Cheapest Car Insurance for Drivers with a DUI in South Dakota

One of the more important considerations that help determine the amount you pay each year for auto insurance is your zip code. Regions with larger populations or more claims like Pine Ridge, Lead, and Mobridge are more likely to have higher rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The next table ranks the more expensive cities in South Dakota for drivers with a DUI to purchase auto insurance in.

Premium costs are estimated as specific location information can decrease or increase auto insurance rates substantially.

The make and model of vehicle you are insuring is one of the largest factors that determines the availablility of the cheapest auto insurance for drivers with a DUI in South Dakota. Vehicles with lower performance, good crash test ratings, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The data below ranks car insurance rates for a handful of the most economical automobiles to buy coverage for.

Price data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific garaging location which can alter insurance rates significantly.

Data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can alter price quotes significantly.

Prices above based on single male driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in vehicle garaging location which can influence price quotes greatly.

Driving violations and accidents

The ideal way to maintain the best insurance rates in South Dakota after getting a DUI is to drive carefully and not have accidents or get tickets. The information below illustrates how traffic citations and at-fault collisions can drive up car insurance costs for different age groups. The information is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

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In the example above, the average cost of car insurance per year with no accidents and a clean driving record is $1,057. Get two speeding tickets and the average cost hikes up to $1,447, an increase of $390 each year. Then add two accidents along with the two speeding tickets and the annual cost of insurance for drivers with a DUI jumps again to an average of $3,081. That’s an increase of $2,024, or $169 per month, just for not being attentive to the road!

The diagram below highlights how deductible selection can influence insurance rates when quoting cheap insurance for drivers with a DUI. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2359,2171,1965,1767],[‘Age 30’, 1641,1503,1343,1193],[‘Age 40’, 1521,1397,1255,1119],[‘Age 50’, 1333,1225,1099,979],[‘Age 60’, 1287,1183,1063,949],[‘Age 70’, 1493,1375,1243,1117]]);var options = {title: ‘Effect of Higher Deductibles on Insurance Prices in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could pocket $234 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $354 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could roll back prices $592 or even more just by choosing larger deductibles. If you do make the decision to raise your deductibles, it is essential to have enough savings set aside to allow you to cover the extra out-of-pocket expense associated with higher deductibles.

How to find the cheapest car insurance for drivers with a DUI

Below you’ll find some of the recommended penny-pinching suggestions that can help South Dakota drivers get low-cost auto insurance.

• Safer vehicles generally have cheaper insurance rates
• Increase your credit score
• Prevent rate increases by staying accident-free
• Multi-policy discounts save money
• Full coverage may not be needed on older vehicles
• Compare quotes from other companies often

The last idea is very valuable, as we stressed in this piece. Auto insurance prices can change considerably in a year, so drivers shouldn’t hesitate to buy a different policy if a more affordable rate is found. Staying with the same car insurance company is fine, but it’s not a good idea if that faithfulness ends up costing you big bucks every year. In just a few minutes you could compare rates to find cheaper insurance for drivers with a DUI.