Who Has the Cheapest Car Insurance Quotes in South Dakota? (2022)
Who Has the Cheapest Car Insurance Quotes in South Dakota? (2022)
Auto-Owners has the best cheap car insurance quotes in South Dakota, at $218 per year, or $18 per month, for minimum liability coverage.
The average cost of car insurance in South Dakota is $387 per year for minimum coverage and $1,999 for full coverage.
Cheapest car insurance in South Dakota: Auto-Owners
Auto-Owners offers the cheapest minimum-coverage car insurance quotes in South Dakota, followed by American Family and State Farm.
Find Cheap Auto Insurance Quotes in South Dakota
These three auto insurance companies have average rates of $262 per year, or $22 per month — which is 32% cheaper than the South Dakota average.
The auto insurers with the most expensive quotes in South Dakota are Progressive, Farm Bureau and Farmers. Each of these insurers charges $41 per month or more for a minimum liability policy.
Company | Annual rate | Monthly rate |
|---|---|---|
| Auto-Owners | $218 | $18 |
| American Family | $275 | $23 |
| State Farm | $292 | $24 |
| Progressive | $495 | $41 |
| Farm Bureau | $577 | $48 |
| Farmers | $624 | $52 |
| USAA | $231 | $19 |
*USAA is only available to current and former military members and their families.
Minimum-coverage auto insurance policies meet South Dakota's minimum legal requirements. Unlike full-coverage policies, minimum coverage doesn't include comprehensive and collision insurance.
Collision and comprehensive insurance protects your car from damage after a collision, theft, vandalism or natural disaster — regardless of who's at fault.
Although minimum coverage costs less, purchasing lower liability coverage limits and skipping comprehensive and collision coverage means you might not have enough to pay for all the damage after an accident.
The average difference in cost between full- and minimum-coverage car insurance in South Dakota is $1,612 per year, or $134 per month.
Cheapest full-coverage car insurance in South Dakota: State Farm
State Farm is the cheapest full-coverage car insurance company in South Dakota, with Auto-Owners and American Family with the next-cheapest quotes. These three companies are the most affordable in South Dakota for full coverage, offering quotes of $1,672 on average, or 16% less than the state average of $1,999.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,244 | $104 |
| Auto-Owners | $1,829 | $152 |
| American Family | $1,944 | $162 |
| Progressive | $2,139 | $178 |
| Farmers | $2,507 | $209 |
| Farm Bureau | $2,966 | $247 |
| USAA | $1,366 | $114 |
*USAA is only available to current and former military members and their families.
The insurance companies with the most expensive auto quotes for full coverage in South Dakota are Progressive, Farmers and Farm Bureau.
Comprehensive and collision coverages are included in full-coverage policies and cover damage to your car after most accidents, thefts, natural disasters and vandalism. Both are required for cars that are loaned or leased.
Cheapest car insurance quotes for drivers with prior incidents
In South Dakota, drivers with incidents on their record, such as speeding tickets or a DUI (driving under the influence) citation, typically receive more expensive car insurance rates. State Farm and Progressive often have the cheapest quotes for drivers without a clean record.
Find Cheap Auto Insurance Quotes in Your Area
Cheapest car insurance quotes with a ticket: State Farm
State Farm offers the best quotes for South Dakota drivers with a speeding ticket, at an average monthly cost of $110. Farm Bureau has the highest rates in the state for those with a speeding ticket on their record — $295 per month.
South Dakota drivers with a speeding ticket pay 18% higher rates for car insurance, on average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,318 | $110 |
| Auto-Owners | $1,829 | $152 |
| American Family | $2,329 | $194 |
| Progressive | $2,594 | $216 |
| Farmers | $3,323 | $277 |
| Farm Bureau | $3,537 | $295 |
| USAA | $1,585 | $132 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
State Farm gives South Dakota drivers with an accident on their driving record the cheapest full-coverage car insurance quotes, while Progressive and Auto-Owners are also affordable companies.
These three insurers offer average annual rates of $2,172 per year, or 21% cheaper than the South Dakota average of $2,746, for full-coverage policies after an accident.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,391 | $116 |
| Auto-Owners | $2,053 | $171 |
| Progressive | $3,073 | $256 |
| American Family | $3,151 | $263 |
| Farmers | $3,369 | $281 |
| Farm Bureau | $4,425 | $369 |
| USAA | $1,763 | $147 |
*USAA is only available to current and former military members and their families.
Having a single accident on your driving record can increase your auto insurance quotes by 37%, or $747 per year, on average in South Dakota.
Cheapest car insurance after a DUI: Progressive
Progressive and State Farm have the best quotes for South Dakotans after a DUI. Both companies have identical rates of $2,327 per year, 29% cheaper than the state average.
Progressive has the smallest rate increase after a DUI, just $188 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| Progressive | $2,327 | $194 |
| State Farm | $2,327 | $194 |
| Auto-Owners | $2,564 | $214 |
| Farmers | $3,248 | $271 |
| American Family | $3,582 | $299 |
| Farm Bureau | $6,043 | $504 |
| USAA | $2,765 | $230 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for drivers with poor credit: American Family
For drivers in South Dakota, American Family offers the cheapest quotes for those with a low credit score, at $245 per month, or $2,938 per year. This is 20% less expensive than the state average of $305 per month.
Poor credit does not reflect on a customer's ability to drive, but insurers have found a correlation between lower credit scores and filing more claims.
Company | Annual rate | Monthly rate |
|---|---|---|
| American Family | $2,938 | $245 |
| Auto-Owners | $3,264 | $272 |
| Progressive | $3,366 | $281 |
| Farmers | $3,495 | $291 |
| State Farm | $4,882 | $407 |
| Farm Bureau | $5,320 | $443 |
| USAA | $2,321 | $193 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: State Farm
Despite not changing rates based on marital status, State Farm is South Dakota's best option for cheap car insurance for married drivers. Some insurers offer cheaper rates to married drivers because statistically they're less likely to file claims than unmarried drivers.
Progressive offers the most robust discount we found for married drivers: $524 per year less for full coverage, a drop of 25%.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,244 | $104 |
| Progressive | $1,615 | $135 |
| Auto-Owners | $1,829 | $152 |
| American Family | $1,944 | $162 |
| Farmers | $2,238 | $187 |
| Farm Bureau | $2,865 | $239 |
| USAA | $1,214 | $101 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers: Auto-Owners
In South Dakota, Auto-Owners has the cheapest widely available minimum-coverage rates for 18-year-old drivers, at $920 per year.
For young drivers in the military or who are otherwise eligible, USAA offers the cheapest quotes. USAA's rates are 32% less than Auto-Owners and 47% less than the state average.
If you're looking for a full-coverage policy, State Farm offers the best rates for 18-year-old drivers in South Dakota, at $3,254 per year, or 36% less than the average across insurers.
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $920 | $3,834 |
| State Farm | $979 | $3,254 |
| American Family | $1,087 | $5,604 |
| Farm Bureau | $1,311 | $5,756 |
| Progressive | $2,110 | $7,547 |
| Farmers | $2,169 | $6,660 |
| USAA | $622 | $2,869 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers with a ticket: Auto-Owners
Auto-Owners is the cheapest South Dakota car insurance company we found for 18-year-old drivers with a speeding ticket because it's the only company that doesn't raise its rates at all. Its rates are 38% less than the state average. A speeding ticket increases the average rate for young South Dakota drivers by $175 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| Auto-Owners | $920 | $77 |
| State Farm | $1,086 | $91 |
| American Family | $1,177 | $98 |
| Farm Bureau | $1,562 | $130 |
| Progressive | $2,222 | $185 |
| Farmers | $2,690 | $224 |
| USAA | $764 | $64 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers after an accident: State Farm
State Farm offers the cheapest quotes for young drivers after an accident, at $100 per month, which is $552 less than the state average. Young drivers in South Dakota who have been involved in an accident pay an average of 33% more for a minimum-coverage car insurance policy.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,194 | $100 |
| Auto-Owners | $1,267 | $106 |
| American Family | $1,883 | $157 |
| Farm Bureau | $1,953 | $163 |
| Progressive | $2,346 | $196 |
| Farmers | $2,689 | $224 |
| USAA | $885 | $74 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in South Dakota
State Farm is the best-rated car insurance company in South Dakota based on our editors' review, as well as J.D. Power's Auto Claims Satisfaction Study.
Auto-Owners and Geico are also good companies. Auto-Owners has the personal touch of independent agents, along with its great rates. Geico boasts a strong online user experience and a wide range of insurance options.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 847 | A++ | |
| Auto-Owners | 845 | A++ | |
| Geico | 845 | A++ | |
| American Family | 839 | A | |
| Farmers | 848 | A | |
| Progressive | 837 | A+ | |
| USAA | 897 | A++ |
Customer service is an important part of evaluating the quality of an insurance policy. You also want confidence that an insurer will swiftly address claims if you have damages.
Average cost of car insurance in South Dakota by city
South Dakota's cheapest car insurance can be found in Pine Ridge, where the average price of full coverage is $2,547 per year. Watertown's average rate of $1,696 per year is the cheapest.
Your best car insurance quotes in South Dakota differ depending on where you live. Factors such as auto thefts and road quality can raise or lower your costs.
In many states, larger cities tend to have higher rates, but South Dakota does not follow that trend. Sioux Falls, the state's largest city, has rates 11% cheaper than average. In contrast, three cities with fewer than 4,000 people have the highest rates.
City | Average annual rate | Percent from average |
|---|---|---|
| Aberdeen | $1,764 | -12% |
| Agar | $2,067 | 3% |
| Agency Village | $1,873 | -6% |
| Akaska | $2,014 | 1% |
| Alcester | $1,728 | -14% |
Minimum auto insurance requirements in South Dakota
Drivers in the state of South Dakota are required to carry a minimum amount of coverage, though they also have the option to purchase additional coverage or higher limits.
- Bodily injury liability (BI): $25,000 per person/$50,000 per accident
- Property damage liability (PD): $25,000 per accident
- Uninsured/underinsured motorist liability (UM/UIM): $25,000 per person/$50,000 per accident
By getting minimum coverage, you can dramatically reduce the cost of your policy. However, full-coverage auto insurance may better protect most drivers.
We recommend that 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 to protect against any damage caused to your car.
Recap of the cheapest auto insurance quotes in South Dakota
- Minimum coverage: Auto-Owners
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Progressive
- Poor credit history: American Family
- Married drivers: State Farm
- Young drivers: Auto-Owners
- Young drivers after a ticket: Auto-Owners
- Young drivers after an accident: State Farm
Frequently asked questions
How much is car insurance in South Dakota?
A minimum coverage policy costs $32 per month or $387 per year in South Dakota, on average. Drivers can expect to pay $167 per month or $1,999 per year for full coverage.
Who has the cheapest car insurance in South Dakota?
Auto-Owners has the cheapest quotes for a minimum-coverage policy — it costs $18 per month or $218 per year. State Farm offers the cheapest full-coverage rate at $104 per month, or $1,244 per year.
What are the auto insurance requirements in South Dakota?
Drivers in South Dakota are required to purchase insurance with a minimum of $25,000 of bodily injury liability per person and $50,000 per accident and $25,000 of property damage liability per accident. You'll also need $25,000 of uninsured/underinsured motorist liability coverage per person and $50,000 per accident.
Methodology
We collected thousands of quotes from ZIP codes across South Dakota for the largest insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
For our minimum-coverage policy, we quoted a policy with the minimum required limits in South Dakota. The base policy for the study was a full-coverage policy:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For other rates analyses (credit score, incident and accident history and marital status), the base policy was changed to reflect the new driver. Rates for 18-year-old drivers were for minimum coverage.
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.