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Farmers Mutual of Nebraska is the cheapest SR-22 insurance company in South Dakota, with premiums costing an average of $185 per year. Since drivers with an SR-22 are considered high-risk, they usually pay above-average rates for coverage, sometimes more than twice as much as a standard policy. The average rate increase in South Dakota is 15%.
Cheapest SR-22 Insurance Companies in South Dakota
| Rank | Company | Average Premium |
| 1 | $185 per year | |
| 2 | $194 per year | |
| 3 | $214 per year | |
| 4 | $253 per year | |
| 5 | $291 per year |
Note: Premiums are for a 45-year-old driver in South Dakota; individual premiums will vary.
If these premiums all seem incredibly high, remember that the increase is only temporary. In South Dakota, you are only required to have an SR-22 on file for 3 years, and if you practice safe driving habits in the meantime, you should see your premiums begin to go down.
Tips for Getting Cheap SR-22 Insurance in South Dakota
- Figure out how much insurance you really need by looking at the minimum requirements for South Dakota.
- Consider a non-owner SR-22 certificate if you need to be able to drive but do not own a vehicle.
- Continue to compare insurance rates annually to make sure your insurer is still offering you the best price.
It is possible that you will not be able to find a company that is willing to insure you. If that happens, you may be able to apply for car insurance through your state, since many states provide programs to match high-risk drivers with partnering insurers. However, this should be used as a last resort because the premiums will likely be very expensive.
To learn more, check out WalletHub’s guide to SR-22 insurance.
People also ask
How do I find out if I still need an SR-22?
To find out if you still need an SR-22, contact your local DMV office and ask if your SR-22 form has been filed for the required period of time. If it has, you can then contact your car insurance company and request that they remove your SR-22 filing with the state. Each state has its own requirements, but you usually only need an SR-22 for about three years.
You should never cancel your SR-22 filing...
read full answerHow can you get an SR-22 removed?
To get an SR-22 removed, a driver needs to contact their insurance company once they are no longer required to have the SR-22 on file with their state DMV. While each state has its own rules for how long drivers must maintain an SR-22, it can usually be removed after 3-5 years. Since individual drivers do not handle SR-22 forms themselves, the insurance company will take care of the cancellation.
You can contact your...
read full answerHow much does non-owner SR-22 insurance cost?
Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.
The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...
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