Yankton, SD Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Yankton, SD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Average Cost of Car Insurance in Yankton, SD
The average auto insurance cost in Yankton, South Dakota, is $1,383. Before choosing a car insurance provider in Yankton, South Dakota, it is, therefore, best to compare various reviews and do some research on different providers. Finding the best deal on auto insurance in Yankton, South Dakota, is undoubtedly feasible because of the numerous providers. The cost of auto insurance is determined by insurance companies based on a number of variables, including deductibles, driving habits, age and gender, credit history, marital status, and many others. Here are a few details on a few factors.
1. Credit History
Your credit history is one of the many factors that insurance companies use to determine your premium. Generally, a good credit score can mean lower premiums, while a bad credit score can mean higher premiums. A good credit score indicates to insurers that you're a responsible borrower. That means you're more likely to pay your bills on time and less likely to file a claim. As a result, you'll usually get a lower car insurance rate. If you have a poor credit score, on the other hand, insurers may see you as a higher risk. That could lead to a higher car insurance rate. In Yankton, SD, car owners with excellent credit scores pay $1,354 on car insurance, whereas car owners with poor credit scores pay $2,256.
2. Age of the Driver
People who are not paying enough attention are responsible for many accidents. This may be due to inexperience or being easily distracted. Compared to other drivers, young drivers are more likely to get in an accident, which increases liability risks as well as repair expenses. As a result, insurance providers in Yankton, South Dakota, charge young drivers higher auto insurance premiums than they do for other age groups. For example, teenagers pay $4,488 on auto insurance in Yankton, SD, whereas old drivers aged 40 years pay $1,317. Of course, you cannot do much about your age, but if you’re a young driver in Yankton, SD, you can do a few things to lower your car insurance rates. Good choices include completing a defensive driving course and keeping a clean driving record. Shopping around and comparing rates from different insurers is also an excellent way to ensure you get the best rate possible.
3. Driving Habits
Most insurers will look at your past three to five years of driving history. They'll specifically look at any accidents, traffic violations, or DUIs/DWIs on your record. Some insurers may also surcharge you for specific violations, such as speeding or driving without insurance. For instance, driving through a red light or with a suspended license can increase your Yankton, South Dakota auto insurance premium by +$322 and +$932, respectively. Avoiding traffic infractions is crucial if you want to buy cheap auto insurance in Yankton, South Dakota.
Factors that can influence the cost of car insurance in Yankton, SD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Yankton, SD Auto Insurance Rates
- Yankton, SD Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Yankton, SD
- Multi Vehicle Insurance Savings in Yankton, SD
- How Credit Score Affects Car Insurance Rates in Yankton, SD
- How DUI Affects Auto Insurance Premiums in Yankton, SD
- Top Auto Insurance Agents Near Yankton, SD
- How Driving Violations Affect Auto Insurance Rates in Yankton, SD
- Yankton, SD Auto Insurance Discounts on Anti Theft Feature
Yankton, SD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Yankton, SD with that of other cities in and around Yankton.
| Yankton | Utica | Yankton County | Frankfort | North Frankfort | Mission Hill | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,383 | $1,113 | $1,385 | $1,329 | $1,364 | $1,324 |
Yankton, SD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Yankton, SD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Yankton | $1,231 | $1,040 |
| Aten | $1,482 | $1,252 |
| Utica | $1,146 | $968 |
| Mission Hill | $1,286 | $1,087 |
| Yankton County | $1,059 | $894 |
| North Frankfort | $1,233 | $1,041 |
| St. Helena | $1,584 | $1,338 |
| Frankfort | $1,601 | $1,352 |
Yankton, SD Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Yankton, SD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,488 |
| 20 Years | $1,777 |
| 30 Years | $1,369 |
| 40 Years | $1,317 |
| 50 Years | $1,220 |
| 60 Years | $1,236 |
| 70 Years | $1,439 |
Yankton, SD Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Yankton, SD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,351 | $415 |
| 3 Vehicles | $3,527 | $622 |
| 4 Vehicles | $4,702 | $830 |
Savings on 2 Vehicles bundle:$415
Savings on 3 Vehicles bundle:$622
Savings on 4 Vehicles bundle:$830
Yankton, SD Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Yankton, SD.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Yankton | $1,383 | $2,428 |
| Aten | $1,439 | $2,116 |
| Utica | $1,113 | $1,954 |
| Mission Hill | $1,324 | $2,325 |
| Yankton County | $1,385 | $2,432 |
| North Frankfort | $1,364 | $2,006 |
| St. Helena | $1,268 | $1,865 |
| Frankfort | $1,329 | $1,955 |
Yankton, SD Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,187 |
| Excellent (740-799) | $1,354 |
| Good (670-739) | $1,441 |
| Average (580-669) | $1,880 |
| Poor (300-579) | $2,256 |
Yankton, SD Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Kevin Carda | Farmers | 2006 Locust St, Yankton, 57078 | (605) 665-5476 |
| Roy Wilcox | State Farm | 200 W 4th St, Yankton, 57078-4359 | 605-665-7140 |
| Corinsurance | None | 2405 Broadway, Yankton, 57078 | None |
| M T & R C Smith Insurance | Liberty Mutual Independent | 204 W 4Th St, Yankton, 57078 | None |
| Rhonda Wesseln | State Farm | 1023 W 9th St, Yankton, 57078-3390 | 605-665-4411 |
| Elmer H. Anderson Agency | None | 220 E 5Th St, Canton, 57013 | None |
Yankton, SD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$61 | $1,444 |
| Driver's Failure In Showing Documents | +$134 | $1,517 |
| Driving With An Expired Registration | +$142 | $1,525 |
| Driving At A Considerably Slow Pace | +$300 | $1,683 |
| Using A Cellphone While Driving | +$317 | $1,700 |
| Running A Red Light | +$322 | $1,705 |
| Speeding | +$339 | $1,722 |
| Driving A Vehicle Without The Required Permission | +$430 | $1,813 |
| Driving With An Expired/Suspended License | +$932 | $2,315 |
Yankton, SD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,328 |
| Active Disabling Device | $1,328 |
| Tracking Device | $1,300 |
| Passive Disabling Device | $1,286 |