A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In South Dakota, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. After such a conviction, insurance providers typically view the driver as high-risk, which often results in increased premiums. On average, insurance rates can go up by approximately 80%, although the exact increase can vary based on the insurance company and the specifics of the driver's record. Multiple DUI/DWI convictions compound the issue, making it even more challenging for drivers to find affordable insurance. Insurers may be reluctant to provide coverage, or they may only offer policies at significantly higher rates. Additionally, a DUI/DWI conviction in South Dakota can lead to the suspension or revocation of a driver's license, which also affects their ability to legally operate a vehicle and obtain insurance.