Why Compare Car Insurance Rates in South Dakota:
Car insurance is affordable in South Dakota. The average auto insurance cost in South Dakota is less than the national average by 11%. If you just got your driver's license or recently moved to South Dakota, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in South Dakota.
All states require you to buy such insurance coverage before you can register your car. According to the South Dakota Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily injury liability coverage | $25,000 per person
$50,000 per accident |
| Uninsured/underinsured motorist liability (UM/UIM) | $25,000 per person
$50,000 per accident |
| Property damage liability (PD) | $25,000 per accident |
Farmers Mutual of Nebraska offers the most affordable full-coverage insurance quotes in South Dakota. American Family and Kemper are the second- and third-cheapest full-coverage car insurance companies in South Dakota, respectively. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.
| Company | Annual Premium |
|---|---|
| Farmers Mutual of Nebraska | $198 |
| American Family | $266 |
| Kemper | $286 |
| Progressive | $332 |
| Iowa Farm Bureau | $332 |
| Farmers | $355 |
| Western National | $375 |
| Nationwide | $472 |
| State Farm | $500 |
| Auto-Owners Insurance Co | $569 |
| Allstate | $805 |
In South Dakota, like other states, various types of car insurance coverage are available. Collision coverage, comprehensive coverage, liability insurance are among those. To learn more about these coverage alternatives, refer types of vehicle insurance coverages in South Dakota.
Having a car insurance in South Dakota is a legal requirement. Proof of insurance is required by the South Dakota Financial Responsibility Law in order to legally operate a vehicle. Bodily Injury and Property Damage coverage, as well as Uninsured and Underinsured Motorists coverage, must be included in an SD auto insurance policy.
With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.
South Dakota does not require personal injury protection (PIP). In fact in South Dakota, PIP is rather optional. If you've been injured in a car accident in South Dakota, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).
All drivers in South Dakota are required to have liability insurance and to have proof of insurance (paper or electronic) on them at all times. In the event that you lose or misplace your insurance ID card, South Dakota law allows you to show electronic proof of automobile insurance on your mobile device.
| Company | Annual Premium |
|---|---|
| American Family | $667 |
| Farmers Mutual of Nebraska | $729 |
| Kemper | $816 |
| Farmers | $995 |
| Iowa Farm Bureau | $1,145 |
| Western National | $1,428 |
| Progressive | $1,530 |
| Allstate | $1,556 |
| Nationwide | $1,712 |
| State Farm | $1,772 |
| Auto-Owners Insurance Co | $2,292 |
The average premium considering the cheapest insurance providers in South Dakota would be $1,469 for full coverage, which is about 16 percent less than the state average. Refer the following table to get the numbers of the different insurance quotes.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Farmers Mutual | $1,036 |
| USAA | $1,061 |
| Nationwide | $1,070 |
| State Farm | $1,092 |
| American Family Insurance | $1,236 |
| Statewide Average | $1,282 |
| Farmers Insurance | $1,413 |
| North Star Mutual | $1,469 |
| Progressive | $1,486 |
| Allied | $1,588 |
| Allstate | $1,717 |
In South Dakota, Kemper offers the cheapest car insurance for 17-year-old drivers or young drivers.
| Company | 17-YEAR-OLD FEMALE | 17-YEAR-OLD MALE |
|---|---|---|
| Allstate | $3,532 | $4,202 |
| Farmers | $3,994 | $4,358 |
| Nationwide | $2,571 | $2,973 |
| State Farm | $2,101 | $2,253 |
| Kemper | $1,939 | $2,679 |
| Auto-Owners Insurance Co | $2,330 | $2,992 |
| Progressive | $5,970 | $6,579 |
| American Family | $2,797 | $3,039 |
| USAA | $2,531 | $2,934 |
Allstate has the cheapest car insurance for drivers who have a ticket on their record.
| Company | Annual Premium |
|---|---|
| Allstate | $838 |
| Farmers Mutual of Nebraska | $869 |
| American Family | $878 |
| State Farm | $957 |
| Kemper | $995 |
| Nationwide | $1,084 |
| Auto-Owners Insurance Co | $1,214 |
| Farmers | $1,249 |
| USAA | $1,236 |
| Western National | $1,292 |
| Iowa Farm Bureau | $1,549 |
| Progressive | $1,735 |
| North Star Mutual | $1,888 |
American Family gives South Dakota drivers with an accident on their driving record the cheapest full-coverage car insurance quotes.
| Company | Annual Premium |
|---|---|
| American Family | $887 |
| State Farm | $1,013 |
| Farmers Mutual of Nebraska | $1,015 |
| Allstate | $1,044 |
| Western National | $1,292 |
| Kemper | $1,300 |
| Nationwide | $1,350 |
| Farmers | $1,383 |
| USAA | $1,387 |
| Allied | $1,422 |
| Auto-Owners Insurance Co | $1,624 |
| Iowa Farm Bureau | $1,913 |
| Progressive | $1,975 |
American Family have the best quotes for South Dakotans after a DUI.
| Company | Annual Premium |
|---|---|
| American Family | $878 |
| State Farm | $957 |
| Allstate | $1,208 |
| Western National | $1,292 |
| Farmers | $1,328 |
| Farmers Mutual of Nebraska | $1,461 |
| Progressive | $1,565 |
| Nationwide | $1,669 |
| USAA | $2,126 |
| Allied | $2,156 |
| Auto-Owners Insurance Co | $2,172 |
| Iowa Farm Bureau | $2,630 |
| Kemper | $3,313 |
In South Dakota, State Farm offers the lowest annual premium for car insurance for married drivers.
| Company | Annual rate |
|---|---|
| State Farm | $1,255 |
| Progressive | $1,625 |
| Auto-Owners | $1,835 |
| American Family | $1,955 |
| Farmers | $2,245 |
| Farm Bureau | $2,895 |
State Farm has the most affordable car insurance premium rates for young drivers involved with a recent accident.
| Company | Annual rate |
|---|---|
| State Farm | $1,200 |
| Auto-Owners | $1,275 |
| American Family | $1,895 |
| Farm Bureau | $1,965 |
| Progressive | $2,350 |
| Farmers | $2,705 |
The average full coverage policy in South Dakota costs $1700 a year. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.
| City | Annual Rate |
|---|---|
| Aberdeen | $1,769 |
| Agar | $2,069 |
| Agency Village | $1,877 |
| Akaska | $2,021 |
| Alcester | $1,733 |
| Alexandria | $1,865 |
| Allen | $2,489 |
| Alpena | $1,913 |
| Amherst | $1,853 |
| Andover | $1,865 |
| Antelope | $2,429 |
| Arlington | $1,769 |
| Armour | $1,937 |
| Artesian | $1,913 |
| Ashland Heights | $2,045 |
| Ashton | $1,925 |
| Astoria | $1,805 |
| Athol | $1,925 |
| Aurora | $1,721 |
| Avon | $1,901 |
| Badger | $1,781 |
| Baltic | $1,805 |
| Barnard | $1,841 |
| Batesland | $2,513 |
| Bath | $1,865 |
| Belle Fourche | $2,129 |
| Belvidere | $2,357 |
| Bemis | $1,829 |
| Beresford | $1,733 |
| Big Stone City | $1,853 |
| Bison | $2,393 |
| Blackhawk | $2,081 |
| Blunt | $2,057 |
| Bonesteel | $2,177 |
| Bowdle | $1,997 |
| Box Elder | $2,057 |
| Bradley | $1,877 |
| Brandon | $1,733 |
| Brandt | $1,829 |
| Brentford | $1,877 |
| Bridgewater | $1,793 |
| Bristol | $1,877 |
| Britton | $1,865 |
| Brookings | $1,697 |
| Bruce | $1,745 |
| Bryant | $1,865 |
| Buffalo | $2,357 |
| Buffalo Gap | $2,369 |
| Bullhead | $2,393 |
| Burbank | $1,733 |
| Burke | $2,213 |
| Butler | $1,877 |
| Camp Crook | $2,333 |
| Canistota | $1,805 |
| Canova | $1,853 |
| Canton | $1,757 |
| Caputa | $2,129 |
| Carpenter | $1,901 |
| Carthage | $1,865 |
| Cavour | $1,877 |
| Chamberlain | $2,105 |
| Chancellor | $1,781 |
| Chelsea | $1,913 |
| Cherry Creek | $2,369 |
| Claire City | $1,853 |
| Clark | $1,877 |
| Clear Lake | $1,829 |
| Colome | $2,213 |
| Colonial Pine Hills | $2,153 |
| Colton | $1,781 |
| Columbia | $1,829 |
| Conde | $1,865 |
| Corona | $1,829 |
| Corsica | $1,973 |
| Cottonwood | $2,249 |
| Cresbard | $1,997 |
| Crooks | $1,769 |
| Custer | $2,309 |
| Dakota Dunes | $1,781 |
| Dallas | $2,189 |
| Dante | $1,961 |
| Davis | $1,781 |
| De Smet | $1,817 |
| Deadwood | $2,141 |
| Dell Rapids | $1,769 |
| Delmont | $1,877 |
| Denby | $2,513 |
| Dimock | $1,889 |
| Dixon | $2,189 |
| Doland | $1,925 |
| Draper | $2,345 |
| Dupree | $2,393 |
| Eagle Butte | $2,357 |
| Eden | $1,889 |
| Edgemont | $2,297 |
| Egan | $1,733 |
| Elk Point | $1,721 |
| Elkton | $1,757 |
| Ellsworth AFB | $2,093 |
| Elm Springs | $2,213 |
| Emery | $1,841 |
| Enning | $2,237 |
| Erwin | $1,781 |
| Ethan | $1,877 |
| Eureka | $2,009 |
| Fairburn | $2,333 |
| Fairfax | $2,177 |
| Fairview | $1,757 |
| Faith | $2,213 |
| Faulkton | $2,009 |
| Fedora | $1,877 |
| Ferney | $1,853 |
| Firesteel | $2,369 |
| Flandreau | $1,709 |
| Florence | $1,781 |
| Fort Meade | $2,141 |
| Fort Pierre | $2,177 |
| Fort Thompson | $2,165 |
| Frankfort | $1,913 |
| Frederick | $1,865 |
| Freeman | $1,853 |
| Fulton | $1,889 |
| Gann Valley | $2,069 |
| Garden City | $1,889 |
| Garretson | $1,781 |
| Gary | $1,841 |
| Geddes | $2,009 |
| Gettysburg | $2,069 |
| Glad Valley | $2,369 |
| Glencross | $2,309 |
| Glenham | $2,057 |
| Goodwin | $1,829 |
| Green Valley | $2,057 |
| Gregory | $2,201 |
| Grenville | $1,889 |
| Groton | $1,853 |
| Hamill | $2,213 |
| Harrisburg | $1,781 |
| Harrison | $1,973 |
| Harrold | $2,165 |
| Hartford | $1,781 |
| Hayes | $2,249 |
| Hayti | $1,853 |
| Hazel | $1,817 |
| Hecla | $1,853 |
| Henry | $1,781 |
| Hermosa | $2,285 |
| Herreid | $2,129 |
| Herrick | $2,177 |
| Highmore | $2,201 |
| Hill City | $2,177 |
| Hitchcock | $1,901 |
| Holabird | $2,189 |
| Hosmer | $1,985 |
| Hot Springs | $2,237 |
| Houghton | $1,865 |
| Hoven | $2,081 |
| Howard | $1,865 |
| Howes | $2,237 |
| Hudson | $1,733 |
| Hurley | $1,781 |
| Huron | $1,889 |
| Ideal | $2,225 |
| Interior | $2,417 |
| Ipswich | $1,949 |
| Irene | $1,853 |
| Iroquois | $1,853 |
| Isabel | $2,369 |
| Java | $2,081 |
| Johnson Siding | $2,177 |
| Kadoka | $2,321 |
| Kaylor | $1,865 |
| Keldron | $2,333 |
| Kennebec | $2,201 |
| Keystone | $2,129 |
| Kimball | $2,045 |
| Kranzburg | $1,829 |
| Kyle | $2,477 |
| Labolt | $1,841 |
| Lake Andes | $1,985 |
| Lake City | $1,877 |
| Lake Norden | $1,853 |
| Lake Preston | $1,805 |
| Lane | $1,889 |
| Langford | $1,889 |
| Lantry | $2,405 |
| Lead | $2,141 |
| Lebanon | $2,057 |
| Lemmon | $2,369 |
| Lennox | $1,757 |
| Leola | $1,985 |
| Lesterville | $1,877 |
| Letcher | $1,913 |
| Little Eagle | $2,405 |
| Lodgepole | $2,357 |
| Long Lake | $1,973 |
| Long Valley | $2,357 |
| Ludlow | $2,369 |
| Lyons | $1,769 |
| Madison | $1,757 |
| Manderson | $2,537 |
| Mansfield | $1,889 |
| Marion | $1,805 |
| Martin | $2,417 |
| Marty | $1,913 |
| Marvin | $1,853 |
| McIntosh | $2,357 |
| McLaughlin | $2,357 |
| Meadow | $2,369 |
| Menno | $1,901 |
| Midland | $2,357 |
| Milbank | $1,829 |
| Milesville | $2,357 |
| Miller | $2,033 |
| Mission | $2,429 |
| Mission Hill | $1,865 |
| Mitchell | $1,829 |
| Mobridge | $2,033 |
| Monroe | $1,829 |
| Morristown | $2,345 |
| Mound City | $2,081 |
| Mud Butte | $2,249 |
| Murdo | $2,321 |
| Nemo | $2,165 |
| New Effington | $1,853 |
| New Holland | $1,949 |
| New Underwood | $2,213 |
| Newell | $2,189 |
| Nisland | $2,165 |
| Norris | $2,357 |
| North Eagle Butte | $2,357 |
| North Sioux City | $1,781 |
| North Spearfish | $2,093 |
| Northville | $1,913 |
| Nunda | $1,769 |
| Oelrichs | $2,297 |
| Oglala | $2,537 |
| Okaton | $2,333 |
| Okreek | $2,381 |
| Oldham | $1,793 |
| Olivet | $1,889 |
| Onaka | $2,009 |
| Onida | $2,081 |
| Opal | $2,249 |
| Oral | $2,321 |
| Orient | $2,045 |
| Ortley | $1,841 |
| Ottumwa | $2,357 |
| Parkston | $1,877 |
| Parmelee | $2,429 |
| Peever | $1,889 |
| Philip | $2,357 |
| Pickstown | $1,973 |
| Piedmont | $2,177 |
| Pierpont | $1,901 |
| Pierre | $1,997 |
| Pine Ridge | $2,549 |
| Plainview | $2,237 |
| Plankinton | $1,901 |
| Platte | $2,009 |
| Pollock | $2,165 |
| Porcupine | $2,501 |
| Prairie City | $2,333 |
| Presho | $2,249 |
| Pringle | $2,321 |
| Pukwana | $2,069 |
| Quinn | $2,249 |
| Ralph | $2,381 |
| Ramona | $1,793 |
| Rapid City | $2,093 |
| Rapid Valley | $2,057 |
| Raymond | $1,901 |
| Redfield | $1,925 |
| Redig | $2,381 |
| Ree Heights | $2,045 |
| Reliance | $2,165 |
| Renner | $1,757 |
| Reva | $2,333 |
| Revillo | $1,841 |
| Ridgeview | $2,345 |
| Rockham | $1,973 |
| Roscoe | $2,009 |
| Rosebud | $2,405 |
| Rosholt | $1,853 |
| Roslyn | $1,889 |
| Rutland | $1,757 |
| Saint Charles | $2,177 |
| Saint Francis | $2,453 |
| Saint Lawrence | $2,033 |
| Saint Onge | $2,129 |
| Salem | $1,793 |
| Scenic | $2,273 |
| Scotland | $1,877 |
| Selby | $2,021 |
| Seneca | $2,021 |
| Shindler | $1,769 |
| Sinai | $1,733 |
| Sioux Falls | $1,781 |
| Sisseton | $1,877 |
| Sky Ranch | $2,333 |
| Smithwick | $2,321 |
| South Shore | $1,853 |
| Spearfish | $2,105 |
| Spencer | $1,829 |
| Springfield | $1,901 |
| Stephan | $2,177 |
| Stickney | $1,985 |
| Strandburg | $1,865 |
| Stratford | $1,829 |
| Sturgis | $2,129 |
| Summerset | $2,093 |
| Tabor | $1,889 |
| Tea | $1,721 |
| Timber Lake | $2,333 |
| Tolstoy | $2,057 |
| Toronto | $1,817 |
| Trail City | $2,309 |
| Trent | $1,745 |
| Tripp | $1,865 |
| Turton | $1,889 |
| Tuthill | $2,417 |
| Twin Brooks | $1,841 |
| Tyndall | $1,853 |
| Union Center | $2,273 |
| Utica | $1,877 |
| Vale | $2,165 |
| Valley Springs | $1,757 |
| Veblen | $1,889 |
| Vermillion | $1,721 |
| Viborg | $1,757 |
| Vienna | $1,877 |
| Virgil | $1,877 |
| Vivian | $2,201 |
| Volga | $1,721 |
| Volin | $1,877 |
| Wagner | $1,937 |
| Wakonda | $1,805 |
| Wakpala | $2,273 |
| Walker | $2,381 |
| Wall | $2,237 |
| Wallace | $1,865 |
| Wanblee | $2,393 |
| Wasta | $2,213 |
| Watauga | $2,333 |
| Watertown | $1,697 |
| Webster | $1,877 |
| Wessington | $1,925 |
| Wessington Springs | $1,937 |
| Westport | $1,841 |
| Wetonka | $1,841 |
| White | $1,757 |
| White Owl | $2,213 |
| White River | $2,393 |
| Whitehorse | $2,393 |
| Whitewood | $2,141 |
| Willow Lake | $1,901 |
| Wilmot | $1,865 |
| Winfred | $1,793 |
| Winner | $2,225 |
| Witten | $2,201 |
| Wolsey | $1,901 |
| Wood | $2,405 |
| Woonsocket | $1,925 |
| Worthing | $1,757 |
| Wounded Knee | $2,537 |
| Yale | $1,877 |
| Yankton | $1,865 |
| Zeona | $2,249 |
| Company | Annual Premium |
|---|---|
| American Family | $733 |
| Farmers Mutual of Nebraska | $801 |
| Kemper | $969 |
| Allstate | $1,045 |
| Nationwide | $1,227 |
| Iowa Farm Bureau | $1,265 |
| Western National | $1,282 |
| Farmers | $1,499 |
| Progressive | $2,387 |
| USAA | $3,181 |
| Auto-Owners Insurance Co | $3,412 |
| State Farm | $4,641 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,617 | 1% | $10 |
| One Med/PIP claim | $1,617 | 1% | $10 |
| Not-at-fault accident | $1,651 | 3% | $45 |
| Two Med/PIP claims | $1,705 | 7% | $98 |
| One comp claim | $1,711 | 7% | $104 |
| Two comp claims | $1,761 | 10% | $154 |
| Failure to wear a seat belt | $1,782 | 11% | $175 |
| Child safety restraint | $1,797 | 12% | $190 |
| Driving without lights | $1,797 | 12% | $190 |
| Failure to show documents | $1,818 | 14% | $211 |
| Driving with expired registration | $1,838 | 15% | $231 |
| Driving too slowly | $1,850 | 16% | $243 |
| Wrong way/wrong lane | $1,860 | 16% | $253 |
| Speeding 6 - 10 MPH over limit | $1,865 | 16% | $258 |
| Failure to stop at a red light | $1,869 | 17% | $262 |
| Cell phone violation | $1,874 | 17% | $267 |
| Texting while driving | $1,874 | 18% | $267 |
| Illegal turn | $1,875 | 17% | $268 |
| Failure to yield | $1,875 | 17% | $268 |
| Following too closely | $1,875 | 17% | $268 |
| Improper passing | $1,881 | 17% | $274 |
| Speeding 11 - 15 MPH over limit | $1,885 | 18% | $278 |
| Speeding 16 - 20 MPH over limit | $1,896 | 18% | $289 |
| At-fault accident - less than $1000 | $1,934 | 21% | $327 |
| Operating a vehicle without permission | $1,944 | 21% | $337 |
| In 65 MPH zone | $1,956 | 22% | $349 |
| Speeding in school zone | $2,002 | 25% | $395 |
| Speeding 21 - 25 MPH over limit | $2,045 | 28% | $438 |
| Passing school bus | $2,072 | 29% | $466 |
| Open container | $2,092 | 31% | $485 |
| At-fault accident - $1000-$2000 | $2,181 | 36% | $574 |
| At-fault accident - greater than $2000 | $2,221 | 39% | $614 |
| Reckless driving | $2,659 | 66% | $1,052 |
| Driving with a suspended license | $2,702 | 69% | $1,095 |
| Refusal to submit to a chemical test | $2,842 | 77% | $1,236 |
| Racing | $2,889 | 80% | $1,282 |
| DUI | $2,958 | 84% | $1,351 |
| Leaving scene of an accident/hit and run | $3,032 | 89% | $1,425 |
| Year | Avg. Annual Premium - South Dakota | Yearly Change - South Dakota | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,588 | $148 | $1,539 | $56 |
| 2020 | $1,450 | -$291 | $1,493 | -$51 |
| 2019 | $1,751 | $350 | $1,554 | $43 |
| 2018 | $1,411 | -$385 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $206 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,249 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
There are many ways to get cheap car insurance quotes in South Dakota, but your insurance agent will set them. Your insurance premiums can be affected by a number of factors, including your gender, age, marital status, driving record and where you live. Make sure to do your research or visit Way.com if you're looking for the best car insurance in South Dakota.
Because South Dakota is a "at-fault" state, drivers are held financially liable for any accidents they cause. When two vehicles collide, the insurance company for the driver who caused the accident is responsible for covering the other driver's damages.
There are a variety of auto insurance discounts available in South Dakota, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving. Refer to car insurance discounts available in South Dakota to know more.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The average cost of car insurance in South Dakota is $390 per year for minimum coverage and $2,000 for full coverage.
State Farm offers the most affordable full-coverage insurance quotes in South Dakota. Auto-Owners and American Family are the next on the list.
Car insurance is affordable in South Dakota. The average auto insurance cost in South Dakota is less than the national average by 11%.
Yes, it is required to have a car insurance in South Dakota. To drive legally in South Dakota, you must have proof of insurance before you getting a driver's license and/or operate a vehicle.
South Dakota legally requires uninsured/underinsured motorist coverage. If you are hurt by a driver who does not have adequate auto insurance, this insurance coverage will come in handy.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 200+ carriers in seconds