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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 $1,501 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.

Cheapest car insurance companies in South Dakota

Nationwide Mutual is the cheapest car insurance company in South Dakota that offers full coverage policy at about $960 per year or $80 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.

CompanyAverage annual premiumAverage monthly premium
Nationwide Mutual$960$80
American Family$1,130$94
Unitrin Auto & Home$1,156$96
United Svcs Automobile Assn$1,299$108
State Farm Mutl Automobile Ins$1,491$124
GEICO General$1,604$134
Allstate$1,699$142
Progressive Northern$1,743$145
Mid-Century$1,787$149
Auto-Owners$2,142$178

Cheapest car insurance for teens in South Dakota

State Farm is the cheapest car insurance provider for teen drivers in South Dakota. It offers insurance at about $2,941 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.

CompanyAverage annual premium
State Farm Mut Auto$2,941
Geico Gen$3,847
Amco$4,266
Mid Century$6,531
Progressive Northern$6,864
Allstate$11,149

Cheapest car insurance for young drivers in South Dakota

The cheapest car insurance company for young drivers in South Dakota is State Farm at about $1,923 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
State Farm Mut Auto$1,923
Mid Century$2,025
Geico Gen$2,264
Amco$2,349
Progressive Northern$2,487
Allstate$3,223

Cheapest car insurance for adults in South Dakota

According to Insurance.com's rate analysis, State Farm offers the cheapest car insurance for adults in South Dakota. Its average rate is $1,283 annually.

Below are the companies that offer cheap insurance rates for adult drivers in South Dakota.

CompanyAverage annual premium
State Farm Mut Auto$1,283
Amco$1,305
Geico Gen$1,393
Mid Century$1,422
Progressive Northern$1,552
Allstate$2,141

Cheapest car insurance for seniors in South Dakota

State Farm offers the cheapest car insurance for seniors in South Dakota. The average annual premium offered is $1,119. 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:

CompanyAverage annual premium
State Farm Mut Auto$1,119
Progressive Northern$1,199
Mid Century$1,243
Geico Gen$1,324
Amco$1,355
Allstate$2,018

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: Unitrin

Unitrin has the cheapest auto insurance for drivers with poor credit at about $1,429 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.

CompanyAverage annual premium
Unitrin$1,429
Nationwide$1,544
Geico$2,134
American Family$2,267
Mid-Century$2,804
Allstate$2,913
United$2,989
Progressive$4,147
Auto-Owners$5,890
State Farm$7,954

Cheapest auto insurance for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your record, State Farm offers the cheapest car insurance at about $1,647 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.

CompanyAverage annual premium
State Farm$1,647
Nationwide$1,656
American Family$1,738
United$1,869
Geico$1,928
Allstate$2,084
Mid-Century$2,371
Auto-Owners$2,525
Progressive$2,894
Unitrin$3,833

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 $1,379 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.

CompanyAverage annual premium
American Family$1,379
Nationwide$1,718
State Farm$1,720
United$2,070
Mid-Century$2,507
Allstate$2,564
Auto-Owners$2,609
Geico$2,816
Progressive$3,336
Unitrin$4,142

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 $1,647 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.

CompanyAverage annual premium
State Farm$1,647
American Family$1,738
Nationwide$2,196
Mid-Century$2,416
Progressive$2,613
Allstate$3,165
United$3,247
Auto-Owners$3,249
Unitrin$4,917
Geico$5,196

Average cost of car insurance in South Dakota

The average car insurance rate for full coverage in South Dakota is $1,501 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 $272 annually.