How a speeding ticket impacts your insurance in South Dakota

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Millions of drivers receive speeding tickets each year and many may consider it to be a minor offense. However, getting a speeding ticket can lead to serious consequences, including financial penalties. The specific penalties for a speeding ticket vary by state.

Getting pulled over for a speeding ticket in South Dakota will usually add points to your driving record, which can eventually lead to more serious penalties, like license suspension. A speeding ticket will also impact your car insurance rate.

How much is a speeding ticket in South Dakota?

You may be wondering, “How much does a speeding ticket cost in South Dakota?” The cost ranges between $85-$220 depending on how fast the driver was going over the posted speed limit. Speeding in a construction zone can result in a higher fine between $100-$370. The actual fine depends on the driver’s speed and other factors at the time of the incident.

South Dakota drivers who get a speeding ticket will have two points added to their driver’s license. Drivers who receive 15 points within one year, or 22 points in two years, may have their driving privileges revoked.

How much does a speeding ticket increase your car insurance in South Dakota?

After a speeding ticket in South Dakota, a driver’s car insurance rate will increase. However, the specific increase depends on several factors, one of which is a driver’s gender. The table below highlights the average annual full coverage premium before and after a speeding ticket in South Dakota for adult drivers, depending on their documented gender:

Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Male $1,594 $1,863 17%
Female $1,691 $1,857 10%

Males typically face steeper insurance increases for speeding than female drivers based on the statistical risk assessed during the underwriting process.

How to lower your car insurance after a speeding ticket in South Dakota

Having a speeding ticket on your record in South Dakota will cause your auto insurance rate to increase regardless of how fast you were going, your age or your existing driving record. Fortunately, there are ways that you can save money after a ticket and avoid a significant rate hike.

Get quotes from other car insurance companies

If you are paying a higher premium after a speeding ticket, consider getting quotes from other insurance companies. If you are able to find a lower rate elsewhere, switching to a new insurance provider can help you save money. The table below includes the average annual cost of full coverage insurance before and after a speeding ticket from some of the best car insurance companies in South Dakota:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
American Family $1,070 $1,798 68%
Farmers $1,272 $1,736 37%
Farmers Mutual of Nebraska $1,086 $1,217 12%
Iowa Farm Bureau $1,933 $2,334 21%
North Star Mutual $1,775 $2,217 25%
Progressive $1,655 $2,147 30%
State Farm $1,242 $1,295 4%
USAA $1,337 $1,484 11%
Western National $2,168 $2,373 9%

*Premiums are average annual full coverage premiums for 40-year-olds

Before you decide to switch insurance companies, it is a good idea to compare a few providers based on customer service reviews, coverage options and discounts. The company with the lowest rates will not necessarily always be the best for your insurance needs.

Look for discounts

Most car insurance companies offer discounts to help drivers save money on their premiums. After a speeding ticket, review the discounts that your carrier offers and make sure you are taking advantage of the ones you can qualify for. For example, many providers will lower your rate if you pay your annual premium in full, enroll in automatic payments or sign up for paperless statements.

Raise your deductible

Choosing a higher car insurance deductible will lower your premium, so it may be an option worth considering to get a cheaper rate after a speeding ticket. Keep in mind that most insurance companies have a maximum deductible of $2,000. Before you raise your deductible, make sure you can afford the higher out-of-pocket cost if you need to file a claim in the future.

Other speeding ticket considerations

In addition to a higher insurance rate, getting a speeding ticket in South Dakota usually comes with other penalties. You will be required to pay a hefty fine and you could lose your driver’s license, depending on your existing driving record. However, most drivers do not need to go to traffic court after a speeding ticket unless they were committing other, more serious violations at the time of the incident.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

The best car insurance company for drivers with a speeding ticket will vary. It depends on where the driver lives, what type of coverage they need, which discounts they can qualify for and how much they can afford to spend on their monthly or annual premium.

How much does car insurance cost in South Dakota?

In South Dakota, the average annual cost of car insurance is $1,642 for full coverage and $275 for minimum coverage. For comparison, the average rate in the U.S. is $1,674 per year for a full coverage policy.

How much car insurance is required in South Dakota?

South Dakota’s car insurance laws require drivers to carry at least 25/50/25 in personal liability insurance. A minimum coverage policy includes $25,000 for bodily injury coverage per person, $50,000 for bodily injury coverage per accident and $25,000 in property damage coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and a single speeding ticket.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor