Who Has The Cheapest Motorcycle Insurance Quotes In South Dakota?

Historically dominated by an agricultural economy and a rural lifestyle, South Dakota has since diversified its economy to attract and retain more residents. Tourism is now a leading source of business in the state because of the nearby Black Hills and the associated monuments and parks. To see who in South Dakota had the best motorcycle insurance rates, we gathered motorcycle insurance quotes from five major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was 15.6% more expensive than the cost of the cheapest in South Dakota.

Cheapest Motorcycle Insurance in South Dakota

To find the best motorcycle insurance in South Dakota, we gathered quotes from five major carriers: Progressive, Nationwide, GEICO, Dairyland and Markel. The graph below includes the average premium quoted by each carrier for our sample policy and rider, along with the state average. The company with the lowest motorcycle insurance rates in South Dakota was GEICO, which quoted our sample policy to be $144 on average. The average rate quoted by Nationwide and Markel were $254 and $441, respectively. The average annual rate for Dairyland was $487. Progressive had the highest average quote of $611 which was more than 4x the cost of the cheapest (GEICO's average).

After an analysis of five motorcycle insurance carriers in South Dakota, ValuePenguin found GEICO had the best rates for a sample policy and rider.

Best Motorcycle Insurance Rates In South Dakota: By City

Typically, the five largest cities in a state have some of the most expensive motorcycle insurance rates. However, this wasn't the case in South Dakota, where two of the state's five largest cities actually had quotes that were below the state average. Premiums quoted for our sample motorcycle policy and rider in Aberdeen and Brookings were both 4% cheaper than the South Dakota average. Sioux Falls and Rapid City had average quotes that were 2.1% and 1.1% higher, respectively. Watertown was the city that stood out from the other largest cities, with rates that were 6.1% more expenesive than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Sioux Falls $395 2.1%
2 Rapid City 391 1.1%
3 Aberdeen 372 -4.0%
4 Brookings 372 -4.0%
5 Watertown 411 6.1%

Sioux Falls, SD

The largest city in South Dakota is Sioux Falls, which has more than 171,000 residents and is part of a metropolitan area with over 250,000. Its history and development is largely centered around the Big Sioux River and the railroad which arrived in the late 19th century. It has always been a regional business hub because of its distance from other large cities. Motorcycle insurance rates for our sample policy and rider in Sioux Falls were just 2.1% higher than the South Dakota average. 

Rapid City, SD

Rapid City is in western South Dakota and is the second largest city in the state, with an estimated 73,000 people. It is named after the local Rapid River and near the old west city of Deadwood. Today, Rapid City is a popular tourist destination because of the nearby Black Hills, which are home to Mount Rushmore, Custer State Park and other monuments and parks. Motorcycle insurance rates in Rapid City were relatively affordable. Quotes for our sample policy and rider were only 1.1% higher than the South Dakota average.  

Aberdeen, SD

In northeast South Dakota is Aberdeen, a city with about 26,000 residents and the center of a metropolitan area with more than 40,000. It is widely considered a college town because it is home to Northern State University and Presentation College. Like many others in the late 19th century, the city was established as a railroad stop. Motorcycle insurance quotes in Aberdeen for our sample policy and rider were cheaper than the state average; 4% lower than the average quote in South Dakota.

Brookings, SD

Brookings is in central South Dakota and is home more than 22,000 residents. The South Dakota State Art Museum and the Children's Museum of South Dakota are also located in the city, along with South Dakota State University, the largest higher education institution in the U.S. Motorcycle insurance quotes in Brookings were also 4% cheaper than the state average.

Watertown, SD

The city of Watertown is nestled between two bodies of water, Lake Kampeska and Pelican Lake, and have more than 21,000 residents, It is the fifth largest city in South Dakota and home to the Bramble Park Zoo. Among other things, it is known for having real estate expensive compared to the relative area and similar-sized towns. Motorcycle insurance rates there are also higher than the four largest cities in the state. Quote for our sample policy and rider were 6.1% more than the South Dakota average.

Most Expensive Motorcycle Insurance in South Dakota

The five places with the most expensive motorcycle insurance rates in South Dakota were scattered throughout the state and, in some cases, as far as opposite corners. This is not an unusual dispersion because the most expensive places tend to be larger cities, which can be located very near or far from one another. The place with the most expensive premiums was Yankton, where quotes for our sample policy were 11.2% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Yankton $430 11.2%
2 Philip 422 9.2%
3 Pine Ridge 422 9.2%
4 Groton 411 6.1%
5 Sturgis 411 6.1%

Yankton, SD

Yankton, located in  southeast South Dakota, is more commonly known as River City for its proximity to the Missouri River. It’s also known as the “Mother of the Dakotas” for being the first capital of the old Dakota Territory. Its community of nearly 15,000 residents welcomes more than 135,000 visitors to its Riverboat Days annual celebration. Motorcycle insurance rates in Yankton were 11.2% more expensive than the state average.

Philip, SD

Close to the center of South Dakota is Phlip, a town that goes by the slogan “Where the Sun Kisses the Earth.” This catchphrase was borne out of Philip’s scenic views and quiet country living. Agriculture is the primary industry there. Philip has over 700 residents and riders there have some of the highest motorcycle insurance premiums in the state. Quotes for our sample policy were 9.2% higher than the state average.

Pine Ridge, SD

Pine Ridge is a census-designated place in southwest South Dakota. It is the most populous place in Oglala Lakota Country with more than 3,000 residents. While its natural landscape plays a huge role in ecology and paleontology, its community has modernized its economy with enterprises in arts and technologies. Motorcycle insurance rates in Pine ridge were 9.2% higher than the state average.

Groton, SD

The town of Groton is in the northeastern corner of South Dakota. It favorably sits at the junction of two major highways and was once a heavily trafficked railroad stop. Today, Groton has gained fame for its annual Carnival of Silver Skates, an excellent skating extravaganza hosted by its approximately 2,000 locals. Motorcycle insurance in Groton was 6.1% higher than the state average.

Sturgis, SD

Sturgis was originally called Scooptown for “scooping up” pay from the cavalry fort, Fort Meade. Today, it has more than 7,000 residents and a new claim to fame. Sturgis is popular for being the location of the Sturgis Motorcycle Rally, one of the largest annual motorcycle events in the world. Perhaps fittingly, it has some of the more expensive motorcycle insurance rates in South Dakota. Premiums quotes for our sample policy were 6.1% higher than the state average.

Average Motorcycle Insurance Rates in South Dakota: By City

This comparative study of motorcycle insurance premiums in South Dakota was done by gathering and analyzing quotes from five major carriers across 32 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 15.6% higher than the cheapest. The statewide average for the 45 year old motorcycle rider that we studied was $387.

A ValuePenguin study found the average motorcycle insurance rate for a sample policy and rider in South Dakota was $387.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed quotes for a sample motorcycle insurance policy and rider across 32 municipalities and census-designated places in the state of South Dakota. The quotes we gathered were from five major carriers: Progressive, Nationwide, GEICO, Dairyland and Markel. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500. The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
1 Aberdeen $372 -4.0%
2 Belle Fourche 372 -4.0%
13 Box Elder 391 1.1%
14 Brandon 391 1.1%
3 Brookings 372 -4.0%
15 Dell Rapids 391 1.1%
16 Freeman 391 1.1%
29 Groton 411 6.1%
17 Harrisburg 391 1.1%
18 Hot Springs 391 1.1%
12 Huron 379 -2.2%
26 Lennox 398 2.9%
4 Madison 372 -4.0%
5 Miller 372 -4.0%
19 Mitchell 391 1.1%
6 Mobridge 372 -4.0%
20 Parkston 391 1.1%
31 Philip 422 9.2%
7 Pierre 372 -4.0%
30 Pine Ridge 422 9.2%
21 Rapid City 391 1.1%
8 Redfield 372 -4.0%
25 Sioux Falls 395 2.1%
9 Sisseton 372 -4.0%
South Dakota Average 387 0.0%
10 Spearfish 372 -4.0%
28 Sturgis 411 6.1%
22 Tea 391 1.1%
23 Tripp 391 1.1%
24 Vermillion 391 1.1%
27 Watertown 411 6.1%
11 Webster 372 -4.0%
32 Yankton 430 11.2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Comments and Questions