Car Insurance After a DUI in South Dakota: Cheapest Companies & Rates (2026)
A DUI in South Dakota increases car insurance rates by an average of 68%, raising a typical full coverage policy from $1,608/year to $2,701/year. That's an increase of $1,093/year ($91/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in South Dakota
Before DUI
$134/mo
$1,608/year full coverage
After DUI (+68%)
$225/mo
$2,701/year full coverage
Cheapest Companies After DUI in South Dakota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $167/mo | $1,999/yr | Military families |
| Erie Insurance | $178/mo | $2,134/yr | Rate lock guarantee |
| GEICO | $185/mo | $2,215/yr | Clean driving record |
| Progressive | $198/mo | $2,377/yr | Telematics savings |
| State Farm | $205/mo | $2,458/yr | Good students |
| Travelers | $214/mo | $2,566/yr | Multiple discounts |
| Nationwide | $234/mo | $2,809/yr | Bundling home + auto |
| Farmers | $243/mo | $2,917/yr | Signal telematics |
| Allstate | $252/mo | $3,025/yr | Accident forgiveness |
| Liberty Mutual | $266/mo | $3,187/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, South Dakota, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in South Dakota
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in South Dakota
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in South Dakota
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $225/mo | +68% |
| Year 1 | $216/mo | +61% |
| Year 2 | $202/mo | +51% |
| Year 3 | $180/mo | +34% |
| Year 5 | $152/mo | +14% |
| Year 7 | $134/mo | Normal |