120+ more*Quotes generated for Insurify users from South Dakota within the last 10 days. Last updated on April 16, 2026. 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in South Dakota pay an average monthly premium of $102. That’s lower than the national monthly average of $140.
In South Dakota, liability-only coverage averages $58 per month, and full coverage averages $145.
South Dakota has low population density and fewer vehicle thefts than the annual national average, partly explaining why the state’s insurance rates are cheaper than the national average.[1] [2]
Check out the following table for South Dakota companies offering cheap car insurance for both liability and full-coverage policies, according to Insurify data.
Driver Category | Cheapest Insurance Company in South Dakota | Cheapest Monthly Quote in South Dakota |
|---|---|---|
| Overall | State Farm | $34 |
| State-minimum coverage | State Farm | $34 |
| Full coverage | State Farm | $87 |
| Drivers with a clean record | State Farm | $34 |
| After a speeding ticket | State Farm | $44 |
| After an at-fault accident | State Farm | $46 |
| After a DUI | State Farm | $46 |
| Teen/new drivers | State Farm | $68 |
| Seniors | State Farm | $26 |
| Bad credit | Farmers | $44 |
Rates average $58/mo. for liability coverage.
South Dakota requires drivers to have minimum liability car insurance. Liability insurance helps pay for injuries and damages you cause to others in an accident. However, it doesn’t cover you or your vehicle.
Drivers in South Dakota pay an average of $58 per month for liability coverage.
The following table shows some of the cheapest liability-only car insurance rates in South Dakota, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| Farmers | $38 |
| Auto-Owners | $39 |
| American Family | $40 |
| USAA | $42 |
| The General | $51 |
| GEICO | $53 |
| Allstate | $56 |
| Direct Auto | $61 |
| Bristol West | $66 |
| Nationwide | $69 |
| Safeco | $71 |
| Dairyland | $79 |
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Britney Balk
Customer Service Supervisor, Insurify
Everyone wants to save on car insurance, and buying minimum-coverage is one way to do it. But in South Dakota, minimum coverage requirements are pretty low – just $25,000 per person bodily injury and $25,000 property damage. It’s a good idea to buy more liability insurance. For example, if you cause a wreck that totals the other driver’s brand-new $45,000 car, your insurance would only pay $25,000. You’d be responsible for the remaining $20,000.
Full-coverage car insurance in South Dakota combines liability, collision, and comprehensive coverage. Collision coverage pays for damage to your vehicle if you hit another car or an object. Comprehensive coverage pays for damage to your car from sources other than a collision, like vandalism or weather damage.[3]
Full coverage in South Dakota costs an average of $145 per month.
The table below shows insurers offering cheap full-coverage in South Dakota, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| Farmers | $98 |
| Auto-Owners | $101 |
| American Family | $104 |
| USAA | $109 |
| GEICO | $138 |
| Allstate | $144 |
| Direct Auto | $148 |
| Safeco | $150 |
| CSAA | $176 |
| Nationwide | $177 |
| Bristol West | $211 |
| The General | $225 |
| Dairyland | $231 |
*Quotes generated for Insurify users from South Dakota within the last 10 days. Last updated on April 16, 2026. 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Several factors keep car insurance premiums low in South Dakota. Low population density and fewer vehicle thefts than the national average help rates stay affordable.
Comparing quotes from different insurers can help you find the coverage you need at rates you can afford. Below are some of the best car insurance companies in South Dakota.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $34/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. | $87/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Having a driving under the influence (DUI) conviction on your record can significantly increase your car insurance premiums. But State Farm offers some of the cheapest rates for drivers with a DUI in South Dakota. The company also has above-average ratings for claims and customer service in the Central region.
Large network of local agents
Above-average customer and claims satisfaction
Fewer than expected number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Low Trustpilot score
Accident forgiveness coverage not available
Gap insurance not available
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| 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. | $38/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. | $98/mo |
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
From the University of South Dakota to Augustana University, South Dakota has students all over the state. If you’re younger than 25 and a full-time student with a 3.0 GPA or higher, you may be eligible for Farmer’s good student discount. The company also offers a distant student discount if you attend school more than 100 miles from home and don’t bring a vehicle.
Fewer than expected customer complaints with the NAIC
Large network of local independent agents
Wide range of discounts available
Below-average customer and claims satisfaction ratings in the Central region
Higher rates for some South Dakota drivers
Low Truspilot score
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $40/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. | $104/mo |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Seniors make up 19% of South Dakota’s population, according to the U.S. Census Bureau. American Family offers good savings for older drivers in South Dakota. Drivers age 55 or older who complete a defensive driving course can earn a defensive driver discount. If you drive fewer than 8,000 miles annually, you can also save money with the MilesMyWay program.
Low rates for South Dakota seniors
Above-average customer and claims satisfaction ratings in the Central region
Excellent Trustpilot score
Lower AM Best Financial Strength Rating than some competitors
Poor customer ratings from the Better Business Bureau
Higher average premiums than some other insurers
South Dakota drivers usually pay less than the national average for car insurance. The average annual cost for full coverage in South Dakota was $1,775 at the end of 2025.
That said, like most states, South Dakota car insurance rates are projected to increase by the end of 2026. South Dakota’s rates are expected to increase by 0.8%. That would bring South Dakota’s average annual cost of a full-coverage policy to $1,789, according to an Insurify report.
The following graph shows how car insurance rates in South Dakota have changed over the last five years, according to Insurify data.
South Dakota law requires drivers to have minimum car insurance coverage. To drive legally in the state, you need bodily injury liability, property damage liability, and uninsured/underinsured motorist (UM/UIM) coverage.
The table below shows South Dakota’s minimum car insurance requirements.
Type of coverage | South Dakota requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| UM/UIM | $25,000 per person / $50,000 per accident |
The average cost of car insurance in South Dakota can vary between cities. Car insurance rates tend to be slightly higher in larger cities like Rapid City. Smaller cities like Sioux Falls and Aberdeen tend to have lower rates.
Below is a comparison of the average monthly rates of different cities in South Dakota, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Aberdeen | $103 |
| Rapid City | $104 |
| Sioux Falls | $110 |
South Dakota drivers with a clean driving history pay an average of $58 per month for liability car insurance. Liability insurance covers medical bills and repair costs you cause to others in an accident.
The following table highlights the cheapest liability insurance quotes for people with a clean driving record in South Dakota, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| Farmers | $36 |
| Auto-Owners | $37 |
| American Family | $39 |
| USAA | $41 |
| The General | $48 |
| GEICO | $52 |
| Allstate | $56 |
| Direct Auto | $58 |
| Bristol West | $64 |
| Nationwide | $65 |
| Dairyland | $75 |
| Safeco | $75 |
Find coverage in South Dakota starting at $34
Just over 5% of South Dakota drivers have a speeding ticket on their record. Fines for speeding in South Dakota depend on where you’re caught and how fast you were going. For instance, the fine for going 11–15 miles over the limit on an interstate highway is $138. Going 26 miles per hour or faster through a construction zone will cost you $387.[4]
South Dakota drivers with a recent ticket pay an average of $134 per month for car insurance.
The following table shows the most affordable auto insurance quotes in South Dakota for drivers with a speeding ticket, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $44 |
| Farmers | $50 |
| Auto-Owners | $52 |
| American Family | $53 |
| USAA | $56 |
| The General | $70 |
| GEICO | $71 |
| Allstate | $75 |
| Direct Auto | $79 |
| Bristol West | $85 |
| Nationwide | $92 |
| Safeco | $96 |
| Dairyland | $101 |
More than 4% of South Dakota drivers have been in a car accident. There are also more than 18,000 motor vehicle crashes reported annually in South Dakota, according to the South Dakota Department of Public Safety.[5] Some of the main contributors include failing to stay in the proper lane, speeding, and failing to yield to another vehicle.
Causing an accident can increase your insurance premium. South Dakota drivers with a recent accident pay an average of $142 per month for car insurance.
The following insurers offer some of the cheapest rates to South Dakota drivers after a car accident, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| Farmers | $52 |
| Auto-Owners | $53 |
| American Family | $55 |
| USAA | $58 |
| GEICO | $71 |
| The General | $72 |
| Allstate | $77 |
| Direct Auto | $85 |
| Bristol West | $89 |
| Nationwide | $95 |
| Safeco | $101 |
| Dairyland | $107 |
In 2025, there were 5,456 DUI arrests in the state, according to the South Dakota Office of Attorney General.[6] Alcohol also contributed to 41% of traffic fatalities in 2024, according to the South Dakota Department of Public Safety.
Just over 1% of drivers in South Dakota have a DUI conviction. A DUI can drastically increase your insurance rates. You may also have a hard time finding coverage at all.
The average car insurance cost in South Dakota for drivers with a DUI conviction is $128 per month. The table below shows liability insurance quotes for South Dakota drivers with a DUI, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| Farmers | $51 |
| Auto-Owners | $53 |
| American Family | $54 |
| USAA | $57 |
| The General | $66 |
| GEICO | $71 |
| Allstate | $75 |
| Direct Auto | $82 |
| Bristol West | $89 |
| Nationwide | $93 |
| Safeco | $102 |
| Dairyland | $106 |
If you’ve had your license suspended or revoked due to a DUI, driving without insurance, or other eligible offenses, South Dakota law may require you to file an SR-22.[7] An SR-22 proves that you meet the state’s minimum insurance requirements. South Dakota requires drivers to maintain an SR-22 for three years.
Drivers in South Dakota who require an SR-22 typically pay higher insurance premiums because companies consider them riskier to insure. On average, South Dakota drivers with an SR-22 pay $68 per month for liability coverage.
The table below shows quotes for SR-22 coverage in South Dakota, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| Farmers | $45 |
| Auto-Owners | $46 |
| American Family | $47 |
| USAA | $50 |
| The General | $60 |
| GEICO | $63 |
| Allstate | $66 |
| Direct Auto | $72 |
| Bristol West | $78 |
| Nationwide | $81 |
| Safeco | $84 |
| Dairyland | $93 |
Compare quotes from the state’s top insurers and save money today
In South Dakota, teens can get an instruction permit at age 14. If you’re younger than 18, you need to have a restricted permit for six months and meet all necessary requirements before you can upgrade to your driver’s license.[8]
Teens in South Dakota pay an average of $199 per month for auto insurance.
The table below shows the cheapest rates for teen drivers in South Dakota, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $68 |
| Farmers | $79 |
| American Family | $79 |
| USAA | $81 |
| Auto-Owners | $82 |
| The General | $95 |
| GEICO | $100 |
| Allstate | $115 |
| Bristol West | $122 |
| Direct Auto | $123 |
| Nationwide | $139 |
| Dairyland | $143 |
| Safeco | $149 |
Seniors account for 19% of South Dakota’s population. To help aging drivers stay safe on the road, South Dakota offers educational programs to refresh them on the rules of the road. In some cases, seniors might receive an auto insurance discount for participating in the course.[9]
The average car insurance rate for South Dakota seniors is $83 per month.
The table below shows the most affordable rates for senior drivers in South Dakota, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| State Farm | $26 |
| Farmers | $29 |
| Auto-Owners | $30 |
| American Family | $31 |
| USAA | $33 |
| GEICO | $41 |
| The General | $42 |
| Allstate | $44 |
| Direct Auto | $49 |
| Nationwide | $51 |
| Bristol West | $54 |
| Safeco | $60 |
| Dairyland | $65 |
South Dakota, like many states, allows insurers to use your credit history as a factor to determine your premiums.[10] Better credit may help you secure lower rates, while poor credit can increase your premium.
South Dakota drivers with poor credit pay a monthly average of $115 for car insurance.
The following table lists the cheapest car insurance quotes for drivers with bad credit in South Dakota, according to Insurify data.
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 | Average Monthly Quote |
|---|---|
| Farmers | $44 |
| American Family | $46 |
| State Farm | $47 |
| USAA | $49 |
| Auto-Owners | $56 |
| The General | $60 |
| GEICO | $62 |
| Allstate | $66 |
| Direct Auto | $71 |
| Bristol West | $77 |
| Nationwide | $81 |
| Safeco | $83 |
| Dairyland | $92 |
For more information about car insurance in the Mount Rushmore State, check out these answers to some common questions from drivers.
Liability car insurance in South Dakota costs an average of $58 per month. That said, how much you pay for car insurance depends on many factors, including your ZIP code, age, and the car you drive.
South Dakota requires drivers to have $25,000 per person and $50,000 per accident of bodily injury liability, and $25,000 of property damage liability coverage. You also need $25,000 per person and $50,000 per accident of UM/UIM coverage.
The average premium for full-coverage car insurance in South Dakota is $145 per month. However, your rates can vary based on factors such as your location in the state and your driving record.
State Farm offers the cheapest car insurance in South Dakota, with rates starting at $34 per month. That said, many factors influence how much you pay for coverage, including the car you drive and your age.
South Dakota typically has lower rates than the national average. You may pay more in dense cities like Sioux Falls because of the higher traffic. Smaller cities like Aberdeen and Sturgis usually have cheaper rates because there are fewer drivers on the road.
Yes. Several insurance companies in South Dakota offer good driver car insurance discounts, including State Farm, Farmers, and American Family. Ask your insurer what discounts you might qualify for.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
