Cheapest car insurance companies in South Dakota
The cheapest minimum-coverage car insurance quotes in South Dakota are offered by American Family, State Farm and Progressive.
Find Cheap Auto Insurance Quotes in South Dakota
These three auto insurance companies have average car insurance rates of $293 per year, or $24 per month — which is 31% cheaper than the South Dakota average.
The auto insurers with the most expensive quotes in South Dakota are Auto-Owners, Farm Bureau and Farmers. Each of these insurers charges $40 per month or higher for a minimum liability policy.
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 protect your car from damage as a result of a collision, theft, vandalism or a 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 $2,005 per year, or $167 per month, in savings.
Cheapest company for full coverage: State Farm
The cheapest full-coverage car insurance companies in South Dakota are State Farm, American Family and Progressive. These three carriers are the most affordable in South Dakota for full coverage, offering quotes of $1,931 on average, or 21% less than the state average of $2,429.
|South Dakota average||$2,429||$202|
The insurance companies with the most expensive auto quotes for full coverage in South Dakota are Farmers, Auto-Owners and Farm Bureau.
Comprehensive and collision coverages are included in full coverage policies and reimburse damage to your car following most accidents, thefts, natural disasters and vandalism.
Cheap car insurance 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, will typically receive more expensive car insurance rates. To help you find the best-priced policy, no matter your driving history, we analyzed which insurer offers the most affordable policy for those who:
Cheapest for drivers with an accident: State Farm
South Dakota drivers with an accident on their driving record may be able to find cheap full-coverage car insurance quotes at State Farm, Progressive and Auto-Owners.
These three insurers offer average annual rates of $2,658 per year, or 17% cheaper than the South Dakota average of $3,202, for full coverage policies with a prior accident history.
|South Dakota average||$3,202||$267|
Having a single accident on your driving record can increase your auto insurance quotes substantially.
Auto-Owners, however, distinguishes 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 is $773.
Cheapest car insurance for people with a speeding ticket: State Farm
South Dakota drivers with a speeding ticket pay 17% higher rates for car insurance on average. State Farm and American Family offer the best quotes in this situation, with an average monthly cost of $112 and $221, respectively. Farmers Insurance has the highest rates in the state for those with a speeding ticket on their record — at $392 per month.
|South Dakota average||$2,849||$237|
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence is a serious offense and will result in higher auto insurance premiums. In South Dakota, a DUI leads to 54% more expensive auto insurance quotes on average. However, the price increase ranges from 7% at Progressive to 104% at Farm Bureau for a full coverage policy.
|South Dakota average||$3,737||$311|
Cheapest car insurance for drivers with poor credit: State Farm
If you have a low credit score, many insurance companies will charge higher rates. For drivers in South Dakota, State Farm offers the cheapest quotes for those with a low credit score, at $165 per month, or $1,978 per year. This is 40% less expensive than the state average, $275 per month.
|South Dakota average||$3,298||$275|
Cheapest car insurance for married drivers: State Farm
Many insurers offer cheaper rates to married drivers, in comparison to unmarried and single drivers. In South Dakota, American Family, Auto-Owners and State Farm offer the same quotes despite marital status. Progressive has the largest discount for married drivers in the state, with 16% cheaper quotes on average versus an unmarried person. This equates to a discount of $606 per year, or $51 per month.
|South Dakota average||$2,251||$188|
Cheapest car insurance for young drivers: State Farm
In South Dakota, the average cost of car insurance is $1,574 per year, or $131 per month, for a minimum liability policy.
For young drivers in the military, or who are otherwise eligible, USAA offers the cheapest quotes. State Farm and American Family, which don't have eligibility restrictions, each offer liability-only coverage for less than $1,000 per year.
If you're looking for a full coverage policy, State Farm offers the best rates for young drivers in South Dakota at $3,409 per year, or 39% less than the average across insurers.
|-||South Dakota average||$5,582||$1,574|
USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one accident: State Farm
On average, young drivers in South Dakota who have been involved in an accident pay 23% more for a full coverage car insurance policy. State Farm offers the lowest rates for drivers in this situation at $331 per month, or 16% more than its base rate.
|South Dakota average||$6,890||$574|
Cheapest for young drivers with one speeding ticket: State Farm
Insurers already consider young drivers to be a higher-risk group, so those who have received a speeding ticket will see their auto insurance rates increase by 11% on average in South Dakota. Farmers Insurance imposes the largest price increase at 23%, whereas Auto-Owners is the only company in the state that doesn't change its rates after a speeding ticket.
|South Dakota average||$6,223||$519|
Best car insurance companies in South Dakota
Auto-Owners is the best-rated car insurance company in South Dakota based on its positive customer service reviews, claims satisfaction ratings and lack of complaints.
Claim satisfaction rating
Customer service rating
|3||American Family (AmFam)||86%||50%|
*Overall rank takes both claim satisfaction and customer service ratings into account. Explanation of ratings are in the Methodology section.
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 should have damages.
To find the best-rated auto insurance companies in South Dakota, we also looked at the complaint ratios for the largest companies in the state, using data from the National Association of Insurance Commissioners (NAIC).
A complaint index below 1.00 means the company had fewer complaints than average, relative to its size.
2019 NAIC complaint index
2020 J.D. Power claims satisfaction
AM Best rating
A complaint ratio measures how many complaints each company receives and is an indication of the quality of a carrier's customer service and satisfaction.
The lower the ratio, the fewer complaints a company received relative to its share of premiums underwritten, indicating better service.
Average cost of car insurance in South Dakota: By city
The average cost of full-coverage car insurance in South Dakota is $2,429 per year, or $202 per month.
Your best car insurance quotes in South Dakota differ depending on where you live. The cheapest cities in South Dakota for full coverage are Flandreau, Watertown and Brookings.
The most expensive South Dakota cities for auto insurance are Pine Ridge, Oglala and Manderson. In each of these regions, the average cost of a policy is at least 25% greater than the state average.
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.
Your actual rates will differ based on factors such as past driving history, your vehicle and the amount of liability coverage you need.
Average annual cost
Percent from average
South Dakota rate changes by company
In South Dakota, auto insurance providers decreased their premiums by 2.2% in 2020, ending the cycle of higher premium rates observed in the past several years. Farmers Mutual of Nebraska shows the most significant decrease in premiums, with rates down by 10% compared to 2019. Many other insurance providers in South Dakota opted to decrease their premiums, as well, such as State Farm and De Smet, who decreased their rates by 7.9% and 2.8%, respectively.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
|Farmers Mutual of Nebraska||$31.8||0.0%||-10.0%|
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
- Uninsured/underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
By getting minimum coverage, you can 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 to protect against any damage caused to your automobile.
Recap of the cheapest auto insurance in South Dakota
- Minimum coverage: American Family
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Very good credit history: State Farm
- Married couples: State Farm
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with a speeding ticket: State Farm
We collected thousands of rates from ZIP codes across South Dakota for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|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 our minimum-coverage policy, we quoted a policy with the minimum required limits in South Dakota, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.
ValuePenguin commissioned a survey and asked current policyholders across major car insurance companies about their satisfaction with claims and the customer service of their insurer. In our table, the Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with their most recent claim experience. The Customer Service Rating represents the percentage of respondents who rated the customer service of their insurance company as "excellent."