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How a speeding ticket impacts your insurance in South Dakota

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Getting a speeding ticket in South Dakota is likely to add a few points to your driver’s license and could set you back up to $220 for your first offense. Unfortunately, that may not be where your financial consequences end. Speeding ticket costs in South Dakota often include an increase in auto insurance premiums. The average auto insurance rate in South Dakota is $1,553 per year for full coverage and $276 for minimum coverage. After a driver gets convicted of speeding, those figures increase to $1,765 per year for full coverage and  $317 for minimum coverage on average.

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How much is a speeding ticket in South Dakota?

Speeding ticket costs in South Dakota depend on how fast the driver is traveling in excess of the posted South Dakota speed limit. According to the state’s official website, the fee schedule is:

  • 1-5 mph over limit: $85
  • 6-10 mph over limit: $105
  • 11-15 mph over limit: $125
  • 16-20 mph over limit: $145
  • 21-25 mph over limit: $165
  • 26 or more mph over limit: $220

There are also other considerations when it comes to the price of a South Dakota speeding ticket. Sometimes special circumstances, such as those listed below, could lead to increased and/or additional fees.

  • Speeding in a construction zone: $100-$370
  • Drag racing: $270
  • Failure to meet the minimum speed on a highway: $120

South Dakota drivers who get a speeding ticket could have two or more points added to their driver’s license, depending on the severity of the incident. 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?

There are six states that don’t allow car insurance companies to use gender as a contributing factor when deciding a driver’s premium. South Dakota isn’t one of them. Men tend to have more accidents so they might often see slightly higher rates than women. Both men and women see an average increase of 14 percent after a speeding ticket conviction in South Dakota, but keep in mind that your actual rates are based on numerous individual factors and will vary; these averages are meant to give you a starting point as you search for car insurance.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket Percentage increase
40-year-old male $1,556 $1,769 14%
40-year-old female $1,549 $1,762 14%
Total average $1,553 $1,766 14%

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

Having a speeding ticket on your record in South Dakota is likely to cause your auto insurance rate to increase. The state does not clarify how long a speeding ticket stays on your record in South Dakota, but insurance companies typically include surcharges for driving incidents for between three to five years (or until it falls off your motor vehicle record). In the meantime, there are some things you can do to potentially get cheaper car insurance in South Dakota.

Get quotes from other car insurance companies

While your insurance is likely to go up for a speeding ticket in South Dakota, it might not go up as much with certain carriers. Getting quotes and switching to a new insurance provider could mitigate the rate increase you experience after a ticket. Rate data we analyzed from Quadrant Information Services shows 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 South Dakota premium before speeding ticket* South Dakota premium after speeding ticket* Percentage increase
State Farm $1,148 $1,305 14%
Farmers Mutual of Nebraska $1,260 $1,383 10%
Farmers $1,326 $1,692 28%
USAA $1,389 $1,612 16%
Allstate $1,577 $1,696 8%

*All rates displayed are average annual full coverage rates.

Look for discounts

Most car insurance companies offer potential 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. Many providers will lower your rate if you pay your annual premium in full, enroll in automatic payments or sign up for paperless statements. Other discounts include:

  • Car and home insurance bundles. You may save money by getting home insurance and auto insurance from the same provider.
  • Defensive driving course. If you take a pre-approved defensive driving course, some companies will give you a lower premium.
  • Telematics insurance. Some companies will offer a discount if you agree to have your driving and mileage tracked; drivers who drive fewer miles and practice safe habits could earn a discount off their premium.
  • Multi-car policies. Insuring multiple cars with the same company may yield lower annual premiums.

Frequently asked questions

    • The best car insurance company for drivers with a speeding ticket will vary. It depends on where you live, what type of coverage you need, which discounts you can qualify for and how much you can afford to spend on their monthly or annual premium. Additionally, you may care about more than just rates; perhaps a company with a great reputation for customer service is important to you, while another driver may value a company that offers great digital tools.

      Doing a little research to select a few companies that meet your criteria, then requesting quotes for the same coverage types and levels is the best way to find the best company for you.

    • The cheapest car insurance will depend on many factors, including your driving record, vehicle, coverage needs and other factors, including your age, gender and credit-based insurance score in most states. The average car insurance rate in the U.S. is $2,014 per year for a full coverage policy and $622 for minimum coverage, which may be a helpful baseline as you start your search.

      These average rates are based on a 40-year-old driver with a clean driving record, so if you fall under different demographics, you might be quoted very different rates. Our picks for the cheapest car insurance companies offer lower-than-average rates and are broken down into different driver types to give you a sense of what you might actually pay based on your unique circumstances.

    • Car insurance companies will typically review your driving record prior to renewing your policy, so you don’t necessarily need to notify them, but be prepared for your rates to increase regardless. Once you have been convicted of speeding, you may want to start shopping around to see where you can find the lowest rates prior to your next renewal.
  • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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.

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

    Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

    Age: Rates were calculated by evaluating our base profile (40 years) applied. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

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