Best & Cheapest Car Insurance Quotes in South Dakota (2023)
Best & Cheapest Car Insurance Quotes in South Dakota (2023)
Auto-Owners has the best cheap car insurance quote in South Dakota, at $16 per month for a minimum liability policy.
Best car insurance in South Dakota
To help drivers find the best cheap auto insurance in South Dakota, we analyzed quotes from top car insurance companies across each ZIP code in the state. Quotes for minimum coverage meet SD state requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident and matching uninsured motorist bodily injury liability coverage, along with $25,000 in property damage protection. Full-coverage quotes include higher liability limits than state minimums in addition to comprehensive and collision coverage.
We also rated the best car insurance in South Dakota based on customer service ratings, convenience, coverage availability and the cost of coverage for different drivers.
Cheapest car insurance in South Dakota: Auto-Owners
Auto-Owners offers the cheapest minimum-coverage car insurance quotes in South Dakota. A policy from Auto-Owners costs $16 per month, or $197 per year, which is 42% cheaper than average.
The average cost of car insurance in South Dakota is $28 per month, or $339 per year, for minimum coverage.
Find Cheap Auto Insurance Quotes in South Dakota
State Farm, American Family and USAA also offer cheaper-than-average car insurance in South Dakota. However, only military members, veterans and their families can get car insurance from USAA.
Cheapest SD car insurance companies
Company | Monthly rate | |
|---|---|---|
| Auto-Owners | $16 |
| State Farm | $21 |
| American Family | $22 |
| Farm Bureau | $30 |
| Progressive | $35 |
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, which protects your car from damage after theft, vandalism, a natural disaster or a crash — regardless of who's at fault.
The average difference in cost between full- and minimum-coverage car insurance in South Dakota is $120 per month.
Although minimum coverage costs less, purchasing lower liability coverage limits and skipping comprehensive and collision coverage means you might not have enough coverage to pay for all the damage after an accident.
Cheapest full-coverage car insurance in South Dakota: State Farm
State Farm is the cheapest full-coverage car insurance company in South Dakota. At $85 per month, full coverage from State Farm costs 42% less than the state average of $148 per month.
Company | Monthly rate |
|---|---|
| State Farm | $85 |
| Auto-Owners | $139 |
| American Family | $154 |
| Farm Bureau | $154 |
| Geico | $162 |
USAA is only available to current and former military members and their families.
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 usually required for cars that are loaned or leased.
Cheapest car insurance quotes for drivers with prior incidents
State Farm has the best car insurance quotes in South Dakota for drivers with a speeding ticket, accident or DUI.
In South Dakota, drivers with incidents on their record, such as speeding tickets or a DUI (driving under the influence) citation, typically have more expensive car insurance rates.
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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 cost of $90 per month for full coverage.
Company | Monthly rate |
|---|---|
| State Farm | $90 |
| Auto-Owners | $139 |
| American Family | $184 |
| Geico | $185 |
| Farm Bureau | $188 |
South Dakota drivers with a speeding ticket pay 17% more for car insurance, on average.
However, not all companies treat a speeding ticket the same way. Auto-Owners doesn't increase rates for all drivers after a single ticket, while drivers insured with Farmers can expect rates to go up by 32%.
That's why it's important for drivers to shop around for the best rates after a ticket or accident.
Cheapest car insurance after an accident: State Farm
State Farm has the cheapest car insurance quotes for South Dakota drivers with an at-fault accident on their record. A full-coverage policy from State Farm costs $95 per month, which is 54% cheaper than average in South Dakota.
Company | Monthly rate |
|---|---|
| State Farm | $95 |
| Auto-Owners | $155 |
| Progressive | $231 |
| Farm Bureau | $236 |
| American Family | $251 |
Having a single accident on your driving record can increase your auto insurance quotes by 39%, or $57 per month, on average in South Dakota.
Cheapest car insurance in SD after a DUI: State Farm
State Farm has the cheapest quotes for South Dakotans after a DUI. At $90 per month, a full-coverage policy from State Farm is 59% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $90 |
| Progressive | $184 |
| Auto-Owners | $194 |
| Geico | $206 |
| Farmers | $265 |
Drivers in South Dakota with a DUI citation can expect their insurance rates to increase by 49%, on average. In addition, most drivers are required to purchase SR-22 insurance after a DUI, which will make your car insurance even more expensive.
Cheapest car insurance quotes for drivers with poor credit: Geico
Geico offers the cheapest quotes for South Dakota drivers with a poor credit score, at $244 per month for full coverage. That's 16% less expensive than the state average of $288 per month.
Company | Monthly rate |
|---|---|
| Geico | $244 |
| American Family | $254 |
| Auto-Owners | $273 |
| Progressive | $283 |
| Farm Bureau | $291 |
Poor credit does not reflect on a customer's ability to drive, but insurance companies have found that drivers with bad credit scores are more likely to file a claim, which makes them more expensive to insure.
Cheapest car insurance quotes for young drivers in South Dakota: Farm Bureau
Farm Bureau has the cheapest widely available minimum-coverage rates for 18-year-old drivers in South Dakota, at $68 per month.
Young drivers in the military or who are otherwise eligible can find even cheaper quotes from USAA. Its rates are 34% lower than Farm Bureau's and 54% lower than the state average.
Cheapest SD car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $68 | $297 |
| State Farm | $69 | $221 |
| Auto-Owners | $70 | $291 |
| American Family | $85 | $442 |
| Geico | $94 | $377 |
If you're looking for a full-coverage policy, State Farm offers the best rates for 18-year-old drivers in South Dakota, at $221 per month — 42% less than average.
Cheapest car insurance for young drivers with a ticket: Auto-Owners
Auto-Owners is the cheapest South Dakota car insurance company for 18-year-old drivers with a speeding ticket, in some cases not raising its rates at all. At $70 per month, a minimum-coverage policy from Auto-Owners is 36% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Auto-Owners | $70 |
| State Farm | $76 |
| Farm Bureau | $83 |
| American Family | $92 |
| Geico | $100 |
A speeding ticket increases the average rate for young South Dakota drivers by 12%, which equals $12 per month, on average.
Cheapest SD car insurance for young drivers after an accident: State Farm
State Farm offers the cheapest quotes for teen drivers in South Dakota after an at-fault accident. Minimum coverage from State Farm costs $83 per month, which is $46 less per month than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $83 |
| Auto-Owners | $97 |
| Farm Bureau | $105 |
| Geico | $124 |
| American Family | $150 |
Young drivers in South Dakota who have caused an accident pay an average of 33% more for a minimum-coverage car insurance policy.
Cheapest car insurance for married drivers: State Farm
State Farm has the best cheap car insurance for married drivers in South Dakota, despite not offering a discount based on marital status. Some insurance companies offer cheaper rates to married drivers because they're less likely to be involved in an accident than unmarried drivers.
Progressive offers the biggest discount for married drivers: $41 less per month for full coverage, a drop of 24%.
Company | Monthly rate |
|---|---|
| State Farm | $85 |
| Progressive | $133 |
| Auto-Owners | $139 |
| Farm Bureau | $149 |
| Geico | $154 |
Best car insurance companies in South Dakota
Farm Bureau is our pick for the best car insurance in South Dakota based on its reputation for reliable customer service, affordable rates and coverage availability.
State Farm, Auto-Owners and USAA are also good companies for South Dakota drivers to consider. However, only military members, veterans and their families can buy car insurance from USAA.
Best SD car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
Comparing customer service scores is an important part of shopping for an insurance policy.
An insurance company with great customer service will address claims quickly after an accident. On the other hand, a company with poor service may take longer to pay your claim, and you could end up paying more out of pocket for repairs.
Average cost of car insurance in South Dakota by city
South Dakota's cheapest car insurance can be found in Tea, where the average price of full coverage is $127 per month. Pine Ridge has the most expensive quotes, at $189 per month.
The best car insurance quotes in South Dakota differ depending on where you live. Factors like auto theft rates and the amount of traffic in your area can raise or lower your costs.
City | Average monthly cost | Percentage difference from average |
|---|---|---|
| Aberdeen | $132 | -11% |
| Agar | $154 | 4% |
| Agency Village | $138 | -7% |
| Akaska | $151 | 2% |
| Alcester | $130 | -12% |
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 13% cheaper than average. In contrast, three cities with fewer than 3,400 people have the highest rates.
Minimum auto insurance requirements in South Dakota
Drivers in the state of South Dakota are required to carry a minimum amount of bodily injury and property damage coverage, sometimes written as 25/50/25. You must also have matching uninsured/underinsured motorist bodily injury liability limits.
Coverage | Liability |
|---|---|
| Bodily injury (BI) liability | $25,000 per person/$50,000 per accident |
| Property damage (PD) liability | $25,000 per accident |
| Uninsured/underinsured motorist (UM/UIM) bodily injury liability | $25,000 per person/$50,000 per accident |
We recommend that South Dakota drivers consider higher liability limits, as well as comprehensive and collision coverage. Minimum-coverage policies may not be enough to fully cover the cost of damage in an expensive accident, and they don't provide protection against damage to your car.
Frequently asked questions
How much is car insurance in South Dakota?
A minimum-coverage policy costs $28 per month or $339 per year in South Dakota, on average. Drivers can expect to pay $148 per month or $1,775 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 $16 per month, or $197 per year. State Farm offers the cheapest full-coverage rate, at $85 per month, or $1,024 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 matching uninsured/underinsured motorist limits. In addition, drivers must have $25,000 of property damage liability per accident.
Is car insurance in South Dakota expensive?
South Dakota has the cheapest minimum-coverage quotes in the country, at $28 per month, on average. However, the cost of full-coverage insurance is average compared to other states — South Dakota is the 33rd cheapest state, at $148 per month.
Methodology
We collected thousands of quotes from ZIP codes across South Dakota for the largest insurers. Unless otherwise noted, rates are based on a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full-coverage quotes are based on a full-coverage policy with the following limits:
Coverage | Limit |
|---|---|
| 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 |
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.