Best & Cheapest Car Insurance Quotes in South Dakota (2025)
State Farm has the best cheap car insurance in South Dakota, at $107 per month for a full coverage policy.
Find Cheap Auto Insurance Quotes in South Dakota
Best cheap auto insurance in South Dakota
How we chose the top companies
Best and cheapest car insurance in South Dakota
- Cheapest full coverage: State Farm, $107/mo
- Cheapest minimum liability: State Farm, $24/mo
- Cheapest for young drivers: North Star Mutual, $63/mo
- Cheapest after a ticket: State Farm, $113/mo
- Cheapest after an accident: State Farm, $107/mo
- Cheapest for teens after a ticket: State Farm, $64/mo North Star Mutual, $70/mo
- Cheapest after a DUI: State Farm, $185/mo
- Cheapest for poor credit: Geico, $282/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm has the best mix of great customer service and affordable rates in South Dakota. State Farm offers online quotes, so it's easy to compare rates.
North Star Mutual also has cheap rates and good service. But you'll have to contact an agent to get a quote.
Cheapest car insurance in South Dakota: State Farm
State Farm has the cheapest full coverage car insurance in South Dakota.
At $107 per month, full coverage from State Farm costs $65 per month less than the state average.
Find Cheap Auto Insurance Quotes in South Dakota
The average cost of a full coverage car insurance policy in South Dakota is $172 per month. That's very close to the national average of $175 per month.
Cheapest full coverage South Dakota car insurance rates
Company | Monthly rate | |
|---|---|---|
| State Farm | $107 |
| Progressive | $178 |
| American Family | $181 |
| North Star Mutual | $189 |
| Nationwide | $192 |
*USAA is only available to current and former military members and their families.
USAA also offers very affordable car insurance in South Dakota, at $138 per month for full coverage. However, only military members, veterans and their families can get car insurance from USAA.
Cheapest liability-only insurance in South Dakota: State Farm
State Farm offers the cheapest minimum liability car insurance in South Dakota for most people.
Minimum coverage from State Farm costs $24 per month. That's $13 per month less than the South Dakota average, which is $37 per month.
USAA offers even cheaper minimum coverage rates, at just $21 per month. However, only military members, veterans and their family members can buy car insurance from USAA.
Cheap liability-only auto insurance rates in South Dakota
Company | Monthly rate |
|---|---|
| State Farm | $24 |
| American Family | $28 |
| North Star Mutual | $28 |
| Progressive | $29 |
| Geico | $40 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in South Dakota
Cheap SD auto insurance for teen drivers: North Star Mutual and State Farm
North Star Mutual has the cheapest minimum liability car insurance in South Dakota for most young drivers. Minimum coverage from North Star Mutual costs $63 per month for an 18-year-old driver. That's less than half the state average.
State Farm has the cheapest full coverage rates for teens. At $273 per month, a policy from State Farm costs nearly $200 per month less than the South Dakota average.
Cheapest South Dakota car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| North Star Mutual | $63 | $400 |
| State Farm | $79 | $273 |
| American Family | $110 | $519 |
| Progressive | $125 | $573 |
| Geico | $149 | $616 |
*USAA is only available to current and former military members and their families.
USAA offers even cheaper rates for teens with military ties. But only military members, veterans and some of their family members can buy car insurance from USAA.
Cheap South Dakota auto insurance after a ticket: State Farm
State Farm has the best quotes for South Dakota drivers with a speeding ticket. At $113 per month, full coverage from State Farm is $98 per month cheaper than the state average for drivers with one speeding ticket.
Company | Monthly rate |
|---|---|
| State Farm | $113 |
| North Star Mutual | $189 |
| Progressive | $206 |
| American Family | $217 |
| Geico | $255 |
*USAA is only available to current and former military members and their families.
South Dakota drivers with a speeding ticket pay 23% more for car insurance, on average. That's a difference of $33 per month for a full coverage policy.
Best South Dakota auto insurance rates after an accident: State Farm
State Farm has the cheapest car insurance quotes for South Dakota after an accident. A full coverage policy from State Farm costs $107 per month, which is less than half the state average in South Dakota.
Company | Monthly rate |
|---|---|
| State Farm | $107 |
| Progressive | $231 |
| Farmers | $269 |
| American Family | $299 |
| North Star Mutual | $325 |
*USAA is only available to current and former military members and their families.
In South Dakota, a single accident can 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 quotes for teens with a ticket or accident: North Star Mutual and State Farm
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 $70 per month for an 18-year-old driver. That's less than half the South Dakota average.
State Farm has the most affordable quotes for South Dakota teens after an accident. Minimum coverage from State Farm costs $79 per month, which is $87 per month cheaper than the state average.
Cheapest SD insurance for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| North Star Mutual | $70 | $95 |
| State Farm | $87 | $79 |
| American Family | $119 | $193 |
| Progressive | $130 | $139 |
| Geico | $173 | $193 |
*USAA is only available to current and former military members and their families.
A speeding ticket increases the average rate for young South Dakota drivers by 15%, while rates go up by 28% after an accident.
Cheap auto insurance in South Dakota after a DUI: State Farm
State Farm has the cheapest quotes in South Dakota after a DUI. At $185 per month, a full coverage policy from State Farm is half the South Dakota average.
Affordable South Dakota auto insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $185 |
| Progressive | $188 |
| Farmers | $283 |
| American Family | $333 |
| Nationwide | $451 |
*USAA is only available to current and former military members and their families.
Drivers in South Dakota can expect their insurance rates to 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 on your behalf. That's on top of any increase to your insurance rates.
Best car insurance in South Dakota for drivers with poor credit: Geico
Geico has the cheapest quotes for South Dakota drivers with a poor credit score, at $282 per month for full coverage. That's $48 per month less expensive than the state average.
Company | Monthly rate |
|---|---|
| Geico | $282 |
| Progressive | $296 |
| American Family | $297 |
| North Star Mutual | $313 |
| Farmers | $314 |
*USAA is only available to current and former military members and their families.
In South Dakota, drivers with poor credit pay nearly twice as much for full coverage insurance as those with a good credit score. Credit scores affect your insurance rates because insurance companies believe that drivers with bad credit scores are more likely to file a claim in the future.
Best car insurance in South Dakota
USAA has the best-rated car insurance in South Dakota based on its reliable customer service and cheap rates.
However, only military members, veterans and their families can buy car insurance from USAA.
State Farm and North Star Mutual are also good options for South Dakota drivers. Both companies have fewer customer complaints than average for their size, along with affordable rates.
Top South Dakota auto insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| North Star Mutual | NR | A++ | |
| Nationwide | 641 | A | |
| Geico | 637 | A++ |
Average cost of car insurance 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 $147 per month for full coverage car insurance.
Allen, located on the Pine Ridge Indian Reservation, has the most expensive rates in the state, at $214 per month.
SD car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $154 | -10% |
| Agar | $171 | 0% |
| Agency Village | $159 | -7% |
| Akaska | $170 | -1% |
| Alcester | $152 | -11% |
Full coverage quotes in South Dakota vary by up to $67 per month depending on where you live. Cities with high auto theft rates and lots of traffic typically have higher car insurance quotes.
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
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 $172 per month in South Dakota, on average. Drivers can expect to pay $37 per month for a minimum liability policy.
Who has the cheapest car insurance in South Dakota?
State Farm has the cheapest quotes for most South Dakota drivers. Full coverage from State Farm costs $107 per month, while a minimum liability policy costs just $24 per month.
How much is car insurance in Sioux Falls, SD?
The average cost of car insurance in Sioux Falls is $158 per month for a full coverage policy. That's $14 per month less than the South Dakota average.
Is car insurance more expensive in South Dakota?
South Dakota has the third-cheapest minimum coverage quotes in the country, at $37 per month. In addition, the cost of full coverage insurance is $3 per month less than the national average.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across South Dakota for the largest insurance companies. Rates are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Full coverage quotes include comprehensive and collision coverage along with higher liability limits than the state requires.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 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 insurance company 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.
