Updated: November 21, 2024
Advertising & Editorial Disclosure
MoneyGeek's analysis found that State Farm is the best insurance company for full and minimum coverage policies for drivers with a DUI in South Dakota. State Farm is also the cheapest insurer for both coverage levels. You can find rates for both types of policies in the table below.
For drivers convicted of a DUI in South Dakota seeking full coverage car insurance, the two cheapest providers are State Farm, offering annual rates of $735, and American Family, with costs of $820 per year.
The top two cheapest providers for minimum coverage car insurance in South Dakota after a DUI are State Farm at $354 per year and American Family at $469 per year.
State Farm stands out as the best full coverage auto insurance provider for drivers with a DUI in South Dakota, offering an affordable annual rate of $735 along with high scores in affordability, customer satisfaction, and financial stability.
A driver with a DUI on their record may find it difficult to obtain insurance coverage since insurance companies are not obligated to do so by law. If you retain your car insurance after a DUI in South Dakota, you can expect your insurance premiums to increase by about 73%, with rates jumping from $789 without a DUI to $1,366 with a DUI. This is because DUI offenders are more likely to submit a claim and are labeled as high-risk motorists.
If convicted of DUI, drivers in South Dakota face up to 10 years of jail time and fines and penalties costing up to $20,000. This is in addition to having their licenses suspended and paying higher insurance rates. Even while standard punishments exist for DUI convictions, the prosecutor retains the right to alter these recommendations.
According to MoneyGeek's research, Progressive and State Farm have the cheapest DUI insurance policies in the United States. However, State Farm and American Family provide the cheapest car insurance for DUI drivers in South Dakota.
According to our research, the most affordable full coverage auto insurance policies in South Dakota for drivers with a DUI are:
| 1 | State Farm | $735 |
| 2 | American Family | $820 |
| 3 | Farmers | $1,100 |
| 4 | USAA | $1,130 |
| 5 | Progressive | $1,140 |
Additionally, MoneyGeek found that the following insurers offer the cheapest minimum coverage policies for South Dakota's drivers convicted of DUI:
Only military personnel and their families are eligible for USAA's policy, available for $375 per year, which is the second-cheapest option.
| State Farm | $354 |
| USAA | $375 |
| American Family | $469 |
| Progressive | $496 |
| Farmers Mutual of Nebraska | $514 |
| Farmers | $533 |
| Allstate | $560 |
| Allied | $992 |
| GEICO | $1,022 |
Remember that while the state minimum insurance may be the least expensive option, it may not provide adequate coverage. South Dakota law requires drivers to have the basic minimum liability coverage required by the state and uninsured/underinsured motorists coverage. You should, however, figure out how much insurance you need to ensure maximum protection.
MoneyGeek's ratings of South Dakota insurance based on pricing, financial stability and customer satisfaction can assist you in finding the most appropriate policy. We found that State Farm is the best full coverage and minimum coverage provider in South Dakota for someone with a DUI.
For people with a DUI conviction in South Dakota, State Farm and American Family are the best full coverage auto insurance providers.
South Dakota’s drivers with a DUI pay an average of $735 per year for full coverage auto insurance with State Farm, while those without a DUI pay around $675 yearly. A DUI conviction increases your State Farm insurance premiums by around 9% each year.
State Farm scored high marks in all of MoneyGeek's categories, receiving a perfect 5 in the affordability category. The company offers common coverages like roadside assistance and rental car insurance, but not unique coverages like custom parts coverage or common coverages like accident forgiveness or new car replacement. They offer a rare new vehicle discount and common discounts like the driver's education discount and the defensive driving discount for completing a defensive driving course.
American Family's full coverage car insurance for a person with a DUI costs around $820 per year in South Dakota, compared to $802 for the same policy without a DUI. Having a DUI on your record increases the annual premium for an American Family by approximately 2%.
American Family scored high across multiple categories but received a lower claims score. The company's original equipment manufacturer coverage is one of a kind. American Family also offers common coverages like gap insurance and accident forgiveness. The company's discounts include several common ones and a few unique ones like the new customer and volunteer discounts. Apart from the anti-theft discount, the company offers all other commonly offered discounts.
State Farm and Allstate are the best car insurance providers in South Dakota for those with a DUI who need the state's minimum coverage. Note that if you choose the cheapest option of a policy with minimum coverage, you may not be adequately insured, particularly in an accident.
State Farm's basic minimum coverage for DUI drivers in South Dakota costs around $354 per year. Without a DUI, the same coverage costs $319. Having a DUI on your record will result in a 9% increase in annual State Farm premiums.
State Farm is the best insurer in South Dakota for minimum coverage insurance for DUI drivers, obtaining high ratings across multiple categories. State Farm includes common add-on coverages like roadside assistance and ridesharing insurance but does not offer gap insurance or accident forgiveness. You cannot get unique coverages either. The insurer may offer you a rare new vehicle discount if you qualify. Common discounts like student, defensive driving, and driver's education are also offered.
For individuals with a clean driving record in South Dakota, the state minimum coverage with Allstate may cost approximately $397 per year. On the other hand, those with a DUI pay an additional 36%, $560 each year.
Allstate, except for its low affordability ratings, received good scores in multiple categories. Aside from better car replacement, the company provides all other commonly-offered coverages and those that are rare, such as sound system coverage and custom parts coverage. Except for defensive driving and multi-car discounts, all other commonly offered discounts are available from Allstate. You may also be eligible for the unique responsible payment discount by paying responsibly.
According to MoneyGeek, the average annual premium for full coverage car insurance in South Dakota increases by 73% following a DUI, with rates around $1,366. In comparison, average drivers without a DUI spend around $789 for the same amount of coverage. Your insurance rates will increase due to insurers classifying you as a high-risk driver following a DUI.
How long does a DUI affect the cost of your car insurance?
The look-back period refers to how long a DUI remains on a driver's record. During the look-back period, each subsequent DUI carries a heavier punishment to prevent repeat offenses. Remember that each state's look-back period is different. DUIs have a 10-year look-back period in South Dakota.
Full Coverage
$789
Full Coverage
$1,366This is 73% more expensive.
Your auto insurance prices will significantly increase if you have a DUI on your record since insurance companies will now consider you a high-risk driver. If you're looking for an auto insurance quote based on your driver profile, check MoneyGeek's car insurance calculator for South Dakota.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In addition to soaring insurance premiums, a DUI in South Dakota can result in other costs, such as:
Insurance companies may refuse to cover you if you have a DUI conviction. If you can retain your current insurance, prepare to pay increased prices. Because insurance companies are privately held, they have the legal right to reject a driver with a DUI or refuse to renew their policies.
Getting auto insurance after a DUI in South Dakota may be especially challenging due to the 10-year look-back period. If you search around a little, you can still compare prices and find the best possible deal.
Drivers who have been convicted of a DUI in South Dakota must complete and submit an SR-22 form with the state insurance department. Your insurer files this document on your behalf to demonstrate that you have the state's required minimum insurance coverage. In South Dakota, SR-22 insurance comes with several costs, including filing fees and the possibility of losing insurance discounts.
Driving while under the influence of alcohol or drugs has substantial legal consequences in South Dakota. DUI penalties vary by state but can include license and driving privilege suspensions, fines, taxes and fees and possible prison time. Below, MoneyGeek summarizes the laws and penalties related to having a DUI in South Dakota.
Driving with a BAC at or above 0.08% is considered a DUI
Blood Alcohol Content (BSC) is a term that refers to the amount of alcohol in someone's blood. Driving while intoxicated with a BAC of 0.08% or above is a crime in South Dakota. Even if your BAC doesn't cross the threshold, you may be arrested if you appear to be unable to drive safely.
Driving with a BAC of 0.17% or more will increase penalties
Those arrested for drunk driving with an alcohol concentration of 0.17% or more may have to undergo a 24/7 sobriety monitoring program and undergo a court-ordered examination by a chemical dependency counselor.
30-day minimum administrative license suspension on first offense
The administrative license suspension law of South Dakota allows officers to seize the driver's license from someone arrested for DUI. The suspension duration for first offenses in the state is 30 days. The license will be suspended for one year for subsequent infractions.
Limited driving privileges based on purpose
You may get a restricted license/permit that grants you limited driving privileges for school, work or both.
Ignition interlocks at the driver's discretion
The installation of interlock devices in vehicles to shut off the engine for alcohol detection in the breath is at the discretion of the driver.
Open container laws
South Dakota law forbids drivers from driving a vehicle with alcoholic beverages if their original seals have been broken. The prohibition applies to all passengers and vehicles operating on public highways or state park roads.
The answers to some of the most frequently asked questions, such as how to get car insurance with a DUI in South Dakota, have been discussed below to help you make an informed decision.
It is better to discuss this with your current insurance carrier. Insurance companies in South Dakota are not required to continue providing coverage to persons convicted of DUI and thus may cancel or refuse to renew your policy.
Following a DUI conviction in South Dakota, rates frequently increase by 73%. The average cost .of full coverage auto insurance in the state is $789 per year on average. After a DUI conviction, this amount climbs to $1,366.
Your auto insurance premiums may be higher until the 10-year look-back period expires. Regardless, how long a DUI affects car insurance in South Dakota is contingent on your circumstances.
After a DUI, it may be challenging to get an insurance policy that suits your needs. We recommend comparing insurance quotes from different companies to select a company and a policy that best suits your needs.
To determine the top companies for individuals with DUIs in South Dakota, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
