Yankton Auto Insurance Rates, Quotes, Agents & Reviews in SD

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.

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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 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