South Dakota Car Insurance
Full Coverage in South Dakota
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By Alexis Karapiperis | Customer Service Representative at Learnandserve.org | Powered by A Plus Insurance
South Dakota Car Insurance Requirements
In South Dakota, all insured drivers will need need to meet the State’s minimum requirement for auto insurance. For South Dakota Car insurance, you will need to have Liability Insurance along with Uninsured Motorist Coverage.
South Dakota Requires A Minimum Liability Limit of: 25 / 50 /25
| Bodily Injury For One Individual | Bodily Injury For Multiple Individuals | Property Damage |
|---|---|---|
| $25,000 | $50,000 | $25,00 |
South Dakota Will Also Require Uninsured Motorist of: 25 / 50
| Bodily Injury For On Individual | Bodily Injury For Multiple Individuals |
|---|---|
| $25,000 | $50,000 |
Liability is simply having proof of insurance showing that you are financially responsible for any expenses in which occur during an accident that you are found guilty in causing. Liability insurance, however, will not cover any of the cost in damage that occurred to you or your vehicle.
This is where opting for full coverage would come into effect for covering the costs in repair for damage that occurred to your vehicle, regardless of who was at fault
Full Coverage South Dakota Car Insurance
Full coverage insurance is an optional coverage for insured drives to add on to their auto policy. In some cases though, a dealership or lienholder may require the insured to have it on their policy when financing or leasing a vehicle.
How Does Full Coverage Insurance Work?
Full coverage insurance will consist of two components known as comprehensive and collision. In order to use either of these coverages, you will need to pay your set deductible first.
Lets get into what Comprehensive and Collision both cover first:
Comprehensive: This will cover any cost in repair for damage that occurred to your car from or by a fire, flood, a tree branch falling, a deer hitting your car, theft, vandalism, etc.
Collision: This will cover the cost for your vehicle when damaged from colliding with another vehicle in an accident or by colliding with an object such as a pole or tree. This coverage will work in the event that your vehicle was actively moving or parked, regardless of who was found at fault.
Now we will cover Deductibles:
Deductibles: Your deductible is what will need to be paid first before either of the coverages will come into effect. You are able to choose your limit of how much you are willing to pay upfront before using the coverage. Deductible amounts will typically be $500 or $1,000. The higher of a limit you choose, the lower your premium will cost.
Should I Have Full Coverage On My Car Calculator
Should I Have Full Coverage On My Car?
To help answer your question, we have created a calculator below. Simply enter in your answers with the information you know to have it give you a proper estimate on whether full coverage is the right option for you.
Normally with vehicles over ten years in age, full coverage may not be necessary since you will be paying more for the coverage than what the car is worth.
If you have any further questions on whether or not full coverage South Dakota Car Insurance is the right fit for you, feel free to connect with one of our agents.
Full Coverage South Dakota Car Insurance Rates
These are the average rates for full coverage insurance in South Dakota.
| Carrier | Average Cost |
|---|---|
| National General | $138 |
| American Family | $145 |
| Nationwide | $145 |
| State Farm | $146 |
| 21st Century | $151 |
| Travelers | $152 |
| Progressive Insurance | $153 |
| Mendota Ins. Company | $156 |
| Allstate | $160 |
| Farmers | $164 |
| Acceptance RTR | $165 |
| Bristol West | $168 |
| The General | $168 |
| AssuranceAmerica | $173 |
| Liberty Mutual | $176 |
Although these are the average rates for full coverage insurance, they are subject to change due to all individuals having different circumstances.
| Factors that Impact Rates |
|---|
| Age |
| Gender |
| Location |
| Driving Record / Driving History |
| Vehicle Make / Model |
These factors will play into what your overall rate will be for full coverage car insurance.
Get started on your free quote with an A Plus Agents to help assist you and answer any other questions you may have in regards to South Dakota Car Insurance.
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Additional Helpful Links: South Dakota Car Insurance
| Additional South Dakota Insurance |
|---|
| Car Insurance | South Dakota |
| Liability Auto Insurance | South Dakota |
| SR22 Insurance | South Dakota |
| Homeowners Insurance | South Dakota |
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Last Updated on by Alexandra Vileikis