South Dakota Car Insurance
People living outside of South Dakota know it for the iconic Mount Rushmore sculpture, where the faces of George Washington, Thomas Jefferson, Theodore Roosevelt, and Abraham Lincoln are carved. People in the state see a lot more, including a fantastic culture of people who are laid-back, friendly, and supportive of each other. One of the ways people can make sure that their friends, family, and neighbors are supported, is by making sure the auto insurance laws in the state are being fulfilled. It all starts with you.
Auto Insurance Requirements In South Dakota
Insurance policies help protect your communities by assisting with the costs that stem from automobile accidents. Every state except for New Hampshire has laws that govern the amount of insurance a person needs to drive in the state they reside in successfully. Each state has minimum limits, which are the minimum amounts required by law in order to drive legally. In South Dakota, The South Dakota Financial Responsibility Law requires that liability insurance be purchased if a car is registered or being driven in the state.
Liability insurance of $25,000 per person and $50,000 per accident is required for bodily injury liability coverage. Also, drivers must have a policy that includes property damage liability coverage in the amount of $25,000 per incident.
Average Cost Of Coverage In South Dakota
People living in South Dakota, as well as people looking to move there, will be pleased to know that the car insurance rates for premiums in the state are around 10% lower than the national average. Of course, some cities have cheaper car insurance on average than others, creating a range. Also, each company that sells auto insurance plans uses a different formula to determine risk. Risk assessment is what auto insurance providers use to determine premiums. By comparing companies that are known to be cheaper for car insurance plans on average, the search for the best plan for you is more efficient.
Cheapest Car Insurance Companies In South Dakota
The cheapest auto insurance companies in South Dakota, on average, include State Farm, Buckeye Insurance, Geico Insurance, and Farmers Mutual. These companies tend to be lower on average, but if you have a special situation, it may make sense to look into quotes from other companies as well. People who are high-risk drivers or in younger age ranges can often benefit by comparing prices from more than three companies.
Cheapest Car Insurance In South Dakota By City
Where their car is garaged, and where it’s owner lives, are also utilized to determine auto insurance rates. Some cities are less expensive than others, with towns like Brandon, Brookings, and Tea having some of the lowest prices on average. Keep in mind that your rates may be higher or lower than your particular cities average, due to variables like driving record, credit history, marital status, age, and gender.
Most Expensive Car Insurance In South Dakota By City
States that are the most expensive for purchasing automobile insurance policies for include Eagle Butte and Pine Ridge. On a slightly lower tier are cities like Piedmont, Blood, and Hot Springs. Sturgis is another city in the state that has higher rates than average for auto insurance plans. Even with the states being more expensive, people can save more money overall by purchasing a policy. This is because expenses related to automobile accidents, when paid out-of-pocket, can wreak havoc on a person’s finances. In addition, there are laws, rules, and penalties for driving without insurance in South Dakota.
Laws, Rules, And Penalties In South Dakota
People do not like paying fines and fees and avoiding doing that when it comes to car insurance laws in South Dakota means purchasing a policy. For those who drive without valid automobile insurance, a penalty of between $100 and $500 can be issued. Also, up to 30 days of jail time, and a driver’s license suspension of up to a year, can be handed down.
Beyond these basic penalties, there are reinstatement fees, application fees, and other paperwork that may be required in order for a person to regain their driving privileges.
How To Save Money On Car Insurance In South Dakota
Saving money on car insurance starts with comparing policies from many different companies. Professionals recommend getting free quotes for car insurance from at least three companies to help you find the best deal. Use the tools on this site to find the best rates for car insurance available in your area. Discounts can also be a fantastic way to save money, so be sure to fill out your quote application using accurate information so that all discounts you qualify for are applied.