Best & Cheapest Car Insurance Quotes in South Dakota (2026)
Farmers Mutual of Nebraska has the cheapest car insurance in SD, at $95/mo for full coverage.
Find Cheap Car Insurance Quotes in South Dakota
Best cheap auto insurance in SD
Farmers Mutual of Nebraska, Progressive and State Farm are the cheapest companies for most people in South Dakota.
- Want full coverage? Farmers Mutual of Nebraska: $95/mo
- Only need minimum liability coverage? Progressive: $16/mo
- Want the best customer service? State Farm: $155/mo
- Have a speeding ticket? Farmers Mutual of Nebraska: $113/mo
- Caused an accident? Farmers Mutual of Nebraska: $128/mo
- Need coverage for a young driver? Farmers Mutual of Nebraska: $46/mo
- Got a DUI? Progressive: $159/mo
- Have poor credit? Farmers Mutual of Nebraska: $144/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in SD: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska (FMNE) has the cheapest full coverage car insurance in South Dakota.
- Farmers Mutual of Nebraska costs an average of $95 per month for full coverage. That's less than half the South Dakota state average.
- Progressive also offers affordable rates for full coverage car insurance in South Dakota. The company charges an average of $131 per month, which is $65 per month cheaper than average.
- State Farm may be the best option if you're looking for reliable customer service. The company gets great reviews and charges an average of $155 for full coverage in South Dakota.
Find Cheap Car Insurance Quotes in South Dakota
Cheapest full coverage South Dakota car insurance rates
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $95 |
| Progressive | $131 |
| State Farm | $155 |
| Nationwide | $211 |
| USAA* | $75 |
*USAA is only available to current and former military members and their families.
Data-powered research on South Dakota car insurance
Cheapest minimum coverage insurance in South Dakota: Progressive
- Progressive offers the cheapest minimum liability car insurance in South Dakota for most people. At $16 per month, minimum coverage from Progressive is less than half the South Dakota average.
- Farmers Mutual of Nebraska also offers cheap minimum coverage rates, at just $17 per month.
Cheap liability-only auto insurance rates in South Dakota
Company | Monthly rate |
|---|---|
| Progressive | $16 |
| Farmers Mutual of Nebraska | $17 |
| State Farm | $30 |
| North Star Mutual | $35 |
| USAA* | $26 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in South Dakota
Car insurance rates in South Dakota by city
- Watertown, a city in northeastern South Dakota, has the cheapest car insurance rates in the state. Drivers in Watertown pay an average of $161 per month for full coverage car insurance.
- Allen, located on the Pine Ridge Indian Reservation, has the most expensive rates in the state, at $258 per month.
- Car insurance tends to be cheapest in eastern South Dakota and most expensive in the western and southwestern parts of the state.
Cheapest full coverage car insurance quotes by SD city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Sioux Falls | $174 | Farmers Mutual of Nebraska | $100 |
| Aberdeen | $168 | Farmers Mutual of Nebraska | $97 |
| Brookings | $162 | Farmers Mutual of Nebraska | $93 |
| Watertown | $161 | Farmers Mutual of Nebraska | $93 |
| Agar | $203 | Farmers Mutual of Nebraska | $93 |
| Agency Village | $178 | Farmers Mutual of Nebraska | $93 |
| Akaska | $197 | Farmers Mutual of Nebraska | $93 |
| Alcester | $170 | Farmers Mutual of Nebraska | $96 |
| Alexandria | $177 | Farmers Mutual of Nebraska | $95 |
| Allen | $258 | Farmers Mutual of Nebraska | $93 |
| Alpena | $182 | Farmers Mutual of Nebraska | $93 |
| Amherst | $178 | Farmers Mutual of Nebraska | $93 |
| Andover | $180 | Farmers Mutual of Nebraska | $93 |
| Antelope | $248 | Farmers Mutual of Nebraska | $93 |
| Arlington | $171 | Farmers Mutual of Nebraska | $93 |
| Armour | $181 | Farmers Mutual of Nebraska | $93 |
| Artesian | $181 | Farmers Mutual of Nebraska | $95 |
| Ashland Heights | $203 | Farmers Mutual of Nebraska | $101 |
| Ashton | $182 | Farmers Mutual of Nebraska | $93 |
| Astoria | $170 | Farmers Mutual of Nebraska | $95 |
| Athol | $180 | Farmers Mutual of Nebraska | $93 |
| Aurora | $163 | Farmers Mutual of Nebraska | $93 |
| Avon | $183 | Farmers Mutual of Nebraska | $95 |
| Badger | $174 | Farmers Mutual of Nebraska | $92 |
| Baltic | $178 | Farmers Mutual of Nebraska | $96 |
| Barnard | $174 | Farmers Mutual of Nebraska | $96 |
| Batesland | $247 | Farmers Mutual of Nebraska | $93 |
| Bath | $173 | Farmers Mutual of Nebraska | $96 |
| Belle Fourche | $213 | Farmers Mutual of Nebraska | $95 |
| Belvidere | $245 | Farmers Mutual of Nebraska | $94 |
| Bemis | $172 | Farmers Mutual of Nebraska | $95 |
| Beresford | $170 | Farmers Mutual of Nebraska | $93 |
| Big Stone City | $176 | Farmers Mutual of Nebraska | $93 |
| Bison | $249 | Farmers Mutual of Nebraska | $98 |
| Blackhawk | $211 | Farmers Mutual of Nebraska | $98 |
| Blunt | $201 | Farmers Mutual of Nebraska | $96 |
| Bonesteel | $203 | Farmers Mutual of Nebraska | $95 |
| Bowdle | $190 | Farmers Mutual of Nebraska | $95 |
| Box Elder | $204 | Farmers Mutual of Nebraska | $101 |
| Bradley | $180 | Farmers Mutual of Nebraska | $93 |
| Brandon | $166 | Farmers Mutual of Nebraska | $95 |
| Brandt | $170 | Farmers Mutual of Nebraska | $93 |
| Brentford | $176 | Farmers Mutual of Nebraska | $93 |
| Bridgewater | $176 | Farmers Mutual of Nebraska | $98 |
| Bristol | $177 | Farmers Mutual of Nebraska | $95 |
| Britton | $178 | Farmers Mutual of Nebraska | $95 |
| Bruce | $167 | Farmers Mutual of Nebraska | $95 |
| Bryant | $176 | Farmers Mutual of Nebraska | $94 |
| Buffalo | $243 | Farmers Mutual of Nebraska | $94 |
| Buffalo Gap | $228 | Farmers Mutual of Nebraska | $98 |
| Bullhead | $242 | Farmers Mutual of Nebraska | $95 |
| Burbank | $169 | Farmers Mutual of Nebraska | $95 |
Best car insurance in South Dakota: State Farm
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Full coverage rate$155/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in South Dakota based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in South Dakota
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap South Dakota auto insurance after a ticket: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the best quotes for South Dakota drivers with a speeding ticket. At $113 per month, full coverage from Farmers Mutual is $126 per month cheaper than the state average for drivers with one speeding ticket.
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $113 |
| State Farm | $162 |
| Progressive | $177 |
| North Star Mutual | $265 |
| USAA* | $188 |
*USAA is only available to current and former military members and their families.
South Dakota drivers with a speeding ticket could pay 22% more for car insurance, on average. That's $43 per month more for a full coverage policy.
Best South Dakota auto insurance rates after an accident: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest car insurance quotes in South Dakota after an accident. A full coverage policy from Farmers Mutual costs $128 per month, which is less than half the state average in South Dakota.
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $128 |
| State Farm | $155 |
| Progressive | $202 |
| Auto-Owners | $306 |
| USAA* | $200 |
*USAA is only available to current and former military members and their families.
In South Dakota, a single accident could raise your auto insurance rates by an average of 54%.
Don't worry about shopping for a new policy right after your accident. Your insurance rates won't go up until your current policy renews. However, any quotes you get will consider your accident, so they'll likely be higher than what you're paying now.
Instead, wait until you get your renewal offer, a few weeks to one month before your policy expires. Then, you should compare quotes from multiple companies to find the cheapest rates for you.
Cheap SD auto insurance for teen drivers: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest car insurance in South Dakota for most young drivers.
- Minimum liability coverage: Minimum coverage from Farmers Mutual costs an average of $46 per month for an 18-year-old driver. That's less than half the state average.
- Full coverage: At $178 per month, a full coverage policy from Farmers Mutual costs $280 per month less than the South Dakota state average.
- Military ties: USAA also might offer affordable rates for teens with military ties. But only military members, veterans and some of their family members can buy car insurance from USAA.
Cheapest South Dakota car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farmers Mutual of Nebraska | $46 | $178 |
| North Star Mutual | $50 | $342 |
| Progressive | $82 | $484 |
| State Farm | $99 | $391 |
| USAA* | $69 | $303 |
*USAA is only available to current and former military members and their families.
Cheap quotes for teens with a ticket or accident: North Star Mutual and FMNE
- Speeding ticket: North Star Mutual has the cheapest car insurance rates for young drivers with a recent speeding ticket. A minimum liability policy from North Star Mutual costs $58 per month for an 18-year-old driver. That's less than half the South Dakota average.
- Accident: Farmers Mutual of Nebraska (FMNE) has the most affordable quotes for South Dakota teens after an accident. Minimum coverage from Farmers Mutual costs $74 per month, which is $66 per month cheaper than the state average.
Cheapest SD insurance for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| North Star Mutual | $58 | $79 |
| Farmers Mutual of Nebraska | $59 | $74 |
| Progressive | $85 | $90 |
| State Farm | $108 | $99 |
| USAA* | $94 | $98 |
*USAA is only available to current and former military members and their families.
A speeding ticket could increase the average rate for young South Dakota drivers by almost 14%, while rates go up by 30% after an accident.
Cheap auto insurance in South Dakota after a DUI: Progressive
Progressive has the cheapest quotes in South Dakota after a DUI. At an average of $159 per month, a full coverage policy from Progressive is less than half the South Dakota average.
Affordable South Dakota auto insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $159 |
| Farmers Mutual of Nebraska | $183 |
| State Farm | $276 |
| Auto-Owners | $396 |
| USAA* | $312 |
*USAA is only available to current and former military members and their families.
Drivers in South Dakota could see their insurance rates more than double after a DUI.
In addition, most drivers must get SR-22 insurance after a DUI. Insurance companies charge between $15 and $50 to file an SR-22 form for you. That's on top of any increase to your insurance rates.
Best car insurance in South Dakota for drivers with poor credit: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest quotes for South Dakota drivers with a poor credit score, at $144 per month for full coverage. That's around one-third of the state average.
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $144 |
| Progressive | $205 |
| Geico | $331 |
| Nationwide | $363 |
| USAA* | $284 |
*USAA is only available to current and former military members and their families.
In South Dakota, drivers with poor credit pay more than twice as much for full coverage insurance as those with a good credit score. Credit scores can affect your insurance rates because insurance companies believe that drivers with bad credit scores are more likely to file a claim in the future.
Is your car insurance company raising rates in South Dakota in 2026?
Only one major company, Farmers, has raised rates in South Dakota in 2026, and the increase was very minimal. And multiple companies have lowered their rates statewide.
- ↑ Biggest increase: Farmers at +0.1%
- ↓ Biggest decrease: North Star at -9.6%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| North Star | ↓ 9.6% | ↑ 16.2% |
| American Family | ↓ 5.7% | ↑ 30.3% |
| Farm Bureau | ↓ 3.5% | ↑ 25.0% |
| Liberty Mutual | ↓ 3.1% | ↑ 7.5% |
| Allstate | ↓ 2.5% | ↑ 8.9% |
| Geico | ↓ 0.5% | ↑ 44.7% |
| Travelers | 0.0% | ↑ 7.3% |
| USAA | 0.0% | ↑ 16.9% |
| Goodville Mutual | 0.0% | ↑ 22.6% |
| Farmers Mutual of Nebraska | 0.0% | ↑ 52.8% |
| Farmers | ↑ 0.1% | ↑ 46.1% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What are South Dakota's minimum requirements for auto insurance?
Drivers in South Dakota must have a minimum amount of liability coverage, sometimes written as 25/50/25. You must also have matching uninsured and underinsured motorist bodily injury liability limits.
- Bodily injury (BI) liability: $25,000 per person and $50,000 per accident
- Property damage (PD) liability: $25,000 per accident
- Uninsured and underinsured motorist (UM/UIM) bodily injury liability: $25,000 per person and $50,000 per accident
Aside from purchasing an auto insurance policy, there are three other ways to prove you are a financially responsible driver in South Dakota:
Cash or security deposit: You can deposit $25,000 with the state treasurer to get a certificate of insurance. If both the state treasurer and the South Dakota Department of Public Safety agree on your deposit, it will be accepted as a form of financial responsibility.
Surety bond: If you don't want to make a deposit, you can file a surety bond (issued by a licensed surety company in South Dakota) with the Department of Public Safety. When filing a surety bond, your licensed surety company is promising to pay in your place if you cannot (but will likely go after you to recover that payment). A surety bond should be at least equal to the minimum insurance policy for any accident you cause. If the DMV commissioner recognizes your surety bond as a valid form of payment, you will be given a certificate to serve as your proof of financial responsibility.
Self-insurance: If you have more than 25 cars registered under your name, you could apply to be a self-insurer. You'll have to meet specific requirements that essentially prove you have the financial ability to pay out as an insurer would. If you get a certificate of self-insurance issued by the South Dakota Department of Public Safety, you are authorized to act as a self-insurer for property damage, bodily injury or both. Your certificate of self-insurance will serve as your proof of financial responsibility.
Driving without liability insurance — or an alternate form of proof of financial responsibility — in South Dakota is a Class 2 misdemeanor. Violating this law can cost you more than $500 in fines and reinstatement fees, and possibly even 30 days in jail.
Potential fines and penalties for driving without insurance in South Dakota- Fine: $500
- Jail time: 30 days, either in place of fine or in addition to fine
- Driving privileges: Driver's license suspended
- Other fees: Driver's license reinstatement fee of $50 to $225
What's the best car insurance coverage for SD drivers?
Full coverage car insurance is the best choice for most drivers in South Dakota.
That's because minimum liability policies may not have enough protection to cover the cost of a serious accident. For example, if you crash into and total a brand-new car, $25,000 of property damage liability coverage likely won't be enough to replace it. So if you have a minimum coverage policy, you'll have higher out-of-pocket expenses.
In addition, minimum liability policies don't protect against damage to your car. Full coverage includes comprehensive and collision coverage, which pay for damage to your car after most accidents, thefts, natural disasters and vandalism.
Most lenders require you to have comprehensive and collision coverage if you have a car loan or lease. You should also consider adding these coverages if your car is less than 8 years old or worth more than $5,000.
Frequently asked questions
How much is car insurance in South Dakota?
A full coverage policy costs $196 per month in South Dakota, on average. Drivers can expect to pay $35 per month for a minimum liability policy.
Who has the cheapest car insurance in South Dakota?
Farmers Mutual of Nebraska has the cheapest quotes for most South Dakota drivers looking for full coverage policies in 2026. Full coverage from Farmers Mutual costs $95 per month. Progressive offers the cheapest minimum liability coverage at just $16 per month. That's less than half the statewide average.
How much is car insurance in Sioux Falls, SD?
The average cost of car insurance in Sioux Falls is $174 per month for a full coverage policy. That's $22 per month less than the South Dakota average.
Is car insurance more expensive in South Dakota?
South Dakota has the second-cheapest minimum coverage quotes in the country, at $35 per month. This is partially due to South Dakota's low rate of car accident fatalities. Its low population density also means less traffic on the roads, which leads to fewer accidents.
How can I make my car insurance claim process easier in South Dakota?
To make the claims process easier after an accident in South Dakota, you should start by checking your policy to make sure the damage is covered. Then, file your claim as soon as possible and include photos, the police report and any other helpful info.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across South Dakota for the largest insurance companies in the state. Rates are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Quotes for full coverage include higher liability limits than the state requirement, along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the South Dakota Insurance Division. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
