The Best Cheap Motorcycle Insurance in South Dakota

Progressive, Dairyland and Geico have the cheapest motorcycle insurance in South Dakota, at $14 per month for full coverage.

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Best cheap SD motorcycle insurance

How we chose the top companies

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192 quotes from 6 top companies
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50+ years helping riders save

Cheapest motorcycle insurance companies in South Dakota

Dairyland, Geico and Progressive are the cheapest motorcycle insurance companies in South Dakota.

Full coverage insurance from all three companies costs an average of $14 per month. That's 26% cheaper than the state average.

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Progressive is the best choice for most people.

That’s because it also offers lots of discounts, excellent coverage and has very few customer complaints.

Cost of 6 top motorcycle insurance companies in South Dakota

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The average cost of motorcycle insurance in South Dakota is $19 per month. That's 41% less expensive than the national average of $32 per month.

Cheapest motorcycle insurance quotes in SD

Company
Monthly rate
Dairyland logo
Dairyland
$14
Geico logo
Geico
$14
Progressive logo
Progressive
$14
Harley-Davidson Insurance logo
Harley-Davidson
$15
Allstate logo
Allstate
$26
Nationwide logo
Nationwide
$30

Best for most people: Progressive

  • Editor's rating

  • Cost: $14/month

  • Read Review


Overview

Pros/Cons

Progressive has some of the cheapest motorcycle insurance in South Dakota along with numerous coverage add-ons and discounts.

Overview

Progressive has some of the cheapest motorcycle insurance in South Dakota along with numerous coverage add-ons and discounts.

Pros/Cons

Pros:

  • Cheapest rates in SD

  • Many extra coverage options

  • Few customer complaints

Cons:

  • No rental reimbursement coverage

Progressive has some of the cheapest motorcycle insurance in South Dakota along with numerous coverage add-ons and discounts.

Pros:

  • Cheapest rates in SD

  • Many extra coverage options

  • Few customer complaints

Cons:

  • No rental reimbursement coverage

Progressive's affordable rates, excellent coverage and low number of customer complaints make it the best choice for most people in South Dakota. A full coverage policy from Progressive costs an average of $14 per month, which is 26% less than the state average.

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You can lower your motorcycle insurance rates even more by taking advantage of Progressive's discounts.

These include discounts for switching to Progressive, paying your bill in full or using automatic payments, joining a motorcycle group like the Harley Owners Group (H.O.G.) and more.

Full coverage motorcycle insurance from Progressive comes with protection that most SD insurance companies charge extra for.

This includes:

  • Full replacement cost coverage, which pays to restore your motorcycle to its original condition, even if it had wear and tear before your accident.
  • $3,000 of coverage for custom parts and accessories, such as an aftermarket exhaust system or suspension upgrade.
  • Original manufacturer parts (OEM) coverage, which guarantees Progressive will fix your bike using parts from the original manufacturer or the best parts available. Most basic policies only pay for cheaper after-market parts.

Progressive also has optional add-ons for your motorcycle insurance policy. For example, you can get coverage for personal items like phones and duffel bags that are lost or damaged in a crash.

The main downside to Progressive is that it doesn't offer rental reimbursement, which pays for a rental car while your motorcycle is in the repair shop after a crash. If you're concerned about paying for a rental, you should consider Dairyland or Harley-Davidson instead.

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Progressive gets around one-third as many customer complaints compared to an average insurance company of the same size. That means you can count on Progressive to get you back on the road quickly after an accident.

Best for daily riders: Dairyland

  • Editor's rating

  • Cost: $14/month

  • Read Review


Overview

Pros/Cons

Dairyland offers affordable rates and helpful coverage add-ons if your motorcycle is your main vehicle.

Overview

Dairyland offers affordable rates and helpful coverage add-ons if your motorcycle is your main vehicle.

Pros/Cons

Pros:

  • Cheapest quotes in South Dakota

  • Offers good coverage for daily riders

Cons:

  • Average customer service

  • Few extra coverage options

Dairyland offers affordable rates and helpful coverage add-ons if your motorcycle is your main vehicle.

Pros:

  • Cheapest quotes in South Dakota

  • Offers good coverage for daily riders

Cons:

  • Average customer service

  • Few extra coverage options

Dairyland is the best choice for daily riders because you can add both rental reimbursement and roadside assistance to your policy. These coverages are important if you use your bike to commute or run errands, because they can help keep your life on track if something happens to your motorcycle.

  • Rental reimbursement pays for a rental car while your bike is in the shop after a crash, regardless of whose fault it is.
  • Roadside assistance pays for things like towing, locksmith services, battery jumpstarts and fuel delivery if your motorcycle breaks down on the side of the road.

However, Dairyland doesn't offer trailer or vacation rental coverage making it a poor choice for road-trippers.

Dairyland has some of the cheapest motorcycle insurance in South Dakota with an average monthly rate of $14 for full coverage.

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While it has a handful of common discounts, Dairyland offers far fewer ways to save on your insurance than other companies.

For example, you won't get a discount for paying your bill up front, making automatic payments or installing an alarm system on your bike.

Dairyland's main drawback is its average customer service. While you can count on Dairyland to fix your bike in a reasonable amount of time after a crash, you probably won't have as smooth of a claim experience as you would with a company with better service scores, like Progressive.

Best motorcycle insurance for discounts: Harley-Davidson

  • Editor's rating

  • Cost: $15/month

  • Read Review


Overview

Pros/Cons

Harley-Davidson offers an impressive range of discounts and many coverage add-ons to customize your policy.

Overview

Harley-Davidson offers an impressive range of discounts and many coverage add-ons to customize your policy.

Pros/Cons

Pros:

  • Rates are cheaper than average

  • Wide range of discounts and coverages

Cons:

  • Poor customer service

  • No auto or home bundling discount

Harley-Davidson offers an impressive range of discounts and many coverage add-ons to customize your policy.

Pros:

  • Rates are cheaper than average

  • Wide range of discounts and coverages

Cons:

  • Poor customer service

  • No auto or home bundling discount

Harley-Davidson offers some of the cheapest quotes in South Dakota, along with an impressive range of discounts. Some of its discounts are very easy to get, like a discount for having a valid motorcycle license or endorsement, or owning your home.

Harley-Davidson discounts

  • New bike
  • H.O.G. member
  • Motorcycle endorsement
  • Experienced rider
  • H-D Riding Academy
  • Homeowners
  • Multicycle
  • Anti-theft device
  • Military/law enforcement
  • Bundled protection
  • Loyalty
  • Pay on time
  • Accident-free renewal

Keep in mind, Harley-Davidson doesn't sell auto insurance, which means it doesn't offer a bundling discount. You may get a better deal from your current auto insurance company if they also sell motorcycle insurance.

Harley-Davidson also offers lots of ways to customize your policy with extra protection.

Daily riders can benefit from adding rental reimbursement and roadside assistance. On the other hand, people who travel often may find its trip interruption or vacation rental coverage useful.

Harley-Davidson gets 64% more complaints compared to other insurance companies of the same size. Most complaints are about the company's long claims process. That means it may take longer to fix your motorcycle after an accident if you choose Harley-Davidson.

South Dakota motorcycle insurance: Costs by city

Where you live in South Dakota doesn't have much of an impact on your monthly rate.

Motorcycle insurance rates only vary by around $2 per month across South Dakota's largest cities and towns.

For example, some of the cheapest cities are Sturgis, Aberdeen and Brookings, where the average cost of a full coverage policy is $18 per month.

Sioux Falls, Rapid City and Mitchell have some of the most expensive rates compared to other large cities, at $20 per month.

Average motorcycle insurance cost in SD by city

City
Monthly cost
% from average
Aberdeen$18-5%
Belle Fourche$18-4%
Box Elder$204%
Brandon$191%
Brookings$18-5%
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South Dakota motorcycle insurance requirements

South Dakota requires motorcycle owners to have a minimum of 25/50/25 of liability insurance .

You must also have matching uninsured and underinsured bodily injury limits. This coverage pays your medical bills if you're injured in an accident caused by someone with no insurance or not enough coverage.

It's generally a good idea to buy more than the minimum required coverage. Getting a full coverage policy can help pay for damage to your motorcycle, and it's typically required if you have a loan or lease.

Frequently asked questions

Who has the best motorcycle insurance in South Dakota?

Progressive has the best motorcycle insurance for most riders in South Dakota because of its cheap rates, strong coverage options and low customer complaints. Its full coverage policy costs $14 per month, which is 26% cheaper than the statewide average.

Is motorcycle insurance required in South Dakota?

Yes, motorcycle owners in South Dakota need to have $25,000 of bodily injury coverage per person, $50,000 of coverage per accident and $25,000 of property damage liability, often written as 25/50/25 coverage.

South Dakota also requires matching uninsured and underinsured motorist bodily injury limits.


Methodology

To find the best cheap motorcycle insurance in South Dakota, ValuePenguin collected quotes from 32 cities across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.

Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.

  • Bodily injury liability: $50,000 per person and $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Uninsured and underinsured motorist property damage: $25,000 per accident
  • Medical payments: $5,000
  • Comprehensive and collision deductible: $500

The best companies in SD were chosen based on their monthly rates, discounts, coverage options and customer service.

The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.

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.