- Average cost of car insurance in South Dakota
- Best car insurance companies in South Dakota: Auto-Owners
- Cheapest car insurance companies in South Dakota: Nationwide
- 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 $2,280 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 $307.
Best car insurance companies in South Dakota: Auto-Owners
Auto-Owners is the best car insurance company in South Dakota, based on an analysis by Insurance.com, 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++ | 829 | 0.5 | $2,566 | 3.46 |
| Nationwide | A+ | 792 | 0.64 | $1,526 | 3.4 |
| State Farm | A++ | 833 | 0.7 | $2,096 | 3.28 |
| Allstate | A+ | 806 | 0.65 | $2,070 | 3.12 |
| GEICO | A++ | 819 | 0.91 | $2,384 | 2.9 |
| Farmers | A | 819 | 0.8 | $2,207 | 2.83 |
| Progressive | A+ | 803 | 0.65 | $3,163 | 2.52 |
Cheapest car insurance companies in South Dakota: Nationwide
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 $1,526 annually, on average, for full coverage.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Nationwide | $297 | $305 | $1,526 |
| Farmers Mut Ins Co of NE | $237 | $260 | $1,989 |
| Allstate | $453 | $484 | $2,070 |
| State Farm | $285 | $329 | $2,096 |
| Farmers | $464 | $516 | $2,207 |
| GEICO | $223 | $269 | $2,384 |
| Auto-Owners | $257 | $260 | $2,566 |
| Iowa Farm Bureau | $377 | $403 | $2,736 |
| North Star Mutual | $244 | $285 | $2,744 |
| Progressive | $335 | $372 | $3,163 |
| USAA | $193 | $229 | $1,780 |
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 |
|---|---|---|
| Morristown | $3,051 | $254 |
| Reva | $3,051 | $254 |
| Prairie City | $3,050 | $254 |
| McIntosh | $3,050 | $254 |
| Watauga | $3,034 | $253 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Brookings | $2,049 | $171 |
| Tea | $2,054 | $171 |
| Watertown | $2,079 | $173 |
| Brandon | $2,087 | $174 |
| Aurora | $2,089 | $174 |
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 $302 annually or $25 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, GEICO provides the cheapest state minimum liability insurance, averaging $234 annually or $19 monthly. USAA offers cheaper rates but is available only to military veterans and their families.
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 |
|---|---|---|
| USAA* | $193 | $16 |
| GEICO | $234 | $19 |
| Farmers Mut Ins Co of NE | $240 | $20 |
| Auto-Owners | $258 | $22 |
| North Star Mutual | $274 | $23 |
| State Farm | $285 | $24 |
| Nationwide | $290 | $24 |
| Progressive | $323 | $27 |
| Iowa Farm Bureau | $367 | $31 |
| Farmers | $434 | $36 |
| Allstate | $449 | $37 |
*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.
Nationwide offers the cheapest car insurance for teen drivers in South Dakota at $4,562 per year for a full coverage policy. USAA offers cheaper rates if you are eligible.
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 $1,478 per year and $1,243 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.
| Nationwide | $5,059 | $422 |
| USAA | $5,565 | $464 |
| State Farm | $5,805 | $484 |
| GEICO | $7,164 | $597 |
| Progressive | $10,639 | $887 |
| Farmers | $13,262 | $1,105 |
| Allstate | $15,713 | $1,309 |
*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 |
|---|---|---|---|
| State Farm | $2,096 | $2,273 | $2,179 |
| Allstate | $2,070 | $3,025 | $2,240 |
| Nationwide | $1,526 | $2,555 | $2,486 |
| GEICO | $2,384 | $3,950 | $2,640 |
| Farmers | $2,207 | $3,040 | $2,854 |
| Auto-Owners | $2,566 | $3,518 | $3,215 |
| Progressive | $3,163 | $3,907 | $3,640 |
| USAA | $1,780 | $2,640 | $2,292 |
*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
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
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.
Compare South Dakota car insurance rates with other states
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