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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.

Minimum Required Auto Insurance Coverage 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

Cheapest Car Insurance in South Dakota for Minimum Required Coverage

State Farm offers the most affordable full-coverage insurance quotes in South Dakota. Auto-Owners and American Family 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.

Types of Car Insurance Coverage Available in South Dakota

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.

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South Dakota Car Insurance Laws

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 car insurance PIP requirements

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).

Proof of Auto Insurance in South Dakota

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.

Average Cost of Auto Insurance Companies in South Dakota

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
The General $1,244
Statewide Average $1,282
Farmers Insurance $1,413
North Star Mutual $1,469
Progressive $1,486
Allied $1,588
Allstate $1,717

Cheapest Car Insurance Quotes for South Dakota Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in South Dakota from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of South Dakota. According to our in-house market research, these companies offer the best auto insurance in South Dakota.

Cheap car insurance in South Dakota for young South Dakota drivers

In South Dakota, State Farm offers the cheapest car insurance for 18-year-old drivers or young drivers.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $7,682 $9,120
American Family $2,797 $3,039
Farmers Insurance $5,969 $6,472
Farmers Mutual $2,609 $3,035
The General $3,099 $4,278
Nationwide $3,173 $3,726
North Star Mutual $3,308 $3,733
Progressive $6,641 $7,383
State Farm $2,457 $3,161
USAA $2,531 $2,934
Statewide Average $4,027 $4,688

Cheap car insurance for South Dakota drivers with a speeding ticket

Farmers Mutual has the cheapest car insurance for drivers who have a ticket on their record.

COMPANY AVERAGE ANNUAL RATE
Farmers Mutual $1,135
State Farm $1,155
USAA $1,226
Nationwide $1,275
Allied $1,402
The General $1,404
American Family $1,437
Statewide Average $1,502
Farmers Insurance $1,802
Progressive $1,832
Allstate $1,875
North Star Mutual $1,878

Cheap auto insurance for South Dakota drivers after a car accident

State Farm gives South Dakota drivers with an accident on their driving record the cheapest full-coverage car insurance quotes.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,218
Farmers Mutual $1,343
USAA $1,377
Allied $1,412
American Family $1,438
Nationwide $1,655
Statewide Average $1,736
North Star Mutual $1,929
Farmers Insurance $1,950
The General $2,094
Progressive $2,147
Allstate $2,210

Cheap car insurance quotes for South Dakota drivers with a DUI

State Farm have the best quotes for South Dakotans after a DUI.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,155
American Family $1,437
Progressive $1,621
Farmers Insurance $1,876
Farmers Mutual $2,053
Nationwide $2,061
USAA $2,116
Allied $2,146
Statewide Average $2,370
Allstate $2,727
The General $3,937
North Star Mutual $4,721

Cheap car insurance for married South Dakota drivers

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

Cheap full coverage car insurance quotes for young drivers with an accident history

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

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Compare Car Insurance Rates In Top Cities

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.

CityAnnual 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

Cheap auto insurance in South Dakota with bad credit

COMPANY Avg. Annual Premium
State Farm $7,463
Progressive $4,031
Auto-Owners Insurance Co $3,735
USAA $3,181
Allstate $2,753
Farmers $2,032
Nationwide $1,956
The General $1,940

South Dakota auto insurance rate by violation

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

Car insurance price trends in South Dakota

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

How to Find The Best Car Insurance in South Dakota

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.

Things to Know About Car Insurance When Moving to 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.

How to Get Discounts on Car Insurance in South Dakota

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.

Auto Insurance Data Methodology

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

FAQs

How much is car insurance in South Dakota?

The average cost of car insurance in South Dakota is $390 per year for minimum coverage and $2,000 for full coverage.

Who has the cheapest car insurance in South Dakota?

State Farm offers the most affordable full-coverage insurance quotes in South Dakota. Auto-Owners and American Family are the next on the list.

Is car insurance expensive 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%.

Does South Dakota require car insurance?

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.

Is uninsured motorist coverage required in South Dakota?

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.

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