Who Has the Cheapest Car Insurance Quotes in South Dakota?

Find Cheap Auto Insurance Quotes in Your Area

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The average cost of a minimum coverage car insurance policy in South Dakota is $420 per year, or $35 per month.

Cheapest car insurance companies in South Dakota

The cheapest minimum-coverage car insurance quotes in South Dakota are offered by:

  • American Family
  • State Farm
  • Farm Bureau
This graph shows the three cheapest auto insurance companies in South Dakota compared to the state average.
This graph shows the three cheapest auto insurance companies in South Dakota compared to the state average.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
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These three auto insurance companies have average car insurance rates of $335 per year, or $28 per month—which is 20% cheaper than the South Dakota average.

The auto insurers with the most expensive quotes in South Dakota were:

  • Farmers
  • Progressive
  • Auto-Owners

In South Dakota, these companies had an average annual quote of $572, or 36% more than the state average.

RankInsurerCar insurance quote
1American Family$306
2State Farm$318
3Farm Bureau$382
4Auto-Owners$395
5Progressive$409
6Farmers$913
NAUSAA$220

Minimum-coverage auto insurance policies meet South Dakota's minimum state legal requirements. Unlike full-coverage policies, minimum-coverage doesn't include comprehensive and collision insurance.

Collision and comprehensive insurance protects your car from damage as a result of a collision, theft, vandalism or natural disaster—regardless of who's at fault.

Although minimum-coverage usually costs less, purchasing lower liability coverage limits and forgoing comprehensive and collision coverage risks insufficient protection following an accident.

The average difference in cost between full- and minimum-coverage car insurance in South Dakota is $1,917 per year, or $160 per month, in savings.

Cheapest full-coverage auto insurance in South Dakota

The cheapest full-coverage auto insurance companies in South Dakota are:

  • State Farm: $1,282
  • American Family: $1,776
  • Farm Bureau: $2,074

These three carriers were the most affordable in South Dakota for full coverage, offering quotes of $1,711 on average, or 27% less than the state average of $2,338.

The insurance companies with the most expensive auto quotes for full coverage in South Dakota are:

  • Farmers: $4,351
  • Auto-Owners: $2,963
  • Progressive: $2,607

Comprehensive and collision coverages are included in full-coverage policies and reimburse damage to your car following most accidents, thefts, natural disasters and vandalism.

Cheapest full-coverage auto insurance in South Dakota with a prior accident

South Dakota drivers with an accident on their driving record may be able to find cheap full-coverage car insurance quotes at State Farm, American Family and Auto-Owners.

These three insurers offer average annual rates of $2,442 per year, or 23% cheaper than the South Dakota average of $3,133, for full coverage policies with a prior accident history.

RankInsurerQuote before accidentQuote after accidentDifference
1State Farm$1,282$1,447$165
2American Family$1,776$2,916$1,140
3Auto-Owners$2,963$2,963$0
4Farm Bureau$2,074$2,991$917
5Progressive$2,607$4,062$1,455
6Farmers$4,351$5,860$1,509
NAUSAA$1,309$1,694$385
Quotes are for an accident costing $2,000 worth of property damage.

Having a single accident on your driving record can increase your auto insurance quotes substantially.

Auto-Owners, however, distinguished itself by not penalizing drivers with a prior accident.

The annual difference in car insurance quotes in South Dakota for a full-coverage policy with no accident history versus a plan with one accident was $796.

Accident historyAnnual rate
No accidents$2,338
One accident$3,133

Best car insurance companies in South Dakota

Customer service is an important part of evaluating the quality of an insurance policy. The best auto insurers for service in South Dakota are:

  • Auto-Owners
  • Farmers
  • State Farm

Customers filed fewer complaints with these insurers than others relative to their market share.

RankInsurerComplaint ratio
1Auto-Owners0.23
2Farmers0.46
3State Farm0.57
4Farm Bureau0.66
5American Family0.69
6USAA0.84
7Progressive0.94

To find the best-rated auto insurance companies in South Dakota, we looked at the complaint ratios for the largest companies in the state, using data from the National Association of Insurance Commissioners (NAIC).

A complaint ratio measures how many complaints each company receives per premiums earned and is an indication to us of how good a carrier's customer service and satisfaction are.

The lower the ratio, the fewer complaints a company received relative to its share of premiums underwritten indicating better service.

Minimum auto insurance requirements in South Dakota

Drivers in the state of South Dakota are required to carry auto insurance. While there is a minimum amount of required coverage, South Dakota residents also have the option to purchase additional coverage or higher limits.

Below we've included the required minimum coverage limits for South Dakota drivers.

  • Bodily injury liability insurance: $25,000 per person/ and $50,000 per accident
  • Property damage liability insurance: $25,000 per accident

By getting minimum coverage, you would be able to dramatically reduce the cost of your policy. However, full-coverage auto insurance may be more appropriate for some drivers.

We recommend South Dakota drivers consider higher liability limits, as well as comprehensive and collision coverage. Minimum-coverage plans may not be enough to fully cover the cost of damage in an expensive accident or protect any damage caused to your automobile.

Cheap car insurance in South Dakota by city

Your best car insurance quotes in South Dakota differ depending on where you live in. Typically, however, the cheapest auto insurers in South Dakota cities for a full-coverage policy are:

  • State Farm
  • American Family
  • Farm Bureau

Current or former members of the U.S. armed forces and their families may qualify for even lower car insurance rates with USAA, which only provides policies to these customers.

Your actual rates will differ based on factors such as past driving history, your vehicle and the amount of liability coverage you need.

Here is a list of cheap car insurance companies in South Dakota's largest cities with their annual quotes for a full-coverage policy.

CityInsurerCar insurance quote
AberdeenState Farm$1,141
Farm Bureau$1,710
American Family$1,795
BalticState Farm$1,269
American Family$1,609
Farm Bureau$1,841
Belle FourcheState Farm$1,134
American Family$1,614
Farm Bureau$2,381
BeresfordState Farm$1,090
American Family$1,609
Farm Bureau$1,742
Box ElderState Farm$1,141
American Family$1,614
Farm Bureau$2,128
BrandonState Farm$1,208
American Family$1,609
Farm Bureau$1,729
BrittonState Farm$1,062
American Family$1,950
Farm Bureau$1,835
BrookingsState Farm$1,133
American Family$1,609
Farm Bureau$1,678
CantonState Farm$1,185
American Family$1,609
Farm Bureau$1,717
ChamberlainState Farm$1,444
American Family$1,795
Farm Bureau$2,206
Clear LakeState Farm$1,135
Farm Bureau$1,778
American Family$1,950
CrooksState Farm$1,259
American Family$1,609
Farm Bureau$1,765
CusterState Farm$1,229
American Family$1,614
Farm Bureau$2,403
DeadwoodState Farm$1,208
American Family$1,614
Farm Bureau$2,378
Dell RapidsState Farm$1,208
American Family$1,609
Farm Bureau$1,821
Eagle ButteState Farm$1,697
American Family$1,795
Farm Bureau$2,632
Elk PointState Farm$1,079
American Family$1,609
Farm Bureau$1,666
FlandreauState Farm$1,129
American Family$1,609
Farm Bureau$1,653
Fort PierreState Farm$1,281
American Family$1,795
Farm Bureau$2,352
FreemanState Farm$1,159
American Family$1,795
Farm Bureau$1,849
GregoryState Farm$1,398
American Family$1,795
Farm Bureau$2,287
GrotonState Farm$1,147
Farm Bureau$1,836
American Family$1,950
HarrisburgState Farm$1,210
American Family$1,609
Farm Bureau$1,772
HartfordState Farm$1,214
American Family$1,609
Farm Bureau$1,792
Hot SpringsState Farm$1,138
American Family$1,614
Farm Bureau$2,392
HuronState Farm$1,163
American Family$1,795
Farm Bureau$1,909
LeadState Farm$1,217
American Family$1,614
Farm Bureau$2,418
LennoxState Farm$1,178
American Family$1,609
Farm Bureau$1,700
MadisonState Farm$1,165
American Family$1,609
Farm Bureau$1,703
MilbankState Farm$1,152
Farm Bureau$1,786
American Family$1,950
MillerState Farm$1,184
American Family$1,950
Farm Bureau$2,137
MitchellState Farm$1,249
American Family$1,609
Farm Bureau$1,884
MobridgeState Farm$1,257
American Family$1,795
Farm Bureau$2,150
ParkstonState Farm$1,165
American Family$1,795
Farm Bureau$1,917
PierreState Farm$1,281
American Family$1,795
Farm Bureau$2,007
PlatteState Farm$1,219
American Family$1,795
Farm Bureau$2,039
RedfieldState Farm$1,269
American Family$1,795
Farm Bureau$1,978
SalemState Farm$1,195
American Family$1,609
Farm Bureau$1,845
Sioux FallsState Farm$1,317
American Family$1,508
Farm Bureau$1,848
SpearfishState Farm$1,173
American Family$1,614
Farm Bureau$2,397
SpringfieldState Farm$1,099
American Family$1,795
Farm Bureau$2,006
SturgisState Farm$1,162
American Family$1,614
Farm Bureau$2,204
TeaState Farm$1,155
American Family$1,609
Farm Bureau$1,702
VermillionState Farm$1,054
American Family$1,609
Farm Bureau$1,711
VolgaState Farm$1,126
American Family$1,609
Farm Bureau$1,699
WagnerState Farm$1,138
American Family$1,795
Farm Bureau$1,933
WatertownState Farm$1,085
American Family$1,609
Farm Bureau$1,664
WebsterState Farm$1,125
Farm Bureau$1,841
American Family$1,950
WinnerState Farm$1,399
American Family$1,795
Farm Bureau$2,316
YanktonState Farm$1,109
American Family$1,609
Farm Bureau$2,104

We always recommend drivers compare at least three quotes from insurers. To help you find good auto rates in South Dakota, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Sioux Falls, South Dakota

  • Average annual auto insurance quote in Sioux Falls = $2,085
  • 11% cheaper than South Dakota average

For cheap auto insurance quotes in Sioux Falls, we recommend State Farm, American Family and Farm Bureau, which on average, quoted $1,558 per year, or 28% less than the Fargo average.

Cheap car insurance in Aberdeen, South Dakota

  • Average annual auto insurance quote in Aberdeen = $2,054
  • 12% cheaper than South Dakota average

Aberdeen's rates were slightly cheaper than the South Dakota average. However, it's still important to compare quotes: The most expensive insurer offered quotes 3.4 times the cost of that of the cheapest.

Cheap car insurance in Brookings, South Dakota

  • Average annual auto insurance quote in Brookings = $2,039
  • 13% cheaper than South Dakota average

Car insurance costs in Brookings were slightly cheaper than the South Dakota state average, though motorists can still benefit from comparing rates from several companies. The most expensive insurer in our analysis, Farmers ($3,957), cost $2,824 more per year than the cheapest carrier, State Farm ($1,133).

Cheap car insurance in Watertown, South Dakota

  • Average annual auto insurance quote in Watertown = $1,961
  • 16% cheaper than South Dakota average

Choosing a policy from the cheapest auto insurer in Watertown, State Farm ($1,085), could save you nearly $900 annually relative to the city average. Remember to get multiple quotes, as rates offered could differ depending on your specific driver profile.

Cheap car insurance in Mitchell, South Dakota

  • Average annual auto insurance quote in Mitchell = $2,131
  • 9% cheaper than South Dakota average

For the cheapest coverage in Mitchell, we recommend that drivers obtain several quotes. The three cheapest insurers in Mitchell, for example, offered a 26% discount to the city average.

Average cost of car insurance in South Dakota

The average cost of full-coverage car insurance in South Dakota is $2,338 per year, or $195 per month.

The cheapest cities in South Dakota for full coverage are:

  • Watertown
  • Flandreau
  • Vermillion

The most expensive South Dakota cities for full coverage are:

  • Eagle Butte
  • Custer
  • Hot Springs

Where you live is a major factor in determining auto insurance rates. South Dakota cities are ranked from those with the cheapest auto insurance rates to the most expensive per year.

RankCityCar insurance quote
1Watertown$1,961
2Flandreau$1,994
3Vermillion$2,007
4Brandon$2,015
5Elk Point$2,017
6Beresford$2,021
7Volga$2,029
8Tea$2,037
9Brookings$2,039
10Lennox$2,042
11Madison$2,046
12Dell Rapids$2,046
13Aberdeen$2,054
14Canton$2,054
15Hartford$2,060
16Crooks$2,068
17Salem$2,075
18Harrisburg$2,077
19Sioux Falls$2,085
20Baltic$2,089
21Groton$2,114
22Clear Lake$2,117
23Mitchell$2,131
24Milbank$2,135
25Huron$2,143
26Freeman$2,144
27Webster$2,146
28Britton$2,150
29Redfield$2,177
30Parkston$2,178
31Springfield$2,197
32Yankton$2,213
33Wagner$2,241
34Miller$2,297
35Platte$2,312
36Pierre$2,333
37Mobridge$2,359
38Box Elder$2,408
39Chamberlain$2,464
40Spearfish$2,508
41Belle Fourche$2,517
42Fort Pierre$2,522
43Deadwood$2,542
44Sturgis$2,551
45Lead$2,552
46Gregory$2,579
47Winner$2,600
48Hot Springs$2,629
49Custer$2,687
50Eagle Butte$2,748

Methodology

We collected auto insurance quotes for South Dakota cities from seven auto insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum state legal requirements in South Dakota.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only—your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.