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Cheap Car Insurance in South Dakota (With Quotes, September 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen

Updated September 28, 2022

Car Insurance in South Dakota

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.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Quick Facts

  • The average cost of car insurance in South Dakota is $160 per month, or $1,918 annually.

  • Midvale Home & Auto is the cheapest provider we found in South Dakota, with average premiums of $137 per month.

  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Cheapest Car Insurance in South Dakota

How much is car insurance in South Dakota?

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 CompanyAverage Monthly Quote
Midvale Home & Auto$137
Nationwide$153
Dairyland$155
Safeco$159
State Auto$188
Acuity$207
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in South Dakota

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 CompanyAverage Monthly Quote
State Auto$64
Midvale Home & Auto$75
Dairyland$82
Safeco$84
Nationwide$158
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in South Dakota

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 CompanyAverage Monthly Quote
Midvale Home & Auto$152
Nationwide$153
Safeco$178
Dairyland$207
Acuity$211
State Auto$221
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in South Dakota

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 CompanyICSThe 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.Average Monthly Quote
Nationwide89$153
Safeco86$159
State Auto76$188
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

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.

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South Dakota Car Insurance Rates by Driving and Accident History

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

Cheap Car Insurance for Good Drivers in 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 CompanyAverage Monthly Quote
Midvale Home & Auto$118
Safeco$140
Dairyland$143
State Auto$147
Nationwide$149
Acuity$211
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in South Dakota

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 CompanyAverage Monthly Quote
Dairyland$128
Midvale Home & Auto$129
Safeco$173
Nationwide$312
State Auto$332
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance South Dakota

SR-22 Insurance in 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:

Cheap Car Insurance for Drivers with an At-Fault Accident in South Dakota

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 CompanyAverage Monthly Quote
Nationwide$179
Dairyland$201
Midvale Home & Auto$204
Safeco$216
Acuity$217
State Auto$253
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in South Dakota

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 CompanyAverage Monthly Quote
Nationwide$178
Acuity$178
Midvale Home & Auto$178
Dairyland$192
Safeco$209
State Auto$289
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

South Dakota Car Insurance Rates by Credit Tier

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 TierAverage Monthly Quote
Excellent$144
Good$153
Average$179
Poor$223
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance South Dakota

South Dakota Car Insurance Rates by Driver Age

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 GroupAverage Monthly Rate
Teenagers$271
Under 25$217
20s$163
30s$139
40s$143
50s$124
60s$105
70s$121
80+$135
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in South Dakota Cities

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.

CityAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

South Dakota Driving Facts

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.

Minimum Car Insurance Requirements in South Dakota

All motor vehicles operated or parked on South Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be 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[1] are:

  • $25,000 per person for bodily injury

  • $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 for uninsured/underinsured motorist bodily injury

  • $50,000 per accident for uninsured/underinsured motorist bodiliy injury

  • $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.

South Dakota DMV Information

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.

Public Transportation in South Dakota

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.

How to Get the Cheapest Car Insurance in South Dakota

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.

Frequently Asked Questions: Cheap Car Insurance in South Dakota

  • 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.

Insurify Insights

How South Dakota Drivers Measure Up

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:

Methodology

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.

ford

Ford F-Series Pickup

Most Popular Car in South Dakota

#27

State with the Most Speeding Tickets Rank

#25

State with the Moving Violations Rank

#4

State with the Most DUIs Rank

#6

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 #29 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #29
    • Percent of drivers in South Dakota with an accident: 8.3%
  • 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.

    • Rank among states: #4
    • Percent of drivers in South Dakota with a DUI: 2.7%
  • 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 #19 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #19
    • Percent of drivers in South Dakota with a reckless driving offense: 1.4%
  • 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 #19 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #19
    • Percent of drivers in South Dakota with a rude driving violation: 1.7%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. South Dakota is the #27 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #27
    • Percent of drivers in South Dakota with a speeding ticket: 8.3%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. South Dakota is the #8 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #8
    • Percent of drivers in South Dakota with a failure to yield violation: 0.3%
Insurify Insights

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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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Sources

  1. South Dakota Department of Labor and Regulation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022