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.

Best car insurance companies in South Dakota
CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
Auto-OwnersA++8290.53.46$2,566
NationwideA+7920.643.4$1,526
State FarmA++8330.73.28$2,096
AllstateA+8060.653.12$2,070
GeicoA++8190.912.9$2,384
FarmersA8190.82.83$2,207
ProgressiveA+8030.652.52$3,163

Data refreshed as of May 2024
Read our full methodology

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.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
Nationwide$297$305$1,526
USAA*$193$229$1,780
Farmers Mutual of Nebraska$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
Data refreshed as of May 2024
Read our full methodology

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in South Dakota
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
57714 - Allen
For a 30-year-old male
$27 State minimum
$245 Full coverage
$30 Liability only

Most & least expensive ZIP codes for auto insurance in South Dakota

Most Expensive

Zip CodeCityHighest Rate
57641McIntosh$254
57645Morristown$254
57649Prairie City$254
57651Reva$254

Least Expensive

Zip CodeCityLowest Rate
57006Brookings$169
57064Tea$171
57007Brookings$172
57201Watertown$173
Data refreshed as of May 2024
Read our full methodology

South Dakota car insurance requirements

South Dakota's minimum car insurance coverage limits are 25/50/25. South Dakota's state minimum liability insurance 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.

State minimum auto insurance coverage in South Dakota, SD
Company Liability insurance premiumMonthly 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

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in South Dakota by age

company_name
Cheapest for teens
$4,562/yr
Learn more
company_name
Cheapest for adults
$1,478/yr
Learn more
company_name
Cheapest for seniors
$1,243/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
Nationwide$5,059$422
USAA$5,565$464
Farmers Mut Ins Co of NE$5,663$472
State Farm$5,805$484
Auto-Owners$6,416$535
North Star Mutual$6,712$559
Geico$7,164$597
Iowa Farm Bureau$8,934$745
Progressive$10,639$887
Farmers$13,262$1,105
Allstate$15,713$1,309
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in South Dakota by driver profile

company_name
Cheapest for at-fault accident
$2,273/yr
Learn more
company_name
Cheapest for DUI
$2,179/yr
Learn more
company_name
Cheapest for speeding ticket
$2,179/yr
Learn more

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. 

South Dakota car insurance companies for drivers with tickets and accidents
CompanyClean recordAccidentSpeeding Ticket
State Farm$2,096$2,273$2,179
Nationwide$1,526$2,555$2,486
USAA$1,780$2,640$2,292
Allstate$2,070$3,025$2,240
Farmers$2,207$3,040$2,854
Auto-Owners$2,566$3,518$3,215
Progressive$3,163$3,907$3,640
Geico$2,384$3,950$2,640

*USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

Compare auto insurance rates by city in South Dakota

Auto insurance rates in your city can differ significantly from the state average 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 to find the most competitive rates for your specific city in South Dakota.

CityAnnual insurance premium
Arlington
$2,038
Bonesteel
$2,486
Rapid City
$2,497
Sioux Falls
$1,997
Data refreshed as of May 2024
Read our full 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 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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