Aberdeen, SD Auto Insurance Costs
How Much Does Car Insurance Cost in Aberdeen, SD? State minimum liability on average in Aberdeen, SD costs…
If you live in the Mount Rushmore State and own a car, there are certain requirements to meet before you can drive a one. You must have a valid license and register your car in the state. However, another important requirement is proof of financial responsibility.
This states that you can pay for damage in case you get into an accident. While there are other ways to prove this, such as a surety bond or a certificate of deposit for $50,000 with the state treasurer, for most people, this means getting auto liability insurance.
How Much Does Car Insurance Cost on Average in South Dakota?
- .In South Dakota state minimum liability on average costs $61 a month or $730 a year. Full coverage auto policies costs around $241 a month or $2,897 a year
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in South Dakota – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Which Company Has the Cheapest Car Insurance in South Dakota?
- In South Dakota the cheapest car insurance companies on average are Farmers, Progressive and Mid-Century. State minimum liability car insurance starts at $25 a month or $295 a year with Farmers. The cheapest full coverage car insurance starts at $168 a month or $2,020 a year with a policy from American Family Ins. Company.
Here are the average policy rates from the cheapest local and national insurance providers in South Dakota across the state from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Farmers | $295 | $25 | $2,447 | $204 |
| Progressive | $481 | $40 | $4,286 | $357 |
| Mid Century | $549 | $46 | $2,967 | $247 |
| American Family Ins. | $555 | $46 | $2,020 | $168 |
| State Farm | $694 | $58 | $4,551 | $379 |
Average Cost for Car Insurance in South Dakota Cities
| South Dakota City: | State Minimum: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Aberdeen | $525 | $44 | $2,805 | $234 |
| Brookings | $528 | $44 | $2,760 | $230 |
| Rapid City | $602 | $50 | $3,486 | $290 |
| Sioux Falls | $730 | $61 | $2,897 | $241 |
South Dakota City Cost Guides
Brookings, SD Auto Insurance Costs
How Much Does Car Insurance Cost in Brookings, SD? State minimum liability on average in Brookings, SD costs…
Rapid City, SD Auto Insurance Costs
How Much Does Car Insurance Cost in Rapid City, SD? State minimum liability on average in Rapid City,…
Sioux Falls, SD Auto Insurance Costs
How Much Does Car Insurance Cost in Sioux Falls, SD? State minimum liability on average in Sioux Falls,…
Car Insurance Costs in South Dakota by County
Here are the average prices of state minimum coverage in South Dakota for car insurance:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Aurora | $817 | $626 | $880 | $653 | $804 |
| Beadle | $817 | $626 | $828 | $653 | $804 |
| Bennett | $1,002 | $769 | $1,067 | $802 | $988 |
| Bon Homme | $817 | $626 | $803 | $653 | $804 |
| Brookings | $817 | $626 | $801 | $653 | $804 |
| Brown | $817 | $626 | $818 | $653 | $804 |
| Brule | $817 | $626 | $880 | $653 | $804 |
| Buffalo | $817 | $626 | $880 | $653 | $804 |
| Butte | $914 | $744 | $819 | $802 | $988 |
| Campbell | $817 | $626 | $880 | $653 | $804 |
Finding Auto Insurance Resources in South Dakota
South Dakota has its own division of insurance, which is under the state’s Department of Labor and Regulation. You can get more information about regulations, companies and almost anything about insurance on this site, including auto insurance. You can also find out the latest auto insurance news, as well as information on coverage, rates and state laws at insuranceQuotes.com.
If you are searching for information about vehicle registration and licenses, then the South Dakota Division of Motor Vehicles is the place to go. You can visit the nearest MVD office to get information or simply look at it from the website.
What You Need to Know About South Dakota Auto Insurance
South Dakota is a “fault” state when it comes to auto insurance. That means the party at fault for the accident must pay for damage. For example, if you get into a collision and it was your fault, then you (or rather, your insurance) must pay for all the damage.
That said, you might want to get additional coverage aside from the minimum. Unlike many other states, South Dakota doesn’t require you to get personal injury protection (PIP), but this is coverage you should consider getting.
South Dakota Auto Insurance Requirements
If you don’t have any other proof of financial responsibility, then you need auto insurance. In South Dakota, drivers must meet the following minimum coverage for auto insurance:
- $25,000 to over injury or death to one person and $50,000 for multiple people
- $25,000 for property damage
You face fines and penalties if caught driving without insurance. The state may suspend your license for a year and require that you file proof of insurance for three years once you get your license back.
Moving to South Dakota: Important Information
If you’re moving to South Dakota from another state, then there are a few things you must do. First, you have to obtain your in-state license within 90 days of arrival. To do this, surrender your out-of -state license, show proof of ID and residence, and bring your Social Security card. After passing a vision test, you will get your new license.
You must register your out-of-state car. To do this, fill out the correct forms and bring the bill of sale (or other type of proof of purchase) and valid ID, and pay the fees to the county treasurer.
Driving Laws in South Dakota
Driving laws are more or less the same from state to state, with minor variations. Before you begin driving in South Dakota, make sure you learn about the state’s specific traffic laws.
You should take care when you encounter “no-zones.” According to official South Dakota traffic tips, the no-zone is a bus or truck’s blind spot. There are certain rules you must follow when you pass a no-zone. First, do not stay in a truck’s no-zone area. If you can’t see the driver’s face in his or her side-view mirror, then the driver can’t see you either. Don’t tailgate large vehicles and don’t move in to the lane too quickly when you pass them.
Teens can start driving in South Dakota at the age of 14. People between the ages of 14 and 18 can get an instruction permit and then upgrade to a restricted minor’s permit. This allows the person to drive a car alone, with permission from the parent, between 6 am and 10 pm, and all other hours as long as there is a parent or guardian in the front seat.
