Best Cheap Car Insurance Companies for High-Risk Drivers in South Dakota

Due to the risk they perceive you to represent with a poor driving history, insurance companies may charge you a higher premium. The good news is that you can find an affordable policy that lives up to your standards by comparing quotes from different insurers.

Among South Dakota’s high-risk auto insurance companies, State Farm offers the best blend of customer service and affordability. State Farm’s high-risk driver policy also has the lowest annual premium, averaging $755. However, your personalized insurance quote depends on various factors like your age, credit score and violations.

Many insurance companies think high-risk drivers have a high chance of filing a claim. If you have a lengthy driving record that includes multiple violations, a conviction for a DUI or tickets, then you may be considered a high-risk driver. Due to their lack of experience behind the wheel, teenage drivers are also considered to be high-risk by insurance companies.

High-risk drivers frequently pay a higher premium to insurance companies because of their greater likelihood of a claim. MoneyGeek found that high-risk drivers in South Dakota see an average increase of 23% in car insurance prices.

Auto insurance for high-risk drivers in South Dakota is lowest with State Farm, according to MoneyGeek's analysis. The average cost of a policy from this insurer is $755 per year for high-risk drivers.

Learn more about the company’s rates, benefits and drawbacks in MoneyGeek's in-depth analysis of State Farm.

MoneyGeek's research indicates that State Farm has the highest ranking for high-risk drivers in South Dakota, with a score of 91 out of 100. Our State Farm review gives a comprehensive analysis of the insurer's coverage options, average costs and level of customer service.

When it comes to the high-risk car insurance companies in South Dakota, American Family is the second-best option, with a total score of 86 out of 100. You can find out more about the company in our review.

State Farm's annual rate for drivers in South Dakota with a DUI conviction was found to be the most affordable, at an average of $735 per year. Explore the company's customer service, coverages and discounts in our in-depth State Farm review.

USAA may also be an affordable high-risk auto insurance option for the state's residents who are in the military on active service or who have retired and have a DUI.

According to MoneyGeek's analysis, State Farm is the cheapest company for South Dakota teen drivers for car insurance. State Farm's average annual car insurance policy premium for high-risk teenage drivers is $2,707.

However, your rate will vary according to your age, location and other variables. Read our State Farm review to discover more about this insurance company.

According to MoneyGeek's research on auto insurance with bad credit in South Dakota, Farmers offers the most affordable policy to high-risk drivers. The average annual premium for a Farmers policy for drivers with poor credit is $1,164. Your rate may vary depending on your age, gender and other variables.

Read the MoneyGeek review of Farmers to learn more about this insurance provider.

Auto insurance companies usually take a driver's driving record and other things into account when calculating how much their premium will be. Because of this, high-risk drivers usually pay more for car insurance.

High-risk drivers in South Dakota, for example, spend an average of $1,110 a year for insurance, while low-risk drivers pay an average of $814 annually. The difference here is almost $296.

MoneyGeek's South Dakota auto insurance calculator is a useful tool for estimating the cost of a policy based on your age, gender, credit score, driving record, vehicle type and year, as well as the coverage amount. In addition, our calculator can show you which factor has the most bearing on your price.

In an entirely voluntary market, such as auto insurance, being denied coverage is a possibility if a provider considers you to be too risky. The best possible action in that situation is to get in touch with the Automobile Insurance Plan Service Office (AIPSO) for a residual market plan. For the past 48 years, this non-profit organization has been facilitating high-risk drivers in finding cost-effective insurance policies from the residual market.

AIPSO's state-by-state database might help you find a residual market plan. The South Dakota Automobile Insurance Plan (SDAIP) provides auto insurance to drivers with eligible risks who are unable to obtain car insurance from the voluntary market. Applicants must certify that they have tried and failed to obtain auto insurance in South Dakota within the past 60 days at rates not exceeding those under SDAIP. Applicants must have a valid driver's license or be eligible to get one.

Finding auto insurance as a high-risk driver may be tough. To help our readers, MoneyGeek has provided answers to some of the most often-asked questions about high-risk auto insurance in South Dakota.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.