How Much Does Auto Insurance Cost for Drivers Requiring a SR22 in South Dakota?

You have seen the captivating commercials from auto insurance companies like The General and Allstate claiming the cheapest rates, so you just need to choose the one with the best commercial, right?

Regrettably, it’s not quite that easy, as there are a lot of unknowns such as your credit rating, if you are claim-free, what coverage limits you need, and if you are a homeowner, that all influence how much you pay for auto insurance. This article will detail the best ways to avoid overpriced car insurance and will hopefully give you a good start in finding the cheapest car insurance.

Determining which insurers offer the lowest-priced insurance rates for drivers requiring a SR22 will require more time in order to find the best price. Each auto insurance company uses a little different formula for determining rates in each state, so let’s take a look at the most competitive insurance companies in South Dakota.

Cheapest Insurance Rates for SR22 Drivers

Compare Rates Now

USAA has some of the lowest car insurance rates in South Dakota at around $650 each year. Auto-Owners, State Farm, Unitrin, and Farmers Mutual of Nebraska are also some of the best South Dakota car insurance companies.

As depicted above, if you have coverage with Unitrin and switched to Auto-Owners, you could realize an annual premium reduction of around $145. Customers with Farmers Mutual of Nebraska could save as much as $148 a year, and Farmers policyholders might lower prices by up to $178 a year.

To find cheap car insurance for drivers requiring a SR22 in South Dakota for your vehicle, click here to start your custom quote or feel free to get quotes from the companies below.

These prices are averaged for all drivers and vehicles in South Dakota and and are not calculated with a rate surcharge for drivers requiring a SR22. So the company that fits you best may not even be included in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The vehicle model that needs insurance is one of the largest factors that determines whether or not you can buy the best cheap coverage for drivers requiring a SR22. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than high performance models.

The information below showcases insurance premiums for a selection of the most cost-effective vehicles to buy insurance for.

Prices based on single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in zip code location which can alter prices greatly.

Based upon the table data, we can expect vehicles like the Ford Escape, Chevrolet Traverse, Hyundai Elantra, Honda CR-V, and Toyota Prius are going to be the most economical vehicles to insure for high risk drivers. The price for car insurance will tend to be higher because there is more liability risk for drivers requiring a SR22, but in general those models will tend to have the least expensive rates that you are likely to find.

For high risk drivers, one of the big considerations that auto insurance companies take into consideration when calculating the policy price is your address. Cities that have higher claim levels or more people like Pine Ridge, Spearfish, and Belle Fourche tend to pay higher rates, whereas areas with less traffic congestion and claims have the enjoyment of a little cheaper coverage.

The illustration below shows the more expensive cities in South Dakota for drivers requiring a SR22 to buy an auto insurance policy in.

Annual rates are approximated as the specific area where the vehicle is garaged can change prices significantly.

Ending up with the best car insurance provider can be rather challenging considering how many companies provide coverage in South Dakota. The company information shown below could help you analyze which providers to look at when shopping insurance around for drivers requiring a SR22. The ratings below are only made up of companies with a national presence, so smaller companies that only insure vehicles in South Dakota are not factored into these rankings.

Which major car insurance company is best?

When comparing rates for car insurance for high risk drivers in South Dakota, four companies you’ll want quotes from are State Farm, Geico, Allstate, and Progressive. The following table ranks pricing and service ratings, as well as optional policy coverages .

Ideas to find economical auto insurance for drivers requiring a SR22

The list below summarizes some of the better thrifty solutions that can help South Dakota drivers quote more affordable auto insurance.

• Do not get tickets or violations
• Increase physical damage deductibles
• Don’t have frequent claims
• Avoid preventable accidents
• Assess whether full coverage is needed
• Shop around for cheaper prices often

The final tip is extremely necessary, as was emphasized in the prior information. Car insurance prices can be adjusted at any time, so don’t be unwilling to switch companies if a lower-cost policy is available.

Having a favorite company is fine, but we do not recommend it if it’s costing you a lot of money. It only takes a couple minutes to compare prices and find cheaper insurance for drivers requiring a SR22.