Cheap Auto Insurance Quotes in Yankton, SD (2023)

A small city located on the bank of the Missouri River, Yankton is home to about 15,000 people. Driving in this area is anything but stressful, as streets are organized in an easy-to-navigate grid-like fashion and traffic is rare. Yankton has several larger highways along with a handful of larger surface streets to offer a variety of routes for drivers. While Yankton’s roads are relatively calm, it’s important to always maintain adequate auto insurance.

Car Insurance in Yankton, SD

The average cost of South Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Yankton, SD to find you the cheapest quotes in the area.

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• Cheap Car Insurance South Dakota

• Compare Car Insurance

Cheapest Car Insurance in Yankton, SD

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Minimum Car Insurance Requirements in South Dakota

All motor vehicles operated or parked on South Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in South Dakota^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Dakota is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodiliy injury

• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Dakota, drivers are required to purchase this coverage for bodily injuries.

Yankton Car Insurance Rates by Driver Age

At $171, most teens with a part-time job should be able to afford car insurance and still have time for good grades, sports, and extracurriculars. In the Mount Rushmore State, more years of experience mean cheaper premiums. For this reason, twentysomethings slice $70 off the price the youngest drivers pay. From then on, everyone stays below the state average of $160 per month. Those in their 40s lock in the best deal, with a price that’s less than half of what teen drivers shell out.

Yankton Car Insurance Rates by Driving and Accident History

Yankton’s drivers know the wisdom of safety and its benefits on and off the road. People get the peace of mind and security defensive driving provides, and insurance companies reward responsible motorists with “good driver” and “accident-free” discounts. But all it takes is one missed alarm clock, and a speeding ticket can bump up the rate by over $60 per month, or $720 per year. If there’s a ticket or accident on a person’s record, three years of careful driving, and it’s back to clean.

See More:

• High-risk Car Insurance South Dakota

• DUI Car Insurance South Dakota

Yankton Car Insurance Rates by Credit Tier

South Dakotans have wondered what their credit has to do with their driving. State law says insurance companies can use credit as a factor when setting rates. Typically, people with the best credit pay the least. But in Yankton, why do drivers with average credit squeak out the best deal? People with better credit might finance costlier cars and need more coverage to protect their assets. Either way, moving from poor to average credit will save over $100 per month, or $1,200 per year.

See More: Bad Credit Car Insurance South Dakota

Find local Yankton agents

Yankton, SD DMV Information

South Dakota offers some unique DMV services with a Driver License Office situated in north Yankton and a DMV Now kiosk inside the Hy-Vee grocery store. This kiosk allows motorists to complete simple tasks, like renewing their vehicle registration, while the Yankton Driver License Office provides full DMV services. Open Tuesday through Friday from 7 a.m. to 5:30 p.m., it’s not a place where you’ll find lengthy waiting times.

Public Transportation in Yankton, SD

Yankton’s public transportation is exactly what you’d expect for a city that’s so small; a bus system runs from 7:30 a.m. to 5 p.m. Monday through Friday. If you need to travel on a weekend, holiday, or outside its operating hours, you’ll have more success using a rideshare service like Lyft or Uber. Residents of Yankton who don’t own vehicles often need to plan their trips in advance, especially during the winter months.

For more detailed South Dakota city level guides, check out these below.

• Average Cost of Car Insurance Rates in South Dakota

• DUI Car Insurance Rates in South Dakota

• High-Risk Driver Car Insurance Rates in South Dakota

• South Dakota Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in South Dakota

• SR-22 Insurance in South Dakota

How to get the best and cheapest car insurance in Yankton, SD

Traveling throughout Yankton is often considered easy when you compare it to other parts of the nation, but that doesn’t mean motorists shouldn’t always be aware of their surroundings. Winters in South Dakota can be treacherous for drivers, so it’s important to make sure you allow extra time to arrive at your destination.

Don’t let the threat of expensive car insurance keep you from enrolling in the policy that offers you robust protection when you’re behind the wheel. Insurify allows you to compare prices from multiple carriers and has saved drivers more money than they ever thought possible. Visit Insurify today and enjoy greater peace of mind while you drive.

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