The cost of car insurance in South Dakota can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in South Dakota is $1,581 annually for the profile of a 30-year-old driver.
When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.
- The state minimum coverage in South Dakota costs $267 annually.
- The cheapest full coverage policy for South Dakota drivers is offered by Nationwide at $1,035 per year.
- Teen drivers in South Dakota get the cheapest car insurance from American Family at $3,054 a year.
- For drivers with a DUI on their driving history in South Dakota, State Farm offers the cheapest rates at $2,920 per year.
- Cheapest car insurance companies in South Dakota
- Cheapest car insurance for teens in South Dakota
- Cheapest car insurance for young drivers in South Dakota
- Cheapest car insurance for adults in South Dakota
- Cheapest car insurance for seniors in South Dakota
- Cheapest car insurance rates in South Dakota by driving record
- Average cost of car insurance in South Dakota
Cheapest car insurance companies in South Dakota
Nationwide is the cheapest car insurance company in South Dakota that offers full coverage policy at about $1,035 per year or $86 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in South Dakota.
Following is the list of the cheap auto insurance companies and their average annual and monthly premium.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,035 | $86 |
| Kemper Insurance | $1,170 | $97 |
| American Family | $1,322 | $110 |
| State Farm | $1,464 | $122 |
| USAA | $1,551 | $129 |
| Geico | $1,688 | $141 |
| Farmers | $1,717 | $143 |
| Auto-Owners | $1,785 | $149 |
| Allstate | $1,941 | $162 |
| Progressive | $2,141 | $178 |
Cheapest car insurance for teens in South Dakota
American Family is the cheapest car insurance provider for teen drivers in South Dakota. It offers insurance at about $3,054 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.
| Company | Average annual premium |
|---|---|
| American Family | $3,054 |
| Kemper Insurance | $3,411 |
| Nationwide | $3,492 |
| State Farm | $3,931 |
| USAA | $3,947 |
| Auto-Owners | $4,503 |
| Geico | $5,024 |
| Farmers | $6,868 |
| Progressive | $7,830 |
| Allstate | $9,162 |
Cheapest car insurance for young drivers in South Dakota
The cheapest car insurance company for young drivers in South Dakota is Nationwide at about $1,738 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,738 |
| American Family | $1,803 |
| Kemper Insurance | $2,256 |
| Farmers | $2,369 |
| State Farm | $2,404 |
| USAA | $2,412 |
| Geico | $2,848 |
| Auto-Owners | $2,959 |
| Allstate | $3,023 |
| Progressive | $3,410 |
Cheapest car insurance for adults in South Dakota
According to Insurance.com's rate analysis, Nationwide offers the cheapest car insurance for adults in South Dakota. Its average rate is $1,041 annually.
Below are the companies that offer cheap insurance rates for adult drivers in South Dakota.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,041 |
| Kemper Insurance | $1,225 |
| American Family | $1,320 |
| State Farm | $1,487 |
| USAA | $1,612 |
| Geico | $1,635 |
| Farmers | $1,716 |
| Auto-Owners | $1,812 |
| Allstate | $1,957 |
| Progressive | $2,227 |
Cheapest car insurance for seniors in South Dakota
Nationwide offers the cheapest car insurance for seniors in South Dakota. The average annual premium offered is $916. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.
Below is the list of companies that offer the cheapest car insurance for seniors in South Dakota:
| Company | Average annual premium |
|---|---|
| Nationwide | $916 |
| Kemper Insurance | $1,111 |
| American Family | $1,229 |
| State Farm | $1,276 |
| Geico | $1,448 |
| USAA | $1,469 |
| Auto-Owners | $1,484 |
| Farmers | $1,570 |
| Allstate | $1,837 |
| Progressive | $1,994 |
Cheapest car insurance rates in South Dakota by driving record
The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.
Cheapest auto insurance for drivers with poor credit: Kemper
Kemper has the cheapest auto insurance for drivers with poor credit at about $3,252 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.| Company | Average annual premium |
|---|---|
| Kemper | $1,389 |
| Nationwide | $1,449 |
| American Family | $2,113 |
| Geico | $2,134 |
| Farmers | $2,599 |
| Allstate | $2,913 |
| USAA | $2,950 |
| Progressive | $3,635 |
| Auto-Owners | $5,711 |
| State Farm | $7,630 |
Cheapest auto insurance for drivers with a speeding ticket: Nationwide
If you have a speeding ticket on your record, Nationwide offers the cheapest car insurance at about $2,046 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,306 |
| State Farm | $1,582 |
| American Family | $1,624 |
| USAA | $1,709 |
| Geico | $1,928 |
| Allstate | $2,084 |
| Auto-Owners | $2,203 |
| Farmers | $2,241 |
| Progressive | $2,589 |
| Kemper | $3,196 |
Cheapest auto insurance after an at-fault accident : American Family
American Family offers the cheapest car insurance after an at-fault accident. Its average cost for South Dakota drivers is $2,193 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.| Company | Average annual premium |
|---|---|
| American Family | $1,289 |
| Nationwide | $1,627 |
| State Farm | $1,654 |
| USAA | $1,927 |
| Kemper | $2,124 |
| Farmers | $2,377 |
| Auto-Owners | $2,543 |
| Allstate | $2,564 |
| Geico | $2,816 |
| Progressive | $3,006 |
Cheapest auto insurance after a DUI : State Farm
If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in South Dakota at $2,920 per year. To find the best deal, it is required to shop around and compare insurance quotes.
The table below lists the cheapest car insurance companies after DUI in South Dakota, along with their average annual premium.
| Company | Average annual premium |
|---|---|
| State Farm | $1,582 |
| American Family | $1,624 |
| Nationwide | $2,105 |
| Farmers | $2,287 |
| Progressive | $2,309 |
| USAA | $2,967 |
| Allstate | $3,165 |
| Auto-Owners | $3,190 |
| Kemper | $4,773 |
| Geico | $5,196 |
Average cost of car insurance in South Dakota
The average car insurance rate for full coverage in South Dakota is $1,581 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
The state minimum average rate in South Dakota is $267 annually.
