Car Insurance premiums in South Dakota averaged $586.96 in South Dakota in 2008, representing a change of 4.10 percent from the previous year when rates averaged $563.65. The 2008 figures indicate that, liability coverage averaged $306.00, collision averaged $219.98, and comprehensive averaged $222.05. There were 48 states that had higher average premiums and 1 with lower premiums. In 2007 there were 49 states with higher rates than South Dakota. Taking a look at a longer trend, premiums for car insurance in South Dakota in 2000 averaged $481.67 and in 2005, $510.42. In the year 2000, 48 states had higher premiums.
Important Factors Influencing Car Insurance Rates In South Dakota:
| City Speed Limits |
75
|
| Freeway Speed Limits |
70
|
| Blood Alcohol Limits |
0.08
|
| Open Container Law |
Both the driver and passenger of vehicles are prohibited from possessing open alcohol
|
| Cell Phone Laws |
There is no statewide ban on hand held cell phone use while driving.
|
| Cell Usage By Driver |
There is no state wide ban on all cell phones by drivers.
|
| License Suspension on DUI |
There is no automatic suspension of license on a first offense for DUI – DWI.
|
| Restoration Abailable After DUI |
No Information Available
|
South Dakota Car Insurance Premium Data
| 2008Average Premium |
$586.96
|
| 2007 Average Premium |
$563.65
|
| 2007-2008 % Change |
4.10%
|
| 2008 Collission Cost |
$219.98
|
| 2008 Liability Cost |
$306.00
|
| 2008 Comprehensive Cost |
$222.05
|
| 2008 Premium Rank |
49
|