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

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

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
$25 State minimum
$176 Full coverage
$27 Liability only
View most and least expensive zip codes

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

Most Expensive

Zip CodeCityHighest Rate
57770Pine Ridge$180
57764Oglala$179
57756Manderson$179
57794Wounded Knee$178

Least Expensive

Zip CodeCityLowest Rate
57064Tea$117
57106Sioux Falls$118
57006Brookings$118
57201Watertown$118

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. 

Cheapest car insurance by age in South Dakota
Age Company Average annual premium 
Teens (16-19)USAA$4,378
Teens (16-19)Nationwide$4,562
Teens (16-19)Farmers Mutual of Nebraska$4,940
Teens (16-19)State Farm$4,973
Teens (16-19)Auto-Owners$5,952
Teens (16-19)Iowa Farm Bureau$5,975
Teens (16-19)Geico$6,341
Teens (16-19)North Star Mutual$6,454
Teens (16-19)Farmers$8,738
Teens (16-19)Allstate$8,982
Teens (16-19)Progressive$9,057
Young Adults (20-24)Nationwide$2,392
Young Adults (20-24)USAA$2,500
Young Adults (20-24)Farmers$2,905
Young Adults (20-24)Farmers Mutual of Nebraska$3,013
Young Adults (20-24)State Farm$3,142
Young Adults (20-24)Allstate$3,249
Young Adults (20-24)Iowa Farm Bureau$3,552
Young Adults (20-24)Geico$3,777
Young Adults (20-24)Auto-Owners$3,993
Young Adults (20-24)North Star Mutual$4,184
Young Adults (20-24)Progressive$4,555
Adults (25-60)Nationwide$1,478
Adults (25-60)USAA$1,783
Adults (25-60)Farmers Mutual of Nebraska$1,972
Adults (25-60)Allstate$2,038
Adults (25-60)State Farm$2,074
Adults (25-60)Farmers$2,127
Adults (25-60)Geico$2,320
Adults (25-60)Auto-Owners$2,534
Adults (25-60)Iowa Farm Bureau$2,596
Adults (25-60)North Star Mutual$2,763
Adults (25-60)Progressive$3,161
Seniors (65-75)Nationwide$1,243
Seniors (65-75)USAA$1,628
Seniors (65-75)Farmers Mutual of Nebraska$1,657
Seniors (65-75)State Farm$1,818
Seniors (65-75)Farmers$1,841
Seniors (65-75)Allstate$1,963
Seniors (65-75)Iowa Farm Bureau$2,062
Seniors (65-75)Auto-Owners$2,147
Seniors (65-75)Geico$2,233
Seniors (65-75)North Star Mutual$2,615
Seniors (65-75)Progressive$2,748

*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. 

Cheapest car insurance companies for tickets and accidents in South Dakota
CompanyClean record AccidentSpeeding Ticket
Nationwide$1,020$1,767$1,558
Kemper Insurance$1,167$3,556$3,252
American Family$1,260$1,458$1,620
USAA*$1,421$2,112$1,739
State Farm$1,511$1,654$1,582
Geico$1,624$2,946$1,821
Farmers$1,737$2,628$2,344
Auto-Owners$1,849$2,605$2,389
Allstate$1,907$2,901$2,242
Progressive$2,080$3,112$2,622

*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 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

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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