South Dakota Car Insurance

Additional South Dakota car insurance coverages

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages South Dakotans might consider:

• Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars. 
• Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses. 
• Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
• Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
• Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

What affects your South Dakota auto insurance rates

There are several factors that impact auto insurance in South Dakota, including individual circumstances, location, weather patterns and more. Here are key points to consider:

• Driving history: Your individual driving record significantly impacts insurance premiums. Drivers with clean records may have lower premiums, while drivers with a history of accidents or traffic violations typically face higher rates. 
• Coverage options and limits: The types and amounts of coverage you choose affect your premiums. Opting for the minimum state-required coverage tends to be more affordable, whereas adding optional coverages with higher limits increases premiums. 
• Vehicle type: The make and model of your vehicle can influence South Dakota car insurance rates. Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations. 
• Claims in your state: South Dakota auto insurance rates may be influenced by the frequency and severity of claims filed in the state. Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in South Dakota.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with South Dakota auto insurance discounts

Amica offers various auto insurance discounts to help South Dakotans save money on their premiums.¹ Here are some ways to save:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Defensive driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Missouri policy premium up front.

If you’re a South Dakota driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 20% with a multiline discount.¹

Facts and figures about South Dakota

Fun facts about South Dakota:

• Badlands National Park encompasses approximately 244,000 acres, making it the largest protected mixed-grass prairie in the U.S.²
• The faces of George Washington, Thomas Jefferson, Theodore Roosevelt and Abraham Lincoln are sculpted into Mount Rushmore, giving South Dakota its nickname “The Mount Rushmore State” in 1992.²
• Potato Days in Clark, South Dakota, is a town-wide celebration held in August. The festival features various events, including an antique tractor parade, potato sack contests and mashed potato wrestling.²

Facts about driving in South Dakota:

• Your South Dakota driver's license is valid for five years and expires on your birthday or 30 days later if you turn 21. You can renew it up to 180 days before expiration unless turning 21. A vision test is required for renewal, and if your license is expired, a knowledge test is also needed.³
• Drivers in South Dakota overtaking a bicycle must allow at least three feet of space if the speed limit is 35 mph or less, and six feet if it’s over 35 mph.³ 
• South Dakota has pedestrian hybrid beacon (PHB) to help pedestrians cross busy roads safely. It has two red lenses and one yellow lens that stay off until activated by a pedestrian. When activated, it signals motorists to stop with a yellow-to-red light sequence and displays 'WALK' for pedestrians. Once the pedestrian crosses, the beacon turns off again.³

With Amica, South Dakotans can hit the road with confidence, knowing they’re prepared for any situation that may arise.