Almost every state has laws stating that people have auto insurance, but the actual regulations regarding auto insurance vary from state to state - so the type of coverage that you require depends on the state in which you live in.

Even if there are no laws, it is highly recommended that you have some form of cover; otherwise you may end up paying out huge amounts of money in the event of an accident, or even losing your home, in a worst-case scenario.

Get the best deals when shopping for auto insurance in South Dakota. Request South Dakota insurance quotes and compare!


The 10 Most vs. the 10 Least Expensive Car to Insure in South Dakota

There are numerous factors that go into determining auto insurance rates in South Dakota. Driving records, area (rural or metropolitan), type of car (sports car vs. family car) and more are some of these factors.

The question comes up quite often as to what cars are the most expensive cars to insure - regardless of the factors above. A quick call to your agent might help you narrow your choices -- and avoid a second case of sticker shock after you drive your new car home.

The reason: Along with your own driving record, your ZIP code, and the demographics of the drivers in your household, the make and model of your vehicle can have a big impact on your insurance bill, says Russ Rader, spokesman for the Insurance Institute for Highway Safety. Of all of those factors, the type of vehicle you purchase is the only variable you can change to keep your rates down.

One of the factors that have a bearing upon cost of insurance is the cost of repairs - especially from an accident. Obviously, higher end cars, such as a Porsche, Mercedes or Rolls Royce will cost more to repair than a much less expensive vehicles.

Some think that a smaller, more maneuverable car is able to outrun trouble and avoid crashes. It's a myth, says Rader. "When you look at the statistics and insurance claims, small sports cars tend to be in more crashes, often because they tend to be engaged in fast or aggressive driving. From a statistical standpoint, the safest models tend to be the full-sized family-sedan-type cars, he says.

A few other special circumstances can also make rates rise substantially. If a car is a popular target for thieves, your insurance company might charge you higher rates to keep it covered.

Car Insurance Q & A

Question: If someone borrows my car and crashes it, does my insurance apply, or does theirs?
Answer: Generally speaking, the liability follows the car, so your insurance would apply, as it is your car. The liability insurance of the driver often pays the additional amount if the costs payable are above your policy limits.

Question: If a child goes to college with mom or dad’s car, are they covered under the parents’ personal auto policy?
Answer: This can vary from company to company. Check with the insurance provider and make sure that the child is listed as an additional driver. Do this before the child goes to college, and it will avoid unnecessary disputes later on.

Question: Do I need ‘gap’ insurance?
Answer: If your vehicle is on finance, and its value is now less than the amount you owe, then yes you need gap insurance. If you owe less than its value, then no, you do not need gap insurance.