- Average cost of car insurance in South Dakota
- Best car insurance company in South Dakota: Auto-Owners
- Cheapest car insurance company in South Dakota: Farmers Mutual of Nebraska
- South Dakota car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in South Dakota
- Cheapest car insurance cost in South Dakota by age
- Cheapest car insurance companies in South Dakota by driver profile
- Compare auto insurance rates by city in South Dakota
- Car insurance premium trends in South Dakota
- Methodology
- Compare South Dakota car insurance rates with other states
Average cost of car insurance in South Dakota
The average car insurance rate in South Dakota is $2,635 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in South Dakota is $382.
Best car insurance company in South Dakota: Auto-Owners
Auto-Owners is the best car insurance company in South Dakota, based on an analysis, with an overall rating of 3.46.
Below is a full list of the top South Dakota insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A+ | 663 | 0.54 | $2,566 | 4.28 |
| State Farm | A++ | 647 | 0.79 | $2,096 | 4.14 |
| Nationwide | A | 628 | 0.63 | $1,526 | 4.11 |
| GEICO | A++ | 622 | 0.69 | $2,384 | 3.59 |
| Allstate | A+ | 629 | 1.1 | $2,070 | 3.46 |
| Farmers | A | 622 | 0.86 | $2,207 | 3.38 |
| Progressive | A+ | 638 | 0.71 | $3,163 | 3.31 |
| USAA | A++ | 759 | 1.18 | $1,780 | 4.34 |
Cheapest car insurance company in South Dakota: Farmers Mutual of Nebraska
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in South Dakota and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Farmers Mutual of Nebraska is the cheapest auto insurance company in South Dakota, at $1,499 annually, on average, for full coverage.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Farmers Mutual of Nebraska | $148 | $171 | $1,499 |
| Progressive | $219 | $243 | $2,249 |
| Allstate | $554 | $608 | $2,335 |
| Nationwide | $601 | $604 | $2,442 |
| Farmers | $690 | $778 | $2,796 |
| State Farm | $343 | $395 | $2,814 |
| Auto-Owners | $363 | $333 | $2,891 |
| North Star Mutual | $345 | $367 | $3,228 |
| GEICO | $251 | $301 | $3,318 |
| Iowa Farm Bureau | $466 | $480 | $4,708 |
| USAA | $210 | $250 | $2,041 |
USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in South Dakota
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Sioux Falls | $627 | $52 |
| Rapid City | $594 | $49 |
| Rapid Valley | $582 | $48 |
| Box Elder | $577 | $48 |
| Summerset | $572 | $48 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Eureka | $427 | $36 |
| Miller | $428 | $36 |
| Milbank | $428 | $36 |
| Platte | $428 | $36 |
| Gann Valley | $429 | $36 |
The South Dakota Division of Insurance says...
Uninsured motorist coverage is required for all policies. It pays you, resident members of your family and occupants of your auto for personal injuries caused by an uninsured motorist or a hit and run driver. No coverage for damage to your vehicle is provided.
- The South Dakota Division of InsuranceSouth Dakota car insurance requirements
South Dakota's minimum car insurance coverage limits are 25/50/25. South Dakota's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $382 annually or $32 monthly.
Minimum liability insurance requirements for South Dakota:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per accident
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in South Dakota
According to Insurance.com, Farmers Mutual of Nebraska provides the cheapest state minimum liability insurance, averaging $171 annually or $14 monthly.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in South Dakota.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Farmers Mutual of Nebraska | $171 | $14 |
| Progressive | $243 | $20 |
| GEICO | $301 | $25 |
| Auto-Owners | $333 | $28 |
| North Star Mutual | $367 | $31 |
| State Farm | $395 | $33 |
| Iowa Farm Bureau | $480 | $40 |
| Nationwide | $604 | $50 |
| Allstate | $608 | $51 |
| Farmers | $778 | $65 |
| USAA | $250 | $21 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in South Dakota by age
In South Dakota, car insurance rates are higher for teenagers due to their lack of experience on the road.
Farmers Mutual of Nebraska offers the cheapest car insurance for a 16-year-old driver in South Dakota at $2,963 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In South Dakota, Farmers Mutual of Nebraska offers the cheapest full coverage car insurance for a 25-year-old and a 65-year-old driver at $1,635 per year and $1,181 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Farmers Mutual of Nebraska | $2,963 | $247 |
| USAA | $5,955 | $496 |
| North Star Mutual | $7,540 | $628 |
| Auto-Owners | $7,610 | $634 |
| State Farm | $7,772 | $648 |
| Progressive | $7,821 | $652 |
| Nationwide | $8,305 | $692 |
| GEICO | $9,908 | $826 |
| Iowa Farm Bureau | $16,882 | $1,407 |
| Farmers | $18,085 | $1,507 |
| Allstate | $20,059 | $1,672 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in South Dakota by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for insurance.
However, the severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average South Dakota rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Allstate | $2,335 | $3,411 | $2,526 |
| Progressive | $2,249 | $2,777 | $2,588 |
| State Farm | $2,814 | $3,052 | $2,926 |
| Farmers | $2,796 | $3,852 | $3,616 |
| GEICO | $3,318 | $5,497 | $3,674 |
| Nationwide | $2,442 | $4,088 | $3,978 |
| Auto-Owners | $2,891 | $3,963 | $3,988 |
| USAA | $2,041 | $3,028 | $2,629 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in South Dakota
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in South Dakota will impact what you pay. Below, we've gathered South Dakota car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Arlington | $2,038 |
Bonesteel | $2,486 |
Rapid City | $2,497 |
Sioux Falls | $1,997 |
Car insurance premium trends in South Dakota
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in South Dakota to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare South Dakota car insurance rates with other states
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