$17/mo
$20/mo
$23/mo
The car 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. 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 car owners in South Dakota pays on an average of $954 for six months for car insurance, which is less than the national average. Farmers Mutual of Nebraska offers cheap and the best rates in South Dakota.
Farmers Mutual of Nebraska offers the cheapest liability coverage in South Dakota at $17/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in South Dakota ↓
American Family provides cheap full insurance coverage in South Dakota at $50/month, offering excellent value.
Read about the cheapest full coverage companies in South Dakota ↓
American Family is the cheapest option after an at-fault accident in South Dakota at $28 per month.
Read more about best car insurance companies after at-fault accident in South Dakota ↓
American Family was named the best overall by J.D. Power and AM Best, making it a top pick among South Dakota’s best car insurers.
Check out the full list of the best car insurance companies in South Dakota ↓For drivers looking to meet South Dakota minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in South Dakota is widely available from providers like Farmers Mutual of Nebraska at $17/month. If you opt for Farmers you will have to pay at least $64/month for your car insurance premium, which is the highest in South Dakota.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $101 | $17 |
| American Family | $119 | $20 |
| Kemper | $137 | $23 |
| USAA | $143 | $24 |
| Progressive | $149 | $25 |
| Auto-Owners Insurance Co | $160 | $27 |
| State Farm | $166 | $28 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis American Family offers the cheapest car insurance for full coverage in South Dakota at $50 per month. On the other hand Farm Bureau offers the most expensive rate at $300 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $303 | $50 |
| Kemper | $392 | $67 |
| Farmers Mutual of Nebraska | $487 | $82 |
| Auto-Owners Insurance Co | $517 | $88 |
| State Farm | $897 | $151 |
| Allstate | $974 | $164 |
| Progressive | $980 | $165 |
Get Your Car Insurance Quote in South Dakota Instantly!
American Family stands out as the best car insurance provider in South Dakota, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Kemper is a top pick for drivers seeking value and reliability.
American Family offers a six-month premium of $214, which amounts to approximately $36 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Kemper is $267, which is higher than American Family's by $53. Their higher monthly premium is, due to their strict policies on traffic violations.
Auto-Owners Insurance Co's premium is $339, which is significantly more expensive than Kemper's by $72. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $214 | $36 |
| Kemper | $267 | $45 |
| Auto-Owners Insurance Co | $339 | $58 |
| Farmers Mutual of Nebraska | $386 | $65 |
| State Farm | $618 | $104 |
| Allstate | $956 | $159 |
| USAA | $1034 | $176 |
Teens and young drivers in South Dakota often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in South Dakota is
$1868 for 6 months, which is less than the national average.
American Family is the best options for cheap
car insurance for young drivers in South Dakota.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $154 | $26 |
| North Star Mutual Insurance | $190 | $32 |
| Kemper | $196 | $33 |
| Auto-Owners Insurance Co | $208 | $35 |
| Farmers Mutual of Nebraska | $766 | $129 |
| USAA | $1342 | $226 |
| State Farm | $1360 | $229 |
Car insurance rates in South Dakota have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Dakota rose by $169 in Jan compared to $166 of Dec. In other words, there has been an increase by $3 when you compare Jan and Dec.
The average liability insurance cost in the South Dakota remained steady at $169 in both Jan and Dec, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that American Family gives you the cheapest car insurance rate after an at-fault accident in South Dakota at $28/month. On the other hand Farmers is the most expensive option at $272/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $166 | $28 |
| Western National | $190 | $32 |
| Kemper | $214 | $36 |
| Auto-Owners Insurance Co | $220 | $37 |
| North Star Mutual Insurance | $327 | $54 |
| State Farm | $511 | $86 |
| Farmers Mutual of Nebraska | $552 | $93 |
If you are living in South Dakota you should opt for American Family. American Family ranks as number 1 across various factors like customer satisfaction, claims and rates.
In South Dakota, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
South Dakota may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in South Dakota after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $992 | $165 |
| One Med/PIP claim | $992 | $169 |
| Not-at-fault accident | $1016 | $169 |
| Two Med/PIP claims | $1051 | $179 |
| One comp claim | $1057 | $176 |
| Failure to show documents | $1093 | $186 |
| Two comp claims | $1093 | $182 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in South Dakota is American Family at $27 per month. Farmers at $280 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $160 | $27 |
| Western National | $178 | $30 |
| Progressive | $630 | $106 |
| Farmers Mutual of Nebraska | $790 | $133 |
| State Farm | $790 | $133 |
| USAA | $1390 | $234 |
| Auto-Owners | $1491 | $251 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Sioux Falls | $832 | $140 |
| Brookings | $897 | $151 |
| Watertown | $903 | $152 |
| Aberdeen | $933 | $157 |
| Aurora | $968 | $161 |
| Mitchell | $974 | $164 |
| Volga | $974 | $162 |
| Shindler | $980 | $167 |
| Brandon | $986 | $164 |
| Elk Point | $986 | $168 |
| Elkton | $986 | $164 |
| Tea | $986 | $168 |
