Most drivers are able to get affordable car insurance in South Dakota. The rates you pay will depend on several factors. Shop around and get quotes from multiple companies before making your decision. WalletHub's free auto insurance comparison tool can help you find the best rates for your unique situation, so you can save money on your policy.
Good Drivers – Low Rates
Drivers with clean driving records typically pay lower premiums for South Dakota car insurance. The reason for this is that insurers consider safe drivers to be less likely file a claim. Consider switching to an usage-based insurance policy or lowering the deductible for even lower rates if you're a good motorist.
Liability Insurance Minimum Coverage Required
South Dakota requires that drivers have liability insurance. Liability insurance pays for damages caused to other people or property when you are at fault. You can choose to purchase more comprehensive coverage, which protects your vehicle in case of theft, vandalism and weather incidents, but it's expensive.
You can also get discounts if you have other types of insurance with the same company, including life or health policies. This will often reduce your overall insurance costs, though it's a good idea to check with your insurance agent first to see what kind of discounts you might qualify for.
Teen Drivers-High Rates
Insurance for young drivers is more expensive than that of older drivers. This is particularly true if the driver has a criminal record or a history of speeding. Getting a driver training course or getting an excellent credit score will help you save money on your insurance, and there are a few companies that offer discounts to young drivers.
Married Drivers: Affordable Costs
While the majority of companies do not provide a discount on the basis of marital status, there are some that do. Progressive, for instance, offers a $41 per month discount to married drivers who purchase full coverage. This is a 24% reduction in costs.
Senior Drivers – Affordable Costs
Older drivers in South Dakota are also likely to have lower average premiums than younger ones, which can be especially helpful for those over 60. It is because seniors have a lower accident rate and are more cautious drivers.
Moreover, many insurance companies will offer seniors discounts if the senior citizen has more than one policy. This is particularly true for homeowners' and renters' insurance, which often come with discounts if you buy a combined policy.
The Lowest Prices for Eligible Drivers
As a member, you could be entitled to discounts on car insurance. The companies offer lower rates for military personnel, veterans, and their families than they do to other types drivers.
Selecting a policy can be tricky, since some insurance companies will only insure those who are members of certain programs or have a high credit score. It's a good idea to compare policies that cover more than one driver. This way, you can be sure that you have a low-cost policy no matter who's driving the vehicle.