Cheap Auto Insurance Quotes in South Dakota (2021)

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East River City dwellers and West River nature lovers can both save on car insurance.

The breathtaking beauty of Black Hills National Forest, Black Elk Wilderness, and the Badlands give South Dakota’s 900,000 residents reasons to drive to the great outdoors. But before you hop in the car to explore or exercise your second amendment rights on coyotes, please remember to brake for bison, swerve through cattle, and get the best rate on your car insurance.

Cheapest Car Insurance in South Dakota

Here are the cheapest carriers in South Dakota for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in South Dakota.

Best Car Insurance in South Dakota

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in South Dakota. For the complete list, see Insurify's best car insurance companies.

Car Insurance in South Dakota

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in South Dakota to find you the cheapest quotes in each of these metropolitan areas.

Sioux Falls is the most populous city in South Dakota. It recently earned the honor of being the safest driving city in the state, as judged by Insurify.

CityCheapest CarrierQuote
AllstateAllstate
$46/mo
ProgressiveProgressive
$40/mo
AllstateAllstate
$48/mo
AllstateAllstate
$46/mo
State FarmState Farm
$51/mo
State FarmState Farm
$58/mo
ProgressiveProgressive
$40/mo
ProgressiveProgressive
$33/mo
ProgressiveProgressive
$32/mo
State FarmState Farm
$48/mo
ProgressiveProgressive
$29/mo
ProgressiveProgressive
$31/mo
AllstateAllstate
$50/mo
ProgressiveProgressive
$23/mo
State FarmState Farm
$46/mo

South Dakota Driving Facts

Minimum Car Insurance Requirements in SD

The state of South Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in South Dakota are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

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:

  • $25,000 property damage liability per accident

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:

  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident

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.

south-dakota

Cheapest Car Insurance Quotes in South Dakota by Profile

Here are the cheapest insurance companies in South Dakota based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For South Dakota drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressvie offers the best options for good drivers in South Dakota, at $23 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Progressvie
$23/mo
State Farm
$36/mo
Allstate
$43/mo
GEICO
$90/mo
The General
$131/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
State Farm
$25/mo
Western National
$27/mo
Progressvie
$28/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
Buckeye
$14/mo
Auto Owners
$26/mo
USAA
$27/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
Buckeye
$13/mo
USAA
$21/mo
Farmers
$28/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of South Dakota, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Buckeye offers the cheapest car insurance rates for young drivers, averaging $13 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, South Dakota 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young South Dakotans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
Buckeye
$13/mo
USAA
$17/mo
Dakota Farmers Mutual
$19/mo

SR‌-22 Insurance in South Dakota

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of South Dakota on your behalf.

SD DMV Information

The South Dakota Department of Public Safety (DPS) has 57 driver’s license locations (DLLs) and exam stations to serve the state. They all have different hours and day of the week availability. You’ll want to check on the website for the most up-to-date schedule. The DLLs are walk-in-friendly, and you can schedule an appointment online to skip the line. 

The online portal lets you forget the drive and, amongst other services, you can:

  • Check your driving status
  • Get your driving record
  • Print a seller’s permit
  • Purchase vanity license plates
  • Renew your driver’s license, ID card, vehicle registration/decals, and license plate
  • Schedule a driving test

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in South Dakota

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of South Dakota offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Rapid City

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Sioux Falls

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Sioux Falls won Insurify's Most Patriotic Cities Award for the state of South Dakota.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in South Dakota is vital for all car insurance shoppers hitting the road in The Mount Rushmore State.

road with cars illustration

Road Rankings

14%Rural Roads in
Poor Condition

#14
Ranked

20%Structurally Deficient
Rural Bridges

#2
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#7
Ranked


FAQs - South Dakota Car Insurance

What happens if I get caught driving uninsured in South Dakota?

The penalties in South Dakota can be harsh. If you get caught, you can be fined from $100 to $500. You’ll be charged with a Class 2 misdemeanor, and you might have to serve 30 days in jail. Your license will be suspended from 30 days to a year. You must pay between $78 and $228 in reinstatement and other fees. You also must maintain an SR-22 filing for three years, or the state will suspend your registration, driver’s licenses, and license plates.

How is fault assigned after a car accident in South Dakota?

South Dakota is an at-fault state, not a no-fault state like North Dakota. In South Dakota, the person responsible for the accident pays for medical expenses and damages. In a no-fault state, the insurance provider pays legitimate claims regardless of fault.

Does car insurance cover flood damage in South Dakota?

Before you sandbag for you and the neighbors, you’ll be happy to know your comprehensive coverage protects your vehicle. You still must pay a deductible before any coverage applies, but you are protected.

Who has the cheapest car insurance in South Dakota?

The best way to find the cheapest car insurance for South Dakota drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few minutes.