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Cheap Car Insurance in South Dakota (With Quotes, May 2022)
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4.8out of 3,000+ reviews
Edited by Jackie Cohen
Last Updated May 10, 2022
On any of those long stretches across the prairie where the speed limit is 85 mph, have you thought of your auto insurance policy? The good news is that in South Dakota, car insurance is pretty cheap: $160 per month, on average. However, lower rates are possible. Use Insurify to find your best rate, and read on for our breakdown of cheap car insurance in South Dakota.
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The average cost of car insurance in South Dakota is $160 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.
Looking for the cheapest rates bar none? These insurance companies are offering the lowest bids in South Dakota. Remember: not every insurance provider will show its best rates right off the bat. Sometimes, you need to watch the discounts line up to see which company is the best match for you. But low car insurance quotes never hurt, and these sure are looking good:
Car Insurance Company | Average Monthly Quote |
---|---|
Midvale Home & Auto | $137 |
Nationwide | $153 |
Dairyland | $155 |
Safeco | $159 |
State Auto | $188 |
Acuity | $207 |
See More: Car Insurance Quotes
Liability insurance protects you from bills you owe other people if you’re in an at-fault accident. Bodily injury liability insurance covers medical payments to people who get hurt, and property damage liability insurance covers costs of repairs and replacements if you damage someone’s car. State minimum coverage only includes liability coverage, and it can be cheap:
Car Insurance Company | Average Monthly Quote |
---|---|
State Auto | $64 |
Midvale Home & Auto | $75 |
Dairyland | $82 |
Safeco | $84 |
Nationwide | $158 |
Full-coverage car insurance includes liability insurance as well as comprehensive coverage, which protects your car from vandalism, theft, and weather damage (like hail), and collision coverage, which covers your car repairs and medical payments no matter who is at fault in an accident. Here are the cheapest auto insurance rates for full coverage in SD:
Car Insurance Company | Average Monthly Quote |
---|---|
Midvale Home & Auto | $152 |
Nationwide | $153 |
Safeco | $178 |
Dairyland | $207 |
Acuity | $211 |
State Auto | $221 |
The cheapest auto insurance isn’t always your best insurance option. In this table, you can compare car insurance quotes from the best car insurance companies in South Dakota based on their ICS, a rating that goes beyond the cheapest rates to assess financial stability and customer satisfaction ratings:
Car Insurance Company | ICS | Average Monthly Quote |
---|---|---|
Nationwide | 89 | $153 |
Safeco | 86 | $159 |
State Auto | 76 | $188 |
See More: Best Car Insurance Companies
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Every insurance company takes a look at your driving record when they set your auto insurance rates. Speeding tickets, at-fault accidents, DUIs, and other citations on your record can get you flagged as high-risk, and you’ll be charged higher rates. It makes shopping around very important. Some car insurance companies will respond to your driving history more favorably.
See More: High-Risk Car Insurance South Dakota
Car insurance companies consider you a good driver if your driving record doesn’t show any violations such as speeding tickets, DUIs, or at-fault accidents in the last three to five years. Check out these car insurance quotes for good drivers, and you’ll see that a clean driving record can save you a lot of money.
Car Insurance Company | Average Monthly Quote |
---|---|
Midvale Home & Auto | $118 |
Safeco | $140 |
Dairyland | $143 |
State Auto | $147 |
Nationwide | $149 |
Acuity | $211 |
A DUI is a serious offense with serious costs. And one of those costs is almost always higher car insurance rates. That said, every insurance company treats DUIs slightly differently. Here are the best car insurance companies for South Dakota drivers with DUIs:
Car Insurance Company | Average Monthly Quote |
---|---|
Dairyland | $128 |
Midvale Home & Auto | $129 |
Safeco | $173 |
Nationwide | $312 |
State Auto | $332 |
See More: SR-22 Insurance South Dakota
If you lose your driver’s license in South Dakota from a DUI or a similar offense, you might need SR-22 insurance, which the state requires for high-risk drivers. You assume greater financial responsibility with higher coverage limits. Not every insurer sells SR-22 policies, but these do, and if you’re a renter or homeowner, you can likely bundle to weather the extra cost:
When insurance companies look at your driving history and find an at-fault accident in your recent past, they tend to charge higher premiums. But you might have good luck with the insurance options listed in this table, which provide the cheapest South Dakota car insurance quotes for drivers with speeding tickets:
Car Insurance Company | Average Monthly Quote |
---|---|
Nationwide | $179 |
Dairyland | $201 |
Midvale Home & Auto | $204 |
Safeco | $216 |
Acuity | $217 |
State Auto | $253 |
Your car insurance rates will definitely be higher with a speeding ticket than they would be with a clean driving record. It just makes the effort of finding the cheapest rates for you all the more worth it. Plenty of companies are forgiving of speeding tickets. Here’s a list to get you started:
Car Insurance Company | Average Monthly Quote |
---|---|
Nationwide | $178 |
Acuity | $178 |
Midvale Home & Auto | $178 |
Dairyland | $192 |
Safeco | $209 |
State Auto | $289 |
You’ve heard that your credit score can make an important difference in your car insurance premiums. And that’s true. But in South Dakota, insurance companies are limited in how they can use your credit score to set your insurance premiums, so auto-owners with poor credit don’t have a hard time finding cheap car insurance.
Credit Tier | Average Monthly Quote |
---|---|
Excellent | $144 |
Good | $153 |
Average | $179 |
Poor | $223 |
See More: Bad Credit Car Insurance South Dakota
While Sioux Falls, Rapid City, Spearfish, and Brookings are the most expensive South Dakota cities for auto insurance rates, the variation among cities is not very high. However, since traffic makes for more accidents and thus higher premiums, rural drivers pay less.
City | Average Monthly Quote |
---|---|
Sioux Falls | $159 |
Rapid City | $166 |
Aberdeen | $126 |
Box Elder | $150 |
Brookings | $153 |
Mitchell | $124 |
Watertown | $145 |
Spearfish | $163 |
Sturgis | $142 |
Huron | $122 |
Yankton | $151 |
Vermillion | $139 |
In South Dakota, you can enjoy your cheapest auto insurance rates during your 60s. How nice! Teen drivers and young drivers under 25 can expect to pay double the insurance premiums of middle-aged South Dakotans, and in the case of teen drivers, nearly triple. Bummer.
Age Group | Average Monthly Rate |
---|---|
Teenagers | $271 |
Under 25 | $217 |
20s | $163 |
30s | $139 |
40s | $143 |
50s | $124 |
60s | $105 |
70s | $121 |
80+ | $135 |
Every state has minimum insurance requirements, and South Dakota is no exception. Additionally, all drivers in South Dakota will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in South Dakota.
The minimum bodily injury liability insurance requirements in South Dakota are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that South Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons.
Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liability insurance requirements in South Dakota are:
Property damage liability coverage pays for any property that you damage in an accident. The state of South Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 7.7 percent, or just over one out of thirteen, South Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:
Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance. Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.
Headquartered in Pierre, the South Dakota DMV offers teen driver permits, driver’s licenses, vehicle registration and titles, motorcycle and CDL licenses, accident records, and other crucial services that keep South Dakota drivers insured, licensed, informed, and safe. You can often renew your driver’s license online or visit a location throughout the state.
South Dakota contracts with transit providers to offer transportation in various regions of the state. Aberdeen, Rapid City, Mitchell, Sioux Falls, and a handful of other hubs have their own city transit. Rosebud and Standing Rock operate bus systems as well.
Cheap car insurance is a game of numbers. To find the lowest insurance premiums for your situation, you have to discover who has the discounts that best match your desired coverage options with your driving history, credit score, and other attributes.
You’ll find the best rates on insurance coverage available to you if you get car insurance quotes from as many insurance companies as you can. That’s what Insurify does for you, for free, in only a few minutes. Try it and join the millions Insurify has helped save on car insurance.
Yes. South Dakota drivers are required to carry minimum liability insurance: $25,000 in bodily injury liability per person ($50,000 per accident) and $25,000 in property damage liability per accident. Underinsured/uninsured motorist coverage is also part of minimum coverage for every insurance policy.
The way to find the cheapest car insurance in the Mount Rushmore State is to get all the car insurance quotes you can find from as many insurance providers as you can manage. It’ll give you the best chance of matching the most discounts with the particularities of your driving history, credit score, marital status, and other attributes. To do that, we recommend Insurify.
It always depends on your situation, not to mention your deductible, coverage limits, and whether you need minimum coverage or a full-coverage car insurance policy. But on average, South Dakota car insurance rates are lower than the national average.
Having a checkered driving history with at-fault accidents or DUIs along with speeding tickets makes it harder to find cheap car insurance in South Dakota. Cities are a bit more expensive, but location doesn’t matter so much. As always, minimum coverage is more affordable than a full-coverage policy, and the cheapest auto insurance goes to drivers with clean driving records.
Personal injury protection (PIP) coverage is not part of minimum coverage in South Dakota. This makes a full-coverage policy that includes collision coverage even more beneficial because with only liability coverage, you’re on the hook for all your medical payments if you’re hurt in an at-fault accident.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in South Dakota below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how South Dakota drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in South Dakota
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. South Dakota is the #21 state in the country for drivers with an at-fault accident on their driving record.
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. South Dakota is the #15 state in the country for drivers with a speeding ticket on record.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. South Dakota is the #4 state in the country for drivers with a prior drunk driving conviction.
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. South Dakota is the #6 state in the country for drivers with a rude driving violation on record.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. South Dakota is the #6 state in the country for drivers with a reckless driving offense on record.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. South Dakota is the #25 state in the country for drivers with a failure to yield violation on record.
Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; South Dakota is the #40 state in the country for drivers with a clean record.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. South Dakota drivers rank #20 in hybrid and electric vehicle ownership across all fifty states.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.