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Cheap Auto Insurance in South Dakota (2023)

Drivers in South Dakota pay rates starting at $42/mo. for car insurance.

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Sarah Sharkey
Written by
Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Tanveen Vohra
Edited by
Tanveen Vohra
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Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated December 21, 2022

South Dakota residents as young as 14 can apply for a learner’s permit in the Mount Rushmore State — which may help explain why the sparsely populated state has comparatively high car insurance costs.

South Dakota drivers pay an average of $208 per month for car insurance, making it the 26th most-expensive state for car insurance. But with a population of just about 895,000 spread across 75,811 square miles, you might expect car insurance costs to be lower.[1]

If you’re looking for an affordable policy, comparing quotes from multiple providers in your area is the easiest way to find cheap car insurance options that fit your needs and budget.

Quick Facts

  • The average cost of car insurance in South Dakota is $208/mo.

  • State Farm is the cheapest provider in South Dakota, with average rates of $68/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in South Dakota: State Farm

1
State Farm logo

State Farm

Best Cheap Car Insurance South Dakota
Average Monthly Cost:
$68
Insurify Composite Score:
88

Car insurance costs vary based on how each car insurance company determines your risk as a driver. A few important factors include your driving history and vehicle type. State Farm offers South Dakota drivers the lowest rates on average, at $68 per month. Other affordable providers include Farmers and American Family. See quotes from top insurers below.

Car Insurance CompanyInsurify Composite Score (ICS)Average Monthly Quote
State Farm88$68
Farmers85$81
American Family89$90
USAA96$95
GEICO88$110
ProgressiveN/A$112
Allstate85$118
Nationwide89$126
Midvale Home & AutoN/A$145
Travelers80$171
Safeco86$179
Bristol WestN/A$205
DairylandN/A$207
State Auto76$249
CSAAN/A$344
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The Insurify Composite Score (ICS) 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.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in South Dakota

All motor vehicles operated or parked on South Dakota roadways are required to be insured. You must carry proof of insurance in your car at all times and have it available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in South Dakota are:[2]

  • $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Dakota is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury and $25,000 per accident for uninsured/underinsured motorist property damage: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Dakota, drivers are required to purchase this coverage for bodily injuries and property damage.

South Dakota DMV information

Headquartered in Pierre, the South Dakota DMV offers teen driver permits, driver’s licenses, vehicle registration and titles, motorcycle and commercial licenses, accident records, and other crucial services that keep South Dakota drivers insured, licensed, informed, and safe.[3]

Public transportation in South Dakota

South Dakota contracts with transit providers to offer transportation in various regions throughout 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.

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Tips for getting cheap car insurance in South Dakota

Car insurance is an unavoidable expense for people who own vehicles, which makes finding cheap coverage crucial. Comparing car insurance quotes from multiple insurers can help you find the cheapest insurance policy for your insurance needs. Other ways to decrease costs include bundling two or more policies, utilizing discounts, and purchasing liability-only coverage.

Liability-only vs. full-coverage insurance in South Dakota

If you live in South Dakota, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party and their car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in South Dakota by policy type.

Car Insurance CompanyLiability OnlyFull Coverage
Farmers$66$68
American Family$74$75
USAA$78$79
GEICO$90$92
Progressive$92$94
Midvale Home & Auto$74$145
Safeco$77$179
State Auto$87$249
Allstate$97$99
Dairyland$101$207
National General$124$126
Nationwide$124$126
CSAA$223$344
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your driving history affects South Dakota car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in South Dakota. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in South Dakota based on driving and accident history.

See More: High-Risk Car Insurance South Dakota

Car Insurance CompanyAverage Monthly Quote
State Farm$60
Farmers$72
USAA$84
GEICO$98
Progressive$100
Allstate$105
Midvale Home & Auto$124
National General$134
Nationwide$134
Travelers$152
Safeco$172
Bristol West$182
Dairyland$199
State Auto$213
AAA$287
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: SR-22 Car Insurance South Dakota

SR-22 insurance in South Dakota

If your driver’s license is suspended in South Dakota after a DUI or another serious offense, you’ll likely need an insurance company to file an SR-22 form on your behalf. An SR-22 is required for high-risk drivers to prove their financial responsibility to the state.[4] Some of the auto insurers offering this insurance for high-risk drivers in South Dakota are listed below.

How credit scores affect South Dakota car insurance quotes

The state of South Dakota allows insurers to consider a driver’s credit score when setting rates. Generally, people with excellent or good credit scores qualify for lower car insurance premiums than people with average or poor credit scores. Check out the table below to see the average car insurance rate associated with each credit tier.

Credit TierAverage Monthly Quote
Excellent$142
Good$168
Average$185
Poor$287
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: Bad Credit Car Insurance South Dakota

How your city affects South Dakota insurance quotes

Where you live in South Dakota greatly affects how much you pay for car insurance. People in bigger cities with more drivers on the road and higher crime rates typically pay more for auto coverage than those living in more suburban areas or small towns. Check out the table below to see what drivers are paying on average across South Dakota.

CityAverage Monthly Quote
Aberdeen$121
Box Elder$203
Brandon$95
Brookings$109
Huron$162
Madison$303
Mitchell$124
Rapid City$224
Sioux Falls$209
Spearfish$293
Sturgis$133
Tea$133
Vermillion$131
Watertown$288
Yankton$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your age affects your South Dakota car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates in South Dakota.

Age GroupAverage Monthly Rate
Teenagers$330
Under 25$253
20s$165
30s$187
40s$167
50s$157
60s$146
70s$130
80+$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for younger drivers

Drivers younger than 25, and especially teenagers, typically have the highest car insurance rates, regardless of where they live. Their relative inexperience behind the wheel contributes to higher accident rates than any other age group. Add in a driving infraction, and rates can climb significantly for teen drivers.

The following table provides insight into average monthly quotes for teen drivers with a driving infraction on their records in South Dakota.

Car Insurance CompanyAverage Monthly Cost
State Farm$247
American Family$256
Farmers$291
USAA$320
GEICO$354
Auto-Owners$299
Progressive$419
Nationwide$450
North Star$451
Allied$489
Western National$521
Allstate$560
Kemper$737
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for middle-aged drivers

As drivers age and gain more experience on the road, insurance rates typically decline. However, while middle-aged drivers typically pay less than teens for insurance, infractions like at-fault accidents, DUIs, and speeding tickets can increase car insurance rates. Check out the table below to see the impact of driving infractions on car insurance quotes for middle-aged drivers in South Dakota.

Car Insurance CompanyAverage Monthly Cost
State Farm$154
Farmers$156
American Family$174
USAA$184
Progressive$218
Auto-Owners$164
GEICO$220
Allstate$225
Western National$257
Allied$283
Nationwide$292
North Star$298
Kemper$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for senior drivers

Seniors typically have the lowest car insurance premiums due to their years of driving experience and the likelihood they’ll drive fewer miles than younger drivers who commute to jobs. The table below shows full-coverage car insurance quotes for senior drivers in South Dakota, along with quotes for senior drivers with an accident or a DUI on their records.

Car Insurance CompanyAverage Monthly Cost
State Farm$111
American Family$149
Farmers$150
USAA$166
Progressive$189
Auto-Owners$136
Allstate$216
Western National$220
GEICO$226
Nationwide$241
Allied$242
North Star$262
Kemper$344
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

South Dakota car insurance FAQs

Here are answers to some commonly asked questions about car insurance in the state of South Dakota.

  • State Farm, Farmers, and American Family offer some of the cheapest car insurance policies for South Dakota drivers. For a full-coverage policy, drivers find average monthly rates as low as $68 with State Farm, $81 with Farmers, and $90 with American Family. For young drivers, Nationwide provides the most affordable insurance options. Rates vary by insurer, driving record, credit history, age, vehicle type, coverage, and more.

    Comparing quotes from multiple auto insurers can help you find the cheapest car insurance in South Dakota.

  • Though the average monthly rate in South Dakota remains relatively low, car insurance companies factor in the state’s occasional severe weather when calculating rates. Between May and August, the western part of South Dakota typically experiences tornadoes with some level of consistency. Additionally, nearly 18% of South Dakota drivers have an incident on their driving record, according to Insurify data. The state takes third place for the rate of DUIs, eighth for rates of moving violations, and 16th for rates of speeding tickets. These violations increase premiums and may be considered by auto insurers when determining rates.

  • On average, car insurance in South Dakota costs $208 per month, but costs vary based on the factors of your unique situation, like your age, driving record, and credit history. With rates lower than the national average of $233 per month, South Dakota is the 26th-cheapest state for purchasing car insurance.

    Costs in South Dakota are higher than average premiums in the neighboring states of Iowa, Nebraska, North Dakota, and Wyoming but lower than in Montana. Rates vary over time as auto insurers react to changing market conditions related to the economy, inflation, supply chain issues, and more.

  • South Dakota drivers can find many high-quality car insurance options. The best providers have high Insurify Composite Scores (ICS) and average monthly quotes under $100. State Farm, Farmers, and American Family top the list, with ICS rankings of 88, 85, and 89, respectively. The ICS is based on customer satisfaction, financial strength, and more.

    State Farm earned an A++ rating from A.M. Best and an AA rating from Standard & Poor’s. In contrast, Farmers earned an A rating from A.M. Best, while American Family also earned an A rating from A.M. Best and an A from Standard & Poor’s.

  • No, you don’t need personal injury protection (PIP) coverage in South Dakota, since the state operates under an at-fault system. If a driver is found at fault during an accident, that person will be responsible for compensating any injured parties.

    PIP coverage helps pay for your own personal medical payments and potentially other related expenses in the aftermath of an accident. PIP coverage is typically required in no-fault states because you’ll be on the hook for your own medical costs after an accident. Depending on the plan, PIP coverage will pay for nonmedical costs, including lost wages, household expenses, and more.

  • Yes, car insurance is required in South Dakota. It’s illegal to drive without an insurance policy. The minimum liability insurance requirements for South Dakota include the following:

    • $25,000 per person and $50,000 per accident in bodily injury

    • $25,000 per accident for property damage

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

    • $25,000 per accident for uninsured/underinsured motorist property damage

    Property damage and bodily injury liability insurance cover costs the policyholder is responsible for. Uninsured/underinsured motorist coverage protects you against costs incurred from an incident with an uninsured motorist or a hit-and-run driver.[5]

  • In most states, car insurance follows the vehicle, and this trend holds true in South Dakota. If someone else were driving your vehicle during an accident, your coverage would kick in first. The driver’s insurance may apply if the claims exceed your policy limits.

    Before letting someone borrow your car, it’s important to make sure they’re a licensed driver. Not only is it illegal for someone to drive unlicensed, but it could also lead to problems for your coverage if that person were to get into an accident.

  • A full-coverage auto insurance policy in South Dakota offers significantly more protection for your wallet than a minimum-liability policy. In addition to the basic liability coverage, this type of policy includes both comprehensive and collision coverage.

    Comprehensive coverage offers protection against things like vandalism, theft, and natural disasters. Collision coverage kicks in to help pay for repair or replacement costs after an accident. The additional coverage means that full-coverage policies are often more expensive than minimum-coverage policies. Drivers looking to fully protect their vehicles benefit from choosing a full-coverage policy, but it’s not always needed.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. U.S. Census Bureau. "Quick Facts South Dakota." Accessed December 16, 2022
  2. South Dakota Department of Labor and Regulation. "Automobile Insurance." Accessed December 16, 2022
  3. South Dakota Department of Public Safety. "South Dakota Department of Public Safety." Accessed December 16, 2022
  4. South Dakota Department of Public Safety. "South Dakota Driver Licensing Information." Accessed December 16, 2022
  5. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed December 16, 2022
Sarah Sharkey
Written by
Sarah Sharkey
Linkedin

Insurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Linkedin

VP of Engineering

Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.