Car Insurance in South Dakota

South Dakota is one of the least populated states in the country. Automobile ownership in this state is well above average with one car for every resident in the state. Here is another state with low population and high vehicle ownership. It may be easy to get by without a car when you have great public transport facilities. But this wouldn’t be the case when people thinly spread across the state. Usually there are fewer accidents when a state is not densely populated and therefore insurance costs are lower. This theory seems to hold in South Dakota where you can enjoy driving in wide open countryside.

One piece of good news for motorists is that drunk driving and Uninsured Drivers are not as big a problem in South Dakota as in many other states. This is a relief for everyone. You don’t need to be driving to be a victim of an accident. Many pedestrians suffer from accidents involving drunk, careless and uninsured drivers. Actually, pleasing figures on these two fronts is a sign that driver education in the state is pretty good. This is another reason to be pleased about.

Minimum Auto Insurance Coverage Limits in South Dakota
  • $25,000 for bodily injury or death per person.
  • $50,000 total for bodily injury or death per accident.
  • $25,000 for property damage. Car Insurance in South Dakota

Also Uninsured Motorist Coverage is required for all policies in SD. It pays you, resident members of your family and occupants of your auto for personal injuries caused by an uninsured motorist or a hit and run driver. No coverage for damage to your vehicle is provided. Having this coverage and still not paying expensive automobile insurance rates is another bonus.

Check State website Division of Insurance section for anything else you want to know about driving here.

Youngsters can get an instruction driving license permit at the age of 14 and they can get a driving license at the age of 16. But learner drivers are not allowed cell phone in the car while driving. A good driver education right from the start improves safety on the roads. Graduated driver training is a success in this aspect.

Minimum liability only auto insurance requirements listed above is no way an indication of how much insurance you should buy for your automobile. Over 70% of motorists buy full coverage policies in America. Motorists should know that there may not be huge price differences between liabilities only and full coverage policies. These days there are economical full coverage car insurance policies on offer that come with good coverage and low prices. Another relief is that these affordable policies are offered by some of the largest car insurers in the country.

Inexpensive Auto Insurance Companies in South Dakota

These companies will help you reduce your insurance costs in most cases. However, it is always a good practice to get a few more quotes before you can call it a day. When you find one of the cheapest insurers you can save about 40% in the Mount Rushmore State, in comparison to one of the more expensive companies.

  1. Western National, $660
  2. State Farm, $678
  3. GEICO, $738

Good rates are well spread across the South Dakota cities too. They all enjoy low rates including the most expensive cities for car insurance; Pine Ridge and Philip.

Remember when shopping for good cheap auto insurance coverage that you can have your cake and eat it too. First of all, you can buy a lot more coverage for your money and secondly when you find a cheap deal this doesn’t mean that you should assume there is a trick in the game. Of course you need to get your quotes and confirm exactly what you are being offered and if it is worth considering. The next step is to confirm that you are getting as good a coverage as your current one. Thirdly, you need to find out about the company who is promising to bail you out if you ever need bailing out.

How Much Does Automobile Insurance Cost in South Dakota? 

The above premium quotes are for minimum liability only. The average expenditure is based on average spending and South Dakota average is one of the cheapest in the country at $581. Furthermore, estimated cost of a full coverage policy is $1168 and it is about $200 below the US average as well.

There is a wide gap between the average premium expenditure and estimated full coverage cost in the state. This is an indication that most people choose to buy liability only or similar limited policies. May be most people are confident with their driving and not much worried about auto theft. Usually motorists choose not to load up with insurance when they don’t see much point. However, you should always get quotes for full coverage even though you have already made your mind up about buying liability only policy.

So, if you are paying much more than these figures and you have a good driving record you are probably pretty angry right now. You are in a state with the cheapest car insurance rates and yet somehow managed to stumble upon the most expensive insurer. In that case it is time to figure out how to economize money on vehicle insurance pretty quickly. There are many cases where an average driver can get great rates from pretty good insurance companies. And a good driver ends up with one of the most expensive insurer that is not really much known. One of the main reasons for this outcome is that one shops around and the other is lazy.

Also, don’t think that being a good driver and having no claim is the only way you can get discounts. Today, there are many ways of getting discounts on car insurance. Some of the less known ones are discounts for switching insurers, renewing your policy early, paying the premium in full, being a homeowner, bundling home and auto insurance and so on. You can see that none of these has anything to do with driving and yet can qualify you for discounts. You can actually save as much as 20% for having good credit. So, take your time and find out about automobile insurance discounts right here.

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