Nationwide offers the cheapest auto insurance at $1,035 per year or $86 monthly, on average. If you’re eligible, you can get cheaper rates at USAA, where the average is $962 a year. Both are below the average South Dakota car insurance rate of $1,717 a year.
Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Nationwide to be the best insurance company and the cheapest in South Dakota.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your annual car insurance cost.
Read on to compare South Dakota insurance rates by company, age, and more.
Key takeaways
- Nationwide is the best car insurance company in South Dakota overall, with below-average rates and a low complaint ratio.
- Nationwide is also the cheapest car insurance company for all residents in South Dakota at $1,035 per year.
- USAA is cheaper but is only open to military families.
- Average cost of car insurance in South Dakota
- Best car insurance companies in South Dakota
- Cheapest car insurance companies 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
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in South Dakota
The average car insurance rate in South Dakota is $1,717 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 $593.
Best car insurance companies in South Dakota
Nationwide is the best car insurance company in South Dakota, based on a 2023 analysis by Insurance.com, with an overall rating of 4.67.
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Nationwide | A+ | $ 1,035 | 0.66 | 4.67 |
| USAA | A++ | $ 1,551 | 0.99 | 4.25 |
| State Farm | A++ | $ 1,464 | 0.52 | 4.16 |
| Geico | A++ | $ 1,688 | 0.77 | 4.12 |
| American Family | A | $ 1,322 | 0.57 | 4.03 |
| Auto-Owners | A++ | $ 1,785 | 0.64 | 4.03 |
| Farmers | A | $ 1,717 | 0.77 | 3.49 |
| Allstate | A+ | $ 1,941 | 0.95 | 3.47 |
| Progressive | A+ | $ 2,141 | 0.73 | 3.26 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in South Dakota
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, Nationwide is the cheapest auto insurance company in South Dakota, at $1,035 annually or $86 a month, on average, for full coverage
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| Nationwide | $ 296 | $ 307 | $ 1,035 |
| Kemper Insurance | $ 291 | $ 307 | $ 1,170 |
| American Family | $ 348 | $ 361 | $ 1,322 |
| State Farm | $ 210 | $ 237 | $ 1,464 |
| USAA* | $ 163 | $ 188 | $ 1,551 |
| Geico | $ 211 | $ 241 | $ 1,688 |
| Farmers | $ 307 | $ 339 | $ 1,717 |
| Auto-Owners | $ 173 | $ 178 | $ 1,785 |
| Allstate | $ 376 | $ 402 | $ 1,941 |
USAA offers car insurance only to military members, veterans and their families.
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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.
American Family offers the cheapest car insurance for teen drivers in South Dakota at $2,923 per year for a full coverage policy.
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, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $1,023 per year and $880 per year, respectively.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | American Family | $ 2,923 |
| Teens (16-19) | Kemper Insurance | $ 3,168 |
| Teens (16-19) | Nationwide | $ 3,224 |
| Teens (16-19) | State Farm | $ 3,486 |
| Teens (16-19) | USAA | $ 3,667 |
| Teens (16-19) | Auto-Owners | $ 4,055 |
| Teens (16-19) | Geico | $ 4,327 |
| Teens (16-19) | Farmers | $ 6,606 |
| Teens (16-19) | Progressive | $ 7,388 |
| Teens (16-19) | Allstate | $ 8,382 |
| Young Adults (20-24) | Nationwide | $ 1,656 |
| Young Adults (20-24) | American Family | $ 1,738 |
| Young Adults (20-24) | Kemper Insurance | $ 2,069 |
| Young Adults (20-24) | State Farm | $ 2,199 |
| Young Adults (20-24) | USAA | $ 2,236 |
| Young Adults (20-24) | Farmers | $ 2,265 |
| Young Adults (20-24) | Geico | $ 2,534 |
| Young Adults (20-24) | Allstate | $ 2,731 |
| Young Adults (20-24) | Auto-Owners | $ 2,739 |
| Young Adults (20-24) | Progressive | $ 3,145 |
| Adults (25-55) | Nationwide | $ 1,023 |
| Adults (25-55) | Kemper Insurance | $ 1,211 |
| Adults (25-55) | American Family | $ 1,290 |
| Adults (25-55) | State Farm | $ 1,474 |
| Adults (25-55) | USAA | $ 1,538 |
| Adults (25-55) | Geico | $ 1,554 |
| Adults (25-55) | Farmers | $ 1,695 |
| Adults (25-55) | Auto-Owners | $ 1,796 |
| Adults (25-55) | Allstate | $ 1,907 |
| Adults (25-55) | Progressive | $ 2,166 |
| Seniors (60-75) | Nationwide | $ 880 |
| Seniors (60-75) | Kemper Insurance | $ 1,107 |
| Seniors (60-75) | American Family | $ 1,226 |
| Seniors (60-75) | State Farm | $ 1,276 |
| Seniors (60-75) | USAA | $ 1,398 |
| Seniors (60-75) | Geico | $ 1,448 |
| Seniors (60-75) | Auto-Owners | $ 1,484 |
| Seniors (60-75) | Farmers | $ 1,486 |
| Seniors (60-75) | Allstate | $ 1,772 |
| Seniors (60-75) | Progressive | $ 1,898 |
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 | Ticket |
|---|---|---|---|
| Nationwide | $ 1,028 | $ 1,627 | $ 1,466 |
| Kemper | $ 1,167 | $ 2,599 | $ 2,249 |
| American Family | $ 1,289 | $ 1,289 | $ 1,624 |
| USAA | $ 1,474 | $ 1,927 | $ 1,709 |
| State Farm | $ 1,511 | $ 1,654 | $ 1,554 |
| Farmers | $ 1,727 | $ 2,377 | $ 2,301 |
| Geico | $ 1,741 | $ 2,816 | $ 1,928 |
| Auto-Owners | $ 1,849 | $ 2,543 | $ 1,991 |
| Allstate | $ 1,938 | $ 2,564 | $ 2,084 |
| Progressive | $ 2,131 | $ 3,006 | $ 2,698 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in South Dakota
Auto insurance rates in your city can vary significantly due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers and consider these local factors to find the most competitive rates for your specific city in South Dakota.
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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