Cheap Car Insurance in South Dakota (2024)
Where to find cheap car insurance:
- Auto-Owners has the cheapest liability car insurance rates in South Dakota. It charges an average of $20 a month for these minimum-coverage policies.
- State Farm has the cheapest full-coverage auto insurance for most drivers.
- Full-coverage car insurance quotes average $168 a month in South Dakota. Liability insurance costs $29 a month.
Cheapest full coverage in South Dakota: State Farm
USAA has South Dakota’s next-cheapest full-coverage rate. However, USAA is only available to the military community.
Full-coverage car insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $1,121 |
| Nationwide | $1,798 |
| American Family | $1,889 |
| Geico | $1,940 |
| Auto-Owners | $1,960 |
| State average | $2,016 |
| Farmers | $2,060 |
| Progressive | $2,351 |
| South Dakota Farm Bureau | $3,460 |
| USAA* | $1,565 |
Cheapest South Dakota liability coverage: Auto-Owners
USAA, American Family and State Farm also charge less than the state average.
Liability car insurance rates
| Company | Annual rate |
|---|---|
| Auto-Owners | $234 |
| American Family | $263 |
| State Farm | $269 |
| State average | $351 |
| Farm Bureau | $371 |
| Progressive | $371 |
| Geico | $438 |
| Farmers | $475 |
| Nationwide | $497 |
| USAA* | $238 |
Liability car insurance covers injuries and damage you cause to others. Full coverage adds collision and comprehensive, which cover damage to your own vehicle.
To get the cheapest rate for the amount of coverage you need, compare car insurance quotes from several companies while you shop around.
Cheapest rates for young drivers in South Dakota: State Farm
State Farm also has the cheapest car insurance for teens who want full-coverage policies. These rates average $2,917 a year, or $243 a month.
Car insurance rates for teen drivers
| Company | Liability annual | Full annual |
|---|---|---|
| State Farm | $900 | $2,917 |
| Farm Bureau | $933 | $7,018 |
| Auto-Owners | $1,002 | $4,122 |
| American Family | $1,038 | $5,409 |
| Geico | $1,126 | $4,528 |
| State average | $1,206 | $5,108 |
| Progressive | $1,578 | $7,805 |
| Farmers | $1,703 | $5,560 |
| Nationwide | $1,919 | $5,419 |
| USAA* | $653 | $3,192 |
Cheapest rates after a speeding ticket in South Dakota: State Farm
Auto-Owners has the next-cheapest rate for those with a speeding ticket, $1,960 a year.
A speeding ticket increases the average cost of car insurance by 18% to $199 a month. State Farm’s rate is 51% less than the state average for drivers with a ticket.
Car insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,179 |
| Auto-Owners | $1,960 |
| Geico | $2,225 |
| American Family | $2,264 |
| Nationwide | $2,384 |
| State average | $2,393 |
| Farmers | $2,558 |
| Progressive | $2,729 |
| Farm Bureau | $4,217 |
| USAA* | $2,020 |
Cheapest rates after an accident in South Dakota: State Farm
Auto-Owners has the next-cheapest rate at $2,198 a year.
Drivers with an accident pay an average of $2,883 a year for full-coverage, or $240 a month. This is 43% higher than the average for drivers with a clean record.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,243 |
| Auto-Owners | $2,198 |
| Farmers | $2,744 |
| State average | $2,883 |
| Nationwide | $2,972 |
| Geico | $3,060 |
| Progressive | $3,069 |
| American Family | $3,083 |
| Farm Bureau | $5,303 |
| USAA* | $2,273 |
Best rates after a DUI: State Farm
GEICO is the next-best company for cheap car insurance with a DUI, charging an average of $2,471 a year, or $206 a month.
In South Dakota, a DUI increases the average cost of full-coverage car insurance by 69% to $3,416 a year, or $285 a month.
Car insurance rates after a DUI
| Company | Annual rate |
|---|---|
| State Farm | $1,984 |
| Geico | $2,471 |
| Progressive | $2,485 |
| Auto-Owners | $2,743 |
| Farmers | $3,203 |
| State average | $3,416 |
| American Family | $3,481 |
| Nationwide | $3,845 |
| Farm Bureau | $7,208 |
| USAA* | $3,328 |
Best South Dakota rates for bad credit: Nationwide
Geico has the next-best rate for most drivers with bad credit.
Drivers with bad credit pay an average of 92% more for car insurance than those with good credit.
Car insurance rates with bad credit
| Company | Annual rate |
|---|---|
| Nationwide | $2,512 |
| Geico | $2,924 |
| American Family | $3,112 |
| Farmers | $3,142 |
| Auto-Owners | $3,854 |
| State average | $3,866 |
| Progressive | $3,992 |
| State Farm | $5,733 |
| Farm Bureau | $6,628 |
| USAA* | $2,895 |
South Dakota car insurance rates by city
Drivers in Sioux Falls pay an average of $1,799 a year, or $150 a month. This is 11% less than the state average of $168 a month. The average cost of car insurance in Rapid City is $177, which is 5% higher than the state average.
Car insurance rates average $167 a month in Pierre, which is lower than the state average by only $1 a month.
Car insurance rates by city
| City | Annual |
|---|---|
| Aberdeen | $1,788 |
| Belle Fourche | $2,178 |
| Box Elder | $2,095 |
| Brandon | $1,756 |
| Brookings | $1,724 |
| Dakota Dunes | $1,821 |
| Harrisburg | $1,797 |
| Huron | $1,901 |
| Madison | $1,820 |
| Mitchell | $1,849 |
| Pierre | $2,004 |
| Rapid City | $2,124 |
| Rapid Valley | $2,096 |
| Sioux Falls | $1,799 |
| Spearfish | $2,165 |
| Sturgis | $2,164 |
| Tea | $1,749 |
| Vermillion | $1,766 |
| Watertown | $1,730 |
| Yankton | $1,863 |
Car insurance laws in South Dakota
South Dakota requires drivers to have liability car insurance with uninsured motorist coverage. The penalties for driving without insurance include a fine, a driver’s license suspension and possible jail time.
South Dakota follows at-fault car accident laws. If you cause an accident, you are financially responsible for injuries to other people and damage to their property.
Minimum coverage for car insurance in South Dakota
- Bodily injury liability: $25,000 per injured person; $50,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $25,000 per injured person, $50,000 per accident
Higher limits and additional coverages are available for more protection.
SR-22 insurance in South Dakota
Let the insurance companies know about your SR-22 requirement upfront when you shop for insurance. Some companies don’t offer SR-22 certificates. Most that do add a filing fee of about $25 to your rate.
The actual price you pay for SR-22 insurance will depend largely on your driving record. You usually pay more for car insurance after a DUI than you do for driving without insurance.
Frequently asked questions
The average cost of car insurance in South Dakota is $168 a month for full coverage. The average cost of liability car insurance is only $29 a month.
No. South Dakota follows at-fault auto insurance laws. If you cause an accident, you’re required to pay for your victim’s medical bills and car repair costs.
Yes, it is illegal to drive without car insurance in South Dakota. The penalties include a fine, driver’s license suspension and possible jail time.