Car Insurance in Pierre, SD
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One of South Dakota's Most Popular Cities
Despite being one of the smallest state capitals in the United States, it's no exaggeration to say that Pierre, SD, has something for everyone. From the Missouri River to Fort Pierre, there is a wide variety of destinations to visit for people interested in art, history, nature, music or food.
Not surprisingly, this popular city also has significant traffic. Several portions of U.S. Highway 14 and U.S. Highway 83 get an average daily traffic volume of 7,000-14,000 vehicles. Considering that the Pierre metro area only has 20,000 residents in total, these traffic statistics are striking. Choosing good car insurance in Pierre, SD, is a must.
Phenomenal Destinations Within Driving Distance
One of Pierre's unique features is how well it appeals to tourists and residents alike. The city itself isn't huge, but it's surrounded by natural backdrops for hundreds of miles. Some highlights include:
- Lake Oahe Recreation Area
- Discovery Island
- Missouri River
- LaFramboise Island Nature Area
Lake Oahe offers over 230 miles of outdoor fun to explore. The area appeals to fishing enthusiasts, hikers, bikers, photographers, horseback riders and hunters. Families who love the outdoors can hop in the car and spend the weekend camping.
Important Car Accident Statistics
Getting good car insurance isn't just a state requirement; it's a smart choice to be prepared for car accident risks. In 2018. Pierre roadways had:
- Over 160 car accidents
- An average of three accidents every week
- Approximately 50 injured drivers
- Over 50 crashes involving teen drivers
- Almost 30 cases of drivers running red lights or stop signs
Having car insurance in Pierre, SD, is a way to be prepared. VIU by HUB can help drivers find a good balance of coverage to fit their lifestyle and travel habits.
The Daily Commute
Pierre doesn't have any conventional metro transportation, so the majority of workers (about 80%) take a private vehicle to the office. On average, drivers in Pierre have a comfortable daily commute of under 15 minutes. Does this reduce the risk of a car accident?
Ironically, no. In Pierre, most crashes (55%) happen on city streets, not on the highway (45%). A huge percentage of crashes involve people not yielding correctly, leading to dangerous rear-end collisions and side impacts.
Good Coverage Options for Car Insurance in Pierre, SD
Auto insurance policies come in a variety of configurations, some providing basic protections and others offering additional coverage.
Collision Insurance
Given the large percentage of rear-end, side-impact and multi-car accidents in Pierre, collision insurance is a good investment. It helps cover the costs of vehicle repairs or replacement.
Pierre's climate is warmer than other spots in South Dakota, but it still has 35 inches of snow, freezing weather and icy winters. Collision insurance can also help after single-vehicle accidents with deer, trees, posts or parked cars.
Comprehensive Coverage
Pierre also has a significant rate of property crimes. Between 2015 and 2019, the average was 3,500 property crimes and 150 cases of auto theft a year. Comprehensive insurance can help cover the costs of stolen electronics, vehicle parts and other items.
Trustworthy Car Insurance Protection
The average premium for car insurance in Pierre, SD, costs $1,550 a year, higher than the state average. Choosing the right balance of coverage for personal or family needs can make a huge difference for safety, peace of mind and money savings. VIU by HUB makes it easy to improve vehicle coverage by comparing a range of insurance companies, add-on options, policy limits and prices.
This information is intended for general informational purposes only and is not intended to constitute legal advice.