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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Pierre South Dakota

Why Are Car Insurance Rates So Expensive Near Me

South Dakota is one of the states with some of the most expensive car insurance rates in the nation. Its rural population, lack of public transportation options and high risk for uninsured drivers all contribute to high insurance costs. South Dakotans pay an average of $1,397 a year for full coverage car insurance, which is more than double the national average of $893. Pierre South Dakota’s high insurance rates are partially due to its high uninsured driver rate. South Dakota has the fourth-highest percentage of drivers without car insurance in the country, with 13.3% of drivers being uninsured. This means that when an accident occurs, there is a greater chance that one or both parties cannot cover the costs of damages and medical expenses. South Dakota is also home to many rural areas which can make it difficult for drivers to find affordable car insurance coverage.

Additionally, South Dakota lacks public transportation options, so most people are more likely to own a vehicle and need an auto insurance policy as a result. To get the best car insurance rates possible in South Dakota, drivers should shop around for the most competitive rates and discounts available. Many companies offer specific Pierre auto insurance discounts which can help reduce their overall costs. It is also important to make sure you are adequately covered by purchasing enough coverage that will protect you financially in case of an accident or damage to your vehicle. South Dakotans can save money on car insurance by being a safe driver, bundling policies with one company and taking advantage of any available discounts and incentives from their insurer.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $4,546
20 Years $1,800
30 Years $1,387
40 Years $1,334
50 Years $1,235
60 Years $1,253
70 Years $1,458

Auto Insurance Rates for Young vs Older People

Auto insurance rates in Pierre vary depending on the age of the person. Young drivers typically pay higher rates than older ones, since they are more likely to get into accidents and be involved in risky driving behaviors. South Dakota has a graduated licensing system that requires teens to complete driver's education courses and take tests before they are allowed to drive on their own. This is one way that South Dakota tries to reduce auto insurance costs for young people by making sure they understand the rules of the road and become better drivers. Older people usually have more experience behind-the-wheel and can qualify for discounted rates due to their proven track record of safe driving habits. South Dakotans also benefit from lower car insurance premiums because the state does not require drivers to have no-fault coverage. South Dakota is one of the few states that allows you to choose whether or not you want this type of coverage, which can be very beneficial in terms of saving money on auto insurance.

Regardless of age, Pierre South Dakotans should always shop around to get the best rate available for their car insurance premiums. By comparing quotes from different companies and looking for discounts, South Dakotans can save money on their car insurance and make sure they are paying a fair rate for the coverage they need.

Best Auto Insurance Companies in South Dakota

State Farm

American Family

Farm Bureau

Farmers

Auto Owners

NAIC Market Share

16.14%

2.28%

4.16%

4.16%

1.28%

S&P Global Ratings

AA

A

BBB-

A

AA-

Average Full Coverage Yearly Premium

$1,309

$1,803

$2,101

$4,378

$2,990

Discount Rating

5 stars

4 stars

4 stars

4 stars

4 stars


State Farm

American Family

Farm Bureau

Farmers

Auto Owners

NAIC Market Share

16.14%

2.28%

4.16%

4.16%

1.28%

S&P Global Ratings

AA

A

BBB-

A

AA-

Average Full Coverage Yearly Premium

$1,309

$1,803

$2,101

$4,378

$2,990

Discount Rating

5 stars

4 stars

4 stars

4 stars

4 stars


State Farm

American Family

Farm Bureau

Farmers

Auto Owners

NAIC Market Share

16.14%

2.28%

4.16%

4.16%

1.28%

S&P Global Ratings

AA

A

BBB-

A

AA-

Average Full Coverage Yearly Premium

$1,309

$1,803

$2,101

$4,378

$2,990

Discount Rating

5 stars

4 stars

4 stars

4 stars

4 stars


Car Insurance Companies Near Me

Farmers Union Insurance - Pierre, SD

1007 E Wells Ave, Pierre, SD 57501

(605) 224-4123

http://www.fuiagency.com/agents/andrew-mefferd

AAA Pierre

201 E Sioux Ave, Pierre, SD 57501

(605) 224-0422

https://cluballiance.aaa.com/about/StoreDetails

Brittney Schiefelbein Agency, Llc American Family Insurance

340 S Pierre St, Pierre, SD 57501

(605) 224-6627

https://agent.amfam.com/Brittney-Schiefelbein/

Farmers Insurance - Martie Bothun

223 E Capitol Ave, Pierre, SD 57501

(605) 224-6994

https://agents.farmers.com/sd/pierre/martie-bothun

Fischer Rounds & Associates

125 E Dakota Ave, Pierre, SD 57501

(605) 224-9223

http://www.fischerrounds.com/

Becki Potrzeba - State Farm Insurance Agent

1315 E Wells Ave, Pierre, SD 57501

(605) 224-4173

https://www.insuredwithbecki.com/

Comparing the Best Car Insurance Companies Nearby

When shopping for car insurance in Pierre, it can be difficult to decide which company is the best for your needs. There are a variety of factors that you should consider when selecting a policy, including cost, coverage options, customer service and more. To help make the decision easier, we have compiled a list of the top car insurance companies in South Dakota. Each one has unique features and benefits that can help you find the right policy that fits your budget and lifestyle. By comparing these companies side-by-side, you can easily determine which one is right for you.

The first on our list is South Dakota Farm Bureau Mutual Insurance Company in Pierre. This company offers competitive rates with excellent customer service and claims processing times. They also provide a variety of coverage options, including liability, comprehensive and collision coverage. South Dakota Farm Bureau also has a great reputation for customer satisfaction and claims processing.

The second company on our list is American Family Insurance. This company offers excellent rates along with great coverage options in Pierre, such as rental car reimbursement, roadside assistance and more. They also have an extensive network of agents across South Dakota who are available to answer questions and help you select the right policy for your needs.

Last but not least is State Farm Insurance. State Farm is one of the largest insurance companies in South Dakota, with competitive rates and amazing customer service. In addition to their standard policies, they offer optional Pierre riders that can be added to your policy for additional protection if needed.

Comparing car insurance companies in Pierre is essential to finding the right policy for you. Be sure to research each one thoroughly before making a decision and be sure that the coverage and cost are exactly what you need. Doing your due diligence when it comes to researching car insurance will help ensure that you’re getting the best deal possible.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$3059$1004
Reckless Driving$2686$980
Wrong Way/Wrong Lane$2332$951
Driving on Sus. License$2312$922
Illegal Turn$2107$910
Failure to Obey Traffic Sign$2072$876
Speeding over 15$1889$634
Defective Equipment$1837$664
Speeding under 15$1772$602

How Driving Infractions Increase Insurance Premiums

South Dakota, like all other states, requires drivers to obey certain traffic laws in order to keep the roads safe. When drivers violate these laws and commit infractions, it can result in increased insurance premiums with Pierre providers. This is especially true for major violations such as reckless driving or DUI/DWI offenses.

Minor offenses such as speeding tickets may also lead to a premium increase; however, the amount of increase will depend on the severity of the offense and how many points were added to your license as a result. Pierre South Dakota assigns points values based on each violation's contribution to risk; more severe violations will add more points and cause a larger insurance rate hike than less serious ones.

Not all violations lead to increased premiums, though. South Dakota's "Safe Driver Incentive Plan" rewards drivers with clean records by providing discounts on their car insurance. Pierre drivers who have gone at least three years without an accident or ticket may qualify for these discounts, which can help offset any premium increases caused by prior infractions.

Ultimately, Pierre South Dakotans need to be aware of the potential consequences that come with committing traffic violations in order to keep their insurance costs as low as possible. Being cognizant of South Dakota's laws and avoiding reckless driving behaviors can go a long way toward keeping your annual premiums down.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1300
Below Fair $1994
Poor $2174
Worst $2419

Does Credit Score Matter When Getting Cheaper Quotes?

When shopping for car insurance in Pierre, many drivers are wondering if their credit score matters. The answer is yes. South Dakota insurers rely heavily on consumer credit scores when determining premiums and rates. Research has shown that those with higher credit scores tend to be more reliable customers, making them a better risk for insurers. Therefore, South Dakota drivers who have a good or excellent credit history may receive lower quotes than those with poor or no credit.

However, Pierre residents should note that having bad or no credit does not automatically disqualify you from finding an affordable auto insurance policy. Insurers also take into account other factors such as driving record, vehicle type, and coverage limits when calculating rates and premiums. If you have a less-than-perfect credit score, you can still find competitive rates by shopping around and comparing quotes from different South Dakota insurers.

Ultimately, Pierre drivers should keep in mind that having a good or excellent credit score can help them get access to lower premiums and better coverage. However, regardless of your credit history, South Dakotans can still find an affordable auto insurance policy if they take the time to research their options and compare quotes. With some diligence and effort, South Dakota residents can find the right car insurance policy that fits both their budget and their needs.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Pierre South Dakota

Don't Forget The Total Monthly Cost of Your Vehicle

When it comes to Pierre car buyers, one thing is certain: You don't want to forget the total monthly cost of your vehicle. It's important to consider everything from the purchase price, to insurance and maintenance costs, when you're evaluating what type of car or truck to buy. If you find a great deal on a new car in South Dakota, make sure you factor in all the additional costs before signing any paperwork. Doing so will help ensure that you get an affordable and reliable ride that fits within your budget.

If possible, try to negotiate for a lower monthly payment with your Pierre dealership than advertised. This could save you money in the long run and allow for more flexibility with how much money you can spend. Additionally, be sure to ask about any extended warranty options that are available. A good South Dakota car dealership should have several affordable options for you to choose from. With the right research and planning, you can find an auto loan in South Dakota that meets your budget needs and helps you get the vehicle of your dreams.

Insurance costs are another important factor when it comes to Pierre car buyers. Since South Dakota is a no-fault state, drivers must purchase personal injury protection (PIP) coverage as part of their policy. This type of insurance covers medical bills related to a car accident regardless of who was at fault. Other types of coverage include property damage liability, collision, comprehensive and uninsured motorist protection - all of which can add up to a significant amount each month. It's important to work with a South Dakota insurance agent to find the best coverage for your needs and budget.

Finally, Pierre car buyers should factor in maintenance costs when determining their total monthly cost of ownership. Oil changes, tire rotations, and other minor repairs can add up quickly over time. If you're considering a used vehicle, be sure to get an inspection from a qualified South Dakota mechanic so you know what kind of additional repairs may need to be made in the future.

By taking all these factors into consideration before you make your purchase, Pierre car buyers can ensure that they are getting the most reliable and affordable ride possible without breaking the bank each month.

Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.

car insurance companies Pierre SD

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in South Dakota

Choosing the right auto insurance for your car in Pierre can be a difficult decision. While full coverage is always recommended, it may not be necessary or even cost-effective if you only plan to use your vehicle for certain purposes. Here we will discuss the differences between full coverage and liability-only auto insurance in South Dakota so you can make an informed decision on what type of policy is best suited for your needs.

Full coverage auto insurance in Pierre South Dakota includes: collision and comprehensive coverage (which pays for damage done to your own vehicle), uninsured/underinsured motorist protection, medical payment coverage, and rental reimbursement. This type of policy usually provides more complete protection, as it covers all aspects of damages resulting from an accident, including medical bills that may be incurred for either you or the other driver. The cost of a full coverage policy is usually higher than a liability-only policy, however, due to the extra protection it provides.

Liability-only insurance in Pierre covers third party costs if you are at fault in an accident. This type of policy does not cover damages done to your own vehicle, nor does it provide any medical payment coverage for either you or the other driver. However, liability-only insurance is typically cheaper than full coverage due to its limited scope of protection.

When deciding between full coverage and liability-only auto insurance in Pierre, consider how much protection you need as well as how much money you can afford in premiums. If you are a careful driver, then liability-only may be the more cost-effective option for your needs. However, if you have a history of accidents or high-risk driving, then full coverage insurance will provide more comprehensive protection and peace of mind.

No matter which type of policy you choose, South Dakota law requires that all drivers maintain a minimum level of insurance coverage. This includes liability coverage with limits of at least $25,000/$50,000 for bodily injury and $15,000 for property damage caused by an accident. You may also need to purchase additional uninsured/underinsured motorist protection depending on your needs. Be sure to research all available policies so that you can make the best decision for your Pierre auto insurance needs.

Should I Increase My Deductible?

Pierre residents have the option to choose a higher insurance deductible in order to reduce their premiums. Before doing so, South Dakotans should consider their ability to pay for any unexpected costs that may arise from increased out-of-pocket expenses. It's important to weigh your risk tolerance against the potential savings when making this decision. South Dakota drivers should also review the rules and restrictions that come with increasing a deductible before taking this step. Making an informed decision about your South Dakota auto insurance coverage can go a long way towards keeping you safe on the road.

How Speeding Tickets Affect Insurance Costs in SD

Getting a speeding ticket in Pierre can be costly, not only because of the fine that the state imposes but also because it can impact your auto insurance rates. Insurance providers consider driving records when setting premiums, and even one excess speeding violation in South Dakota can result in increased costs for coverage. South Dakota's maximum speed limit on highways is 80 mph, and if you are caught going more than 10 mph over this limit, you may receive a citation. In South Dakota, those who receive a speeding ticket must pay the fine within 30 days or risk having their license suspended and/or vehicle registration revoked.

Speeding tickets remain on your record for up to five years, which means they could continue to affect your insurance rates for that period of time. Pierre insurance companies will take into account any citations for reckless driving, as well as your number of points accumulated on your record. The more points you have, the higher your premiums could be due to increased risk or potential liability. Insurance rates can increase by up to 50 percent if you are found guilty of multiple infractions.

If you receive a speeding ticket in Pierre, it is important to contact your auto insurance provider right away and let them know about the violation. You may find that your rates decrease over time once the citation drops off your record, but until then make sure to shop around and compare different policies so that you can find a plan that fits within your budget while still providing adequate coverage.

car insurance companies Pierre SD

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Pierre, South Dakota. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Pierre, SD. If you're looking for coverage after a DUI conviction then take a look at SR22 insurance in South Dakota.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.


Andrew Brown

Andrew Brown - Chief Editor

Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.