Cheapest Auto Insurance in South Dakota (2024)

In South Dakota, drivers pay an average of $64 per month for liability-only car insurance.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
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  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated May 29, 2024

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Cheapest recent rates in South Dakota

Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $67/mo for full coverage in South Dakota.

*Quotes generated for Insurify users from South Dakota within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from South Dakota within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

South Dakota has an expansive landscape of hills, plateaus, plains, and mountains. Not a densely populated state, South Dakota has about 12 people per square mile, which may explain why car insurance is affordable there.[1] The average monthly cost of full-coverage auto insurance is $175, compared to the national average of $215, according to Insurify data.

Drivers in the Coyote State can find the cheapest car insurance options through Safeco, Bristol West, and CSAA. Insurers look at a range of factors when determining your insurance premiums, including your age, marital status, and driving record.

Here’s what you should know about finding cheap coverage in South Dakota.

Quick Facts
  • The average premium for liability-only coverage is $64 per month, compared to the national average of $104.

  • Auto insurers in South Dakota can consider your credit history when determining your premium.[2]

  • Because South Dakota is an at-fault state, the driver who caused the accident is responsible for covering the other driver’s vehicle damage and bodily injury.

3 of the cheapest car insurance companies in South Dakota 

The right car insurance company for you will vary based on the factors of your unique situation. However, some of the best car insurance companies in South Dakota consistently offer affordable auto insurance rates to drivers.

Shopping around to compare quotes on your own is always a good idea. But consider starting your search by learning about some of the most affordable South Dakota car insurance companies.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco4.2$113N/AFull-coverage insurance
Dairyland3.5$185$62High-risk drivers
Bristol West2.6$202$76Liability-only coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full-coverage insurance: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
808
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$95/mo

On average, Safeco, a Liberty Mutual company, offers the most affordable full-coverage insurance premiums to South Dakota drivers. In addition to reasonable rates, safe drivers can earn cash back for claims-free periods. And if you do need to file a claim, Safeco will connect you via its Guaranteed Repair Network to get your vehicle repaired as soon as possible.

Pros
  • Cash back for claims-free periods

  • Wide range of car insurance products

Cons
  • Very low customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study

  • Poor customer reviews

Read our Safeco review
Jennetta - May 19, 2024
Verified

Too High for Three Years Without a Claim and Only 5000 Miles of Local Driving

Search around, it's much too high.

Jonathan - May 19, 2024
Verified

The Moment You Have an Accident, Start Looking for a New Insurance Company

The experience was absolutely great until they decided not to renew my policy due to an accident. I felt so betrayed by a company that I had been using for over 5 years.

Samuel - May 13, 2024
Verified

Unfortunate Recent Experience with Safeco

I wouldn't recommend them. They keep increasing your premiums every year. Last time, they cited inflation as the reason, the time before that it was due to RVs, and the time before that because the Dodgers were high.

Best insurer for high-risk drivers: Dairyland

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$196/mo

Dairyland offers relatively affordable liability-only coverage premiums and regularly works with high-risk drivers. The company doesn’t advertise any discounts. Unlike many companies, Dairyland doesn’t typically charge high-risk drivers an SR-22 filing fee.

Pros
  • Good customer reviews

  • No SR-22 filing fee

Cons
  • Relatively high full-coverage premiums

  • No advertised discounts

Read our Dairyland review
Larry - May 27, 2024
Verified

Good at Collecting Money, Otherwise Not Much Seen

So far, they've been good at collecting money from me. I haven't made any claims yet, so I don't have any experience with that. My biggest issue at this point is that when I started my car insurance (full coverage in January 2023), I started at an average of $157.00 per month (or $942 every 6 months). Starting in July 2023, my premium went up by $100.00 (to $1042 every 6 months), which increased my monthly payment by about $20.00. The exact same thing happened in January 2024, with another $100.00 increase for January to June, and a $20.00 per month increase. When I called them, they claimed it was due to a state minimum increase. However, my sister, who has been with Dairyland for close to 20 years, hasn't seen much, if any, increase. For context, she is 52, married, has two cars with full coverage, and I am single, 54, with one car. Our premiums are currently similar after the July 2023 increase, with hers being slightly cheaper. If Dairyland increases my premium again, I will be dropping them. My experience so far has been with a bunch of greedy thieves. I have no claims, no tickets, and a $100.00 increase every 6 months is simply unacceptable.

Mochael - May 21, 2024
Verified

Dairyland and I agreed on a liability-only policy at a rate of $209 per month. I provided them with all my information, including both at-fault and not-at-fault incidents, as well as tickets. Then, I received a text message stating they were going to withdraw $368 from my account due to an at-fault accident. I had already informed them about this accident when we agreed on the premium. They had all my information when we settled at $209 a month. Now, they want to raise my rate after I've given them all my information. I've since canceled my policy with them and moved on.

Dairyland and I agreed on a liability-only policy at a rate of $209 per month. I provided them with all my information, including both at-fault and not-at-fault incidents, as well as tickets. Then, I received a text message stating they were going to withdraw $368 from my account due to an at-fault accident. I had already informed them about this accident when we agreed on the premium. They had all my information when we settled at $209 a month. Now, they want to raise my rate after I've given them all my information. I've since canceled my policy with them and moved on.

James - May 14, 2024
Verified

Very Pleased

I haven't had any problems. I've made no claims. I received the renewal policy at a lower rate than expected, well in advance of the renewal date. I'm unlikely to change.

Best insurer for liability-only coverage: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.6
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$75/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$201/mo

Part of the Farmers Insurance Group, Bristol West offers the lowest average minimum-coverage car insurance premiums to South Dakota drivers. The company commonly works with high-risk drivers, explicitly stating a willingness to work with drivers who have poor credit, no credit, or a DUI on their motor vehicle record.

Pros
  • Reputation for working with high-risk drivers

  • Ample coverage options

Cons
  • Higher-than average number of complaints, according to the National Association of Insurance Commissioners

  • Limited selection of discounts

Read our Bristol West review
Kristen - May 28, 2024
Verified

Bristol West: A Good Insurance to Have

I've had Bristol West for a few years and they have done a great job. However, due to a claim and someone else trying to make a claim on my insurance, it's time to renew and it's just too high for me right now. Despite this, I recommend them to everyone who is looking for insurance. I wish I could keep them myself.

Tami - May 27, 2024
Verified

Meh

It's not the best, but it's the cheapest I've found considering the issues on my Lexis Nexis.

Anthony - May 21, 2024
Verified

Too Expensive

It's too expensive, but they do have good customer service.

How to get the cheapest car insurance in South Dakota

Cheap car insurance is a top priority for most drivers. If you want to avoid overpaying for this necessary expense, implement the strategies below while searching for the right insurer.

  • Shop around. Every insurance company has a slightly different method of determining rates. You can find the lowest cost for you by shopping around for coverage from multiple insurers.

  • Ask for a discount. Many auto insurance companies offer numerous discount options. Some common discounts reward loyal customers, safe drivers, military members, and good students. It never hurts to ask if you qualify for any insurance discounts.

  • Raise your deductible. A higher collision or comprehensive deductible tends to result in lower insurance premiums. Don’t increase your deductible unless you can afford to cover it unexpectedly.

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Cheapest liability-only car insurance in South Dakota

Liability-only auto insurance covers property damage and bodily injury you cause to others during an accident. For example, after an at-fault accident your liability insurance policy might help you pay for the other driver’s repair costs or medical bills.

Since liability-only car insurance is the minimum amount of coverage you need to buy, it often comes with cheaper premiums. But after an at-fault accident, you’ll have to pay to repair your own vehicle if you don’t have additional coverage.[3]

On average, drivers living in South Dakota pay $64 per month for liability-only policies. You can find the cheapest car insurance options for liability coverage in South Dakota below.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Safeco61
Dairyland63
CSAA72
Bristol West75
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in South Dakota

A full-coverage car insurance policy offers more financial protection than liability-only coverage. In addition to liability coverage, full-coverage policies also include comprehensive and collision insurance. After an accident or other type of incident, your insurer will help you cover repairs to your own vehicle.

Most drivers with an auto loan or lease might need to carry full coverage, per lender requirements. However, the increased coverage for your vehicle can offer financial security and vehicle protection for all drivers — especially people with new or high-value vehicles. South Dakota drivers pay a monthly average of $175 for full coverage.

The table below lists the cheapest rates for full-coverage car insurance in South Dakota.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Safeco95
Midvale Home & Auto98
CSAA146
Dairyland196
Bristol West201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in South Dakota

South Dakota drivers must carry a minimum amount of car insurance. It’s illegal to operate your vehicle on public roadways without the necessary liability and underinsured/uninsured motorist coverage.[4] South Dakota is an at-fault state, which means drivers responsible for an accident must cover the costs of resulting damage and injury.

Below, you can find the specific minimum-coverage requirements based on state law.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist$25,000 per person / $50,000 per accident

If you want more protection than the bare minimum amount of coverage offered, consider the following common optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    After a car accident with another vehicle or if you hit an object like a tree or light pole, collision coverage kicks in to help you pay to repair or replace your vehicle. It also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This coverage helps you pay for damages to your vehicle from a non-collision incident. For example, it typically covers damage from fire, vandalism, theft, cracked windshields, or severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments

    Following an auto accident, this coverage can pay for medical and funeral expenses for you and your passengers who experience bodily injury. This coverage applies regardless of fault.

Cheapest car insurance for drivers with an incident

When you make a mistake on the road, the incident can have a big effect on your car insurance costs. Most drivers who have an incident on their driving record — including a speeding ticket, driving under the influence (DUI) charge, or an at-fault accident — tend to pay more for car insurance than drivers with a clean record.[5]

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Cheapest car insurance for drivers with a speeding ticket

When you get a speeding ticket, you’ll typically need to pay a fine. A speeding ticket on your driving record can also lead insurance companies to view you as a higher-risk driver than before. With that new red flag, most drivers with speeding tickets tend to pay higher auto rates for three to five years. The frequency and severity of any recorded tickets can also influence specific increases.

For South Dakota-based drivers with a speeding ticket on their record, liability only and full coverage policies cost a monthly average of $108 and $295, respectively. Here are the cheapest average monthly quotes for South Dakota drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Safeco6188
Dairyland6390
CSAA72105
Bristol West75106
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

An at-fault auto accident can represent a greater likelihood of having another accident and filing future claims. Insurance companies tend to account for this possibility by increasing auto insurance premiums for drivers with one or more recorded at-fault accidents for three to five years. But accident forgiveness coverage can help keep your rate from increasing after an accident, provided you bought it before something happened.

Drivers in South Dakota with an at-fault accident on their record pay a monthly average of $108 for liability-only policies and $295 for full-coverage insurance. Here are the cheapest average monthly quotes for South Dakota drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
Safeco6186
Dairyland6392
CSAA72110
Bristol West75108
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Due to the severity of a moving violation like a DUI, drivers usually face significantly higher car insurance premiums. Not only do drivers with a DUI tend to pay more for insurance than drivers with a clean record, but they also typically pay more than drivers with less serious offenses like a speeding ticket or minor accident. A DUI may even cause your insurer to cancel your policy mid-term, or choose not to renew it at the end of your current term.

South Dakota drivers with a DUI violation pay an average of $121 for liability coverage and $330 for full-coverage car insurance, per month. You can find the cheapest average monthly quotes for South Dakota drivers with a DUI below.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
Safeco61109
Dairyland63112
CSAA72128
Bristol West75134
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Most insurance companies take your age into account when determining your insurance premiums. Drivers typically benefit from decreasing car insurance rates after the age of 25, but average rates start to increase a bit for people around the age of 70. Senior drivers may face increased rates due to higher risk of accidents.[6]

South Dakota senior drivers pay a monthly average of $41 for liability-only insurance and $111 for full coverage.

Taking the time to shop around for car insurance from multiple insurers can help you lock in the lowest rates. Here are some of the cheapest average monthly quotes for South Dakota senior drivers.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
Safeco6743
CSAA10049
Dairyland13844
Bristol West14253
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teenage drivers tend to face the highest car insurance costs by age group due to a lack of experience driving and higher accident rates. Insurance companies usually compensate for this risk with higher auto premiums.

Though young drivers can expect relatively high rates, you can earn savings in a few ways. Consider cutting your insurance costs by choosing to drive a safe vehicle, increasing your insurance deductible, getting coverage from your parents’ insurance company, and maintaining good grades.[7] If you're younger than 18, you won't be able to buy your own policy without the written consent of a parent or guardian.

For teen drivers in South Dakota, liability-only coverage costs a monthly average of $109, while full-coverage car insurance costs an average of $299 per month. You can begin your search for the cheapest rates by comparing the average monthly quotes for South Dakota teen drivers below.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company Full CoverageLiability Only
Safeco194125
CSAA233115
Dairyland320103
Bristol West333124
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

South Dakota car insurance quotes by credit tier

South Dakota insurance companies can use your credit history when determining premiums. Though other factors also affect your rates, drivers with an excellent or good credit score typically pay less for car insurance than drivers with a fair or poor credit score.

If you need to work on improving your credit score to pay less for car insurance, review your credit report for mistakes and make sure you pay all your bills on time.

Below, you can find the average monthly full-coverage car insurance premium by credit tier in South Dakota.

Rates by Credit Tier

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

You don’t need to feel overwhelmed when deciding how much coverage you need and what insurer to choose in South Dakota. The following information should help you navigate the process of buying auto coverage in the state.

  • How much is car insurance in South Dakota?

    South Dakota drivers pay, on average, $175 per month for full-coverage car insurance, and $64 monthly for liability-only coverage. Your rates may be more or less than the state average, depending on many factors, including your age, gender, driving record, and vehicle.

  • What are the best car insurance companies in South Dakota?

    The best car insurance company in South Dakota is State Auto, due to its Insurify Quality (IQ) Score of 3.8 out of 5 and a below-average number of customer complaints on the NAIC complaint index. Other top insurers in the state include Safeco and CSAA.

  • Is car insurance cheaper in South Dakota?

    Average South Dakota car insurance costs are cheaper than national averages. Rates are also lower than in neighboring states like Minnesota and Nebraska, where full coverage costs $204 per month, and $222, respectively.

  • Is it illegal to drive without insurance in South Dakota?

    Yes. Driving without insurance in South Dakota is illegal. South Dakota residents must purchase a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "Quick Facts South Dakota."
  2. South Dakota Office of Attorney General. "Credit Reporting."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. South Dakota Department of Labor & Regulation. "Automobile Insurance."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Centers for Disease Control and Prevention. "Older Adult Drivers."
  7. Insurance Information Institute. "Auto insurance for teen drivers."
Sarah Sharkey
Sarah SharkeyInsurance 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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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