Car Insurance in Yankton, SD
This list of FAQs for car insurance in Yankton can help you make smart decisions for local coverage.
Yankton, SD, is a small city with major personality. With a strong emphasis on music, theater, art and outdoor living, it feels like the Portland of South Dakota. Over 15,000 people call Yankton home, including many married couples and families.
The main reason families in Yankton need car insurance is because there are many vehicles in the city. Out of the 6,500 households in the city, most own at least two or three vehicles. At the very least, local drivers must carry liability insurance for each vehicle.
There are many popular places to visit a short distance from town. Yankton has wonderful open-air destinations for relaxing, exercising or spending time with friends and family, such as:
For fun and adventure, Yankton families can take short road trips to nearby destinations. For example, buzzing Sioux Falls, SD, is only 90 minutes to the northeast. Ponca State Park in Nebraska only takes 50 minutes to reach by car.
Choosing the right type of car insurance coverage depends on several factors, such as:
How does Yankton stack up? In many areas, very well. With some help from VIU by HUB's handy comparison features, local families may save quite a bit of money on car insurance premiums.
People in Yankton have a much shorter commute than the U.S. average: just over 10 minutes each way. There is no public transportation available, so 90% of local workers commute. Not spending much time on the road lowers the risk of accidents significantly.
Like most places in South Dakota, Yankton has cold, snowy winters. That said, temperatures don't get as cold as cities further north. There are about 150 days a year when the weather is cold enough for freezing. Some people may want collision insurance to be prepared in the event of sliding off icy roads.
U.S. Route 81 is the busiest highway in the city. Some sections get 14,000-17,000 vehicles a day. Other roads, such as SD Highways 50 and 52, only have an average daily volume of 4,000 vehicles. This means that families living along Route 81 either need to be more careful when commuting or invest in better car insurance in Yankton.
In 2021, there were only 170 total crashes in the area, much lower than many cities in South Dakota. Few accidents resulted in injuries. Many were single-vehicle crashes.
Crime rates are one area where Yankton families need to exercise more caution. The city has higher rates of property crime than both South Dakota and U.S. averages. In 2019, there were over 250 cases of auto theft, electronics theft and car parts theft. Comprehensive coverage can assist with this type of risk.
On average, car insurance in Yankton is more expensive than other places in South Dakota, costing over $1,500 a year. Local families should carefully consider coverage needs. Getting rid of unnecessary coverage and investing in important areas of vehicle protection can maximize value and minimize cost. VIU by HUB shines when it comes to comparing auto insurance companies.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
