Short-Term Car Insurance in South Dakota

If you are seeking some auto insurance flexibility, you could be considering a short-term auto insurance policy. But short-term auto insurance is hard to come by for several reasons.

Many major car insurers don't tend to offer policy terms for fewer than six months. As car insurance is mandated by law in most states, swapping policies by the month can be risky. Additionally, you risk having lapses in your auto insurance history by changing policies frequently, leading to more expensive rates in the long run.

Fortunately, auto insurance contracts commonly last for only six months. This hasty turnaround allows insurance companies to frequently “re-rate” — or re-price — your costs based on your up-to-date driving history and demographics.

The six-month mark also provides a timely chance for you to assess your situation by checking out other insurers. Comparing rates on the Internet costs nothing, and there isn't necessarily a penalty for changing insurers when your policy ends — or in the middle of your policy term, assuming you never let your coverage lapse.

Car insurance's flexible nature makes it easy to find quickly. If you need an insurance policy to drive a new vehicle off the lot, shopping for insurance for a long-term auto rental or seeking insurance for a car you don't own but drive often, think about purchasing a half-year policy and ending the term as needed.

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Temporary insurance in South Dakota

See below average car insurance rates for drivers in South Dakota, ordered by popular auto insurance companies and cities. If your bills exceed what you see below, think about shopping around.


SHORT-TERM AUTO INSURANCE RATES IN SOUTH DAKOTA — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
South Dakota State Average — All Companies$854$142
Allied$618$103
Farmers Mutual of Nebraska$626$104
State Farm$649$108
Unitrin$657$110
Buckeye Insurance$742$124

The most affordable option for single-month car insurance in South Dakota is Allied, through which you can save $1 per month, compared to the next-cheapest option, Farmers Mutual of Nebraska. In South Dakota, the average monthly cost of auto insurance is $142, or $854 over a six-month period.

The place in which you live can have just as large an influence on your auto insurance rates as as your choice of insurance company. Auto insurance companies take into account the density and likelihood of a claim being filed when assigning prices by ZIP. Take a look at insurance rates in the largest South Dakota cities and compare how much you pay.


TEMPORARY AUTO INSURANCE RATES IN SOUTH DAKOTA — BY CITY
LocationAverage 6-Month RateAverage Monthly Rate
Sioux Falls$741$124
Rapid City$882$147
Aberdeen$733$122
Brookings$732$110
Watertown$704$117

Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current costs exceed those listed above, take the time to shop around. The temporary duration of a car insurance agreement increases the importance of remaining informed and ready to shop.

Find out more about temporary car insurance or use The Zebra to compare quotes for free online.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.