Cheap Car Insurance in South Dakota (With Quotes, September 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.

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Cheapest Car Insurance in South Dakota

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:

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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:

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:

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:

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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.

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.

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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.

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:

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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:

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:

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.

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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.

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.

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