota Corolla. The default driver was 29 years old and had not received any recent traffic citations. The default annual mileage was 12,000. Our estimates incorporate data from males and females in five zip codes throughout SD. To estimate the car insurance premiums for teens, we used the state’s minimum auto insurance requirements. For all other driver categories, we used 50/100/25 liability coverage limits and 50/100/25 uninsured motorist coverage limits.
What Are The Minimum Auto Insurance Liability Limits In South Dakota?
South Dakota law requires all drivers to have auto insurance that meets the following limits:
- $25,000 Per Person In Coverage For Bodily Injuries
- $50,000 Per Accident In Coverage For Bodily Injuries
- $25,000 In Coverage For Property Damage
- $25,000 Per Person In Uninsured Motorist Bodily Injury (UMBI) Coverage
- $50,000 Per Accident In UMBI Coverage