Cheapest Car Insurance in South Dakota (2025)
Best cheap car insurance in South Dakota
South Dakota’s cheapest full-coverage car insurance: State Farm
Though Progressive’s full-coverage insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. rate is higher than State Farm’s, it does offer loan/lease payoff coverage, which is similar to gap insurance. If your financed or leased car is a total loss after an accident, this coverage pays what you still owe on the car up to 25% of its actual cash value.
USAA has the state’s second-cheapest rate overall for full coverage, but it only sells car insurance to military members and their families.
Cheapest company for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,289 |  |
 | Progressive | $2,132 |  |
 | American Family | $2,171 | |
 | North Star Mutual | $2,265 | Not rated |
 | Nationwide | $2,306 |  |
 | Geico | $2,367 |  |
 | Farmers | $2,376 | |
 | USAA* | $1,650 | |
Cheap liability-only auto insurance in South Dakota: State Farm
State Farm and American Family are close in cost, but American Family offers more discounts than State Farm. They could make a big difference for you when shopping for or renewing a policy.
South Dakota law requires drivers to buy at least the state’s minimum amount of liability car insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. , which covers the medical and property damage bills of others after you cause an accident.
Cheapest company for minimum coverage
| Company | Annual rate |
|---|---|
| State Farm | $284 |
| American Family | $336 |
| North Star Mutual | $342 |
| Progressive | $352 |
| Geico | $475 |
| Farmers | $762 |
| Nationwide | $777 |
| USAA* | $257 |
Best car insurance in South Dakota for young drivers: North Star Mutual and State Farm
Parents looking for cheap car insurance for a young driver in your home should add them to your current car insurance policy. Your rates will increase, but should still be cheaper than if you each had your own policies.
Cheapest companies for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| North Star Mutual | $760 | $4,803 |
| State Farm | $947 | $3,272 |
| American Family | $1,324 | $6,229 |
| Progressive | $1,503 | $6,879 |
| Geico | $1,784 | $7,392 |
| Nationwide | $2,752 | $6,558 |
| Farmers | $2,772 | $6,939 |
| USAA* | $660 | $3,147 |
Cheap car insurance after a ticket in South Dakota: State Farm
After getting a speeding ticket in South Dakota, you can expect your car insurance to go up around 22%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,351 |
| North Star Mutual | $2,265 |
| Progressive | $2,478 |
| American Family | $2,601 |
| Geico | $3,057 |
| Farmers | $3,121 |
| Nationwide | $3,334 |
| USAA* | $2,015 |
Best car insurance rates after an accident in South Dakota: State Farm
The average South Dakota driver sees their car insurance rate go up about 54% after an accident.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,289 |
| Progressive | $2,777 |
| Farmers | $3,225 |
| American Family | $3,583 |
| North Star Mutual | $3,903 |
| Nationwide | $4,064 |
| Geico | $4,473 |
| USAA* | $2,124 |
South Dakota’s cheapest insurance for teens with a ticket or accident: North Star and State Farm
With State Farm, you can save up to 25% if your teen driver gets good grades. The savings may last until your teen turns 25, too.
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| North Star Mutual | $843 | $1,145 |
| State Farm | $1,038 | $947 |
| American Family | $1,434 | $2,313 |
| Progressive | $1,557 | $1,674 |
| Geico | $2,081 | $2,310 |
| Nationwide | $2,975 | $3,023 |
| Farmers | $3,477 | $3,554 |
| USAA* | $895 | $939 |
Cheap South Dakota car insurance rates after a DUI: State Farm
This is another instance where discounts could be the key factor in whether State Farm or Progressive is your cheapest choice. Compare quotes from both to get the best deal.
After a DUI, most South Dakota drivers see their car insurance go up by an average of 114%.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| State Farm | $2,218 |
| Progressive | $2,255 |
| Farmers | $3,392 |
| American Family | $3,999 |
| Nationwide | $5,415 |
| North Star Mutual | $6,513 |
| Geico | $8,269 |
| USAA* | $3,313 |
Cheapest South Dakota car insurance for bad credit: Geico
Geico offers more discounts than Progressive, and some of them are substantial. For example, you could save up to 23% on the comprehensive portion of your premium if your car has a built-in anti-theft system.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Geico | $3,385 |
| Progressive | $3,548 |
| American Family | $3,565 |
| North Star Mutual | $3,757 |
| Farmers | $3,763 |
| Nationwide | $3,961 |
| State Farm | $6,658 |
| USAA* | $3,053 |
South Dakota drivers with poor credit see their car insurance rates go up around 91%.
Insurance companies see a connection between credit score and the chances of filing a claim, and charge higher car insurance rates to offset costs. Learn your credit score for free at LendingTree Spring before you shop for insurance.
Best car insurance companies in South Dakota
While policy cost is an important factor when comparing car insurance quotes, an insurer’s ability to fulfill claims also is important. Both State Farm and Geico have excellent financial backing.
Geico’s overall customer satisfaction rating from J.D. Power is a bit worse than average, but it’s not bad given the size of the company.
South Dakota car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| American Family | 660 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| North Star Mutual | Not rated | A++ | Not rated |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
South Dakota insurance rates by city
Sioux Falls, the largest city in South Dakota, pays $1,894 a year for car insurance, on average. The state’s second-biggest city, Rapid City, pays about $2,134 a year. Aberdeen, the third-largest city, pays $1,845 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Aberdeen | $1,845 | -10% |
| Agar | $2,054 | 0% |
| Agency Village | $1,911 | -7% |
| Akaska | $2,035 | -1% |
| Alcester | $1,824 | -11% |
| Alexandria | $1,905 | -8% |
| Allen | $2,574 | 25% |
| Alpena | $1,915 | -7% |
| Amherst | $1,881 | -9% |
| Andover | $1,921 | -7% |
| Antelope | $2,510 | 22% |
| Arlington | $1,829 | -11% |
| Armour | $1,958 | -5% |
| Artesian | $1,916 | -7% |
| Ashland Heights | $2,085 | 1% |
| Ashton | $1,926 | -6% |
| Astoria | $1,887 | -8% |
| Athol | $1,902 | -8% |
| Aurora | $1,793 | -13% |
| Avon | $1,941 | -6% |
| Badger | $1,840 | -11% |
| Baltic | $1,876 | -9% |
| Barnard | $1,887 | -8% |
| Batesland | $2,494 | 21% |
| Bath | $1,880 | -9% |
| Belle Fourche | $2,126 | 3% |
| Belvidere | $2,458 | 19% |
| Bemis | $1,891 | -8% |
| Beresford | $1,812 | -12% |
| Big Stone City | $1,885 | -8% |
| Bison | $2,468 | 20% |
| Blackhawk | $2,156 | 5% |
| Blunt | $2,049 | -1% |
| Bonesteel | $2,139 | 4% |
| Bowdle | $2,001 | -3% |
| Box Elder | $2,089 | 1% |
| Bradley | $1,926 | -6% |
| Brandon | $1,803 | -12% |
| Brandt | $1,874 | -9% |
| Brentford | $1,912 | -7% |
| Bridgewater | $1,855 | -10% |
| Bristol | $1,901 | -8% |
| Britton | $1,926 | -6% |
| Brookings | $1,778 | -14% |
| Bruce | $1,809 | -12% |
| Bryant | $1,911 | -7% |
| Buffalo | $2,417 | 17% |
| Buffalo Gap | $2,329 | 13% |
| Bullhead | $2,467 | 20% |
| Burbank | $1,823 | -11% |
| Burke | $2,143 | 4% |
| Butler | $1,901 | -8% |
| Camp Crook | $2,418 | 17% |
| Canistota | $1,871 | -9% |
| Canova | $1,894 | -8% |
| Canton | $1,839 | -11% |
| Caputa | $2,162 | 5% |
| Carpenter | $1,909 | -7% |
| Carthage | $1,899 | -8% |
| Cavour | $1,915 | -7% |
| Chamberlain | $2,101 | 2% |
| Chancellor | $1,844 | -10% |
| Chelsea | $1,935 | -6% |
| Cherry Creek | $2,449 | 19% |
| Claire City | $1,882 | -9% |
| Clark | $1,933 | -6% |
| Clear Lake | $1,868 | -9% |
| Colome | $2,152 | 4% |
| Colonial Pine Hills | $2,133 | 4% |
| Colton | $1,870 | -9% |
| Columbia | $1,891 | -8% |
| Conde | $1,922 | -7% |
| Corona | $1,867 | -9% |
| Corsica | $1,969 | -4% |
| Cottonwood | $2,173 | 6% |
| Cresbard | $1,958 | -5% |
| Crooks | $1,833 | -11% |
| Custer | $2,293 | 11% |
| Dakota Dunes | $1,834 | -11% |
| Dallas | $2,142 | 4% |
| Dante | $1,945 | -6% |
| Davis | $1,838 | -11% |
| De Smet | $1,875 | -9% |
| Deadwood | $2,120 | 3% |
| Dell Rapids | $1,850 | -10% |
| Delmont | $1,921 | -7% |
| Denby | $2,494 | 21% |
| Dimock | $1,911 | -7% |
| Dixon | $2,142 | 4% |
| Doland | $1,970 | -4% |
| Draper | $2,457 | 19% |
| Dupree | $2,444 | 19% |
| Eagle Butte | $2,419 | 17% |
| Eden | $1,894 | -8% |
| Edgemont | $2,266 | 10% |
| Egan | $1,812 | -12% |
| Elk Point | $1,803 | -12% |
| Elkton | $1,809 | -12% |
| Ellsworth AFB | $2,092 | 2% |
| Elm Springs | $2,166 | 5% |
| Emery | $1,891 | -8% |
| Enning | $2,198 | 7% |
| Erwin | $1,842 | -11% |
| Ethan | $1,917 | -7% |
| Eureka | $2,000 | -3% |
| Fairburn | $2,277 | 11% |
| Fairfax | $2,141 | 4% |
| Fairview | $1,830 | -11% |
| Faith | $2,151 | 4% |
| Faulkton | $2,023 | -2% |
| Fedora | $1,908 | -7% |
| Ferney | $1,882 | -9% |
| Firesteel | $2,436 | 18% |
| Flandreau | $1,803 | -12% |
| Florence | $1,847 | -10% |
| Fort Meade | $2,163 | 5% |
| Fort Pierre | $2,108 | 2% |
| Fort Thompson | $2,117 | 3% |
| Frankfort | $1,925 | -7% |
| Frederick | $1,899 | -8% |
| Freeman | $1,904 | -8% |
| Fulton | $1,916 | -7% |
| Gann Valley | $2,073 | 1% |
| Garden City | $1,920 | -7% |
| Garretson | $1,840 | -11% |
| Gary | $1,892 | -8% |
| Geddes | $1,963 | -5% |
| Gettysburg | $2,057 | 0% |
| Glad Valley | $2,436 | 18% |
| Glencross | $2,432 | 18% |
| Glenham | $2,038 | -1% |
| Goodwin | $1,891 | -8% |
| Green Valley | $2,085 | 1% |
| Gregory | $2,138 | 4% |
| Grenville | $1,913 | -7% |
| Groton | $1,892 | -8% |
| Hamill | $2,145 | 4% |
| Harrisburg | $1,853 | -10% |
| Harrison | $1,956 | -5% |
| Harrold | $2,102 | 2% |
| Hartford | $1,845 | -10% |
| Hayes | $2,285 | 11% |
| Hayti | $1,887 | -8% |
| Hazel | $1,869 | -9% |
| Hecla | $1,911 | -7% |
| Henry | $1,843 | -11% |
| Hermosa | $2,246 | 9% |
| Herreid | $2,090 | 1% |
| Herrick | $2,134 | 4% |
| Highmore | $2,168 | 5% |
| Hill City | $2,175 | 6% |
| Hitchcock | $1,902 | -8% |
| Holabird | $2,141 | 4% |
| Hosmer | $1,957 | -5% |
| Hot Springs | $2,234 | 8% |
| Houghton | $1,896 | -8% |
| Hoven | $2,064 | 0% |
| Howard | $1,912 | -7% |
| Howes | $2,168 | 5% |
| Hudson | $1,827 | -11% |
| Hurley | $1,848 | -10% |
| Huron | $1,918 | -7% |
| Ideal | $2,152 | 5% |
| Interior | $2,496 | 21% |
| Ipswich | $1,956 | -5% |
| Irene | $1,863 | -10% |
| Iroquois | $1,901 | -8% |
| Isabel | $2,436 | 18% |
| Java | $2,065 | 0% |
| Johnson Siding | $2,158 | 5% |
| Kadoka | $2,463 | 20% |
| Kaylor | $1,887 | -8% |
| Keldron | $2,429 | 18% |
| Kennebec | $2,138 | 4% |
| Keystone | $2,122 | 3% |
| Kimball | $2,033 | -1% |
| Kranzburg | $1,881 | -9% |
| Kyle | $2,491 | 21% |
| Labolt | $1,881 | -9% |
| Lake Andes | $1,986 | -4% |
| Lake City | $1,890 | -8% |
| Lake Norden | $1,902 | -8% |
| Lake Preston | $1,870 | -9% |
| Lane | $1,877 | -9% |
| Langford | $1,910 | -7% |
| Lantry | $2,462 | 20% |
| Lead | $2,127 | 3% |
| Lebanon | $2,053 | 0% |
| Lemmon | $2,423 | 18% |
| Lennox | $1,827 | -11% |
| Leola | $1,979 | -4% |
| Lesterville | $1,882 | -9% |
| Letcher | $1,911 | -7% |
| Little Eagle | $2,467 | 20% |
| Lodgepole | $2,437 | 18% |
| Long Lake | $1,954 | -5% |
| Long Valley | $2,469 | 20% |
| Ludlow | $2,431 | 18% |
| Lyons | $1,795 | -13% |
| Madison | $1,871 | -9% |
| Manderson | $2,536 | 23% |
| Mansfield | $1,888 | -8% |
| Marion | $1,871 | -9% |
| Martin | $2,530 | 23% |
| Marty | $1,925 | -7% |
| Marvin | $1,901 | -8% |
| McIntosh | $2,433 | 18% |
| McLaughlin | $2,429 | 18% |
| Meadow | $2,436 | 18% |
| Menno | $1,898 | -8% |
| Midland | $2,446 | 19% |
| Milbank | $1,869 | -9% |
| Milesville | $2,444 | 19% |
| Miller | $2,023 | -2% |
| Mission | $2,511 | 22% |
| Mission Hill | $1,874 | -9% |
| Mitchell | $1,866 | -9% |
| Mobridge | $2,056 | 0% |
| Monroe | $1,874 | -9% |
| Morristown | $2,426 | 18% |
| Mound City | $2,050 | 0% |
| Mud Butte | $2,179 | 6% |
| Murdo | $2,436 | 18% |
| Nemo | $2,148 | 4% |
| New Effington | $1,891 | -8% |
| New Holland | $1,950 | -5% |
| New Underwood | $2,150 | 4% |
| Newell | $2,161 | 5% |
| Nisland | $2,151 | 4% |
| Norris | $2,463 | 20% |
| North Eagle Butte | $2,419 | 17% |
| North Sioux City | $1,834 | -11% |
| North Spearfish | $2,117 | 3% |
| Northville | $1,935 | -6% |
| Nunda | $1,849 | -10% |
| Oelrichs | $2,272 | 10% |
| Oglala | $2,521 | 22% |
| Okaton | $2,447 | 19% |
| Okreek | $2,369 | 15% |
| Oldham | $1,847 | -10% |
| Olivet | $1,904 | -8% |
| Onaka | $1,975 | -4% |
| Onida | $2,050 | 0% |
| Opal | $2,179 | 6% |
| Oral | $2,275 | 10% |
| Orient | $1,999 | -3% |
| Ortley | $1,888 | -8% |
| Ottumwa | $2,446 | 19% |
| Parkston | $1,901 | -8% |
| Parmelee | $2,513 | 22% |
| Peever | $1,893 | -8% |
| Philip | $2,471 | 20% |
| Pickstown | $1,949 | -5% |
| Piedmont | $2,147 | 4% |
| Pierpont | $1,912 | -7% |
| Pierre | $2,014 | -2% |
| Pine Ridge | $2,552 | 24% |
| Plainview | $2,168 | 5% |
| Plankinton | $1,903 | -8% |
| Platte | $1,976 | -4% |
| Pollock | $2,099 | 2% |
| Porcupine | $2,540 | 23% |
| Prairie City | $2,409 | 17% |
| Presho | $2,186 | 6% |
| Pringle | $2,310 | 12% |
| Pukwana | $2,067 | 0% |
| Quinn | $2,173 | 6% |
| Ralph | $2,448 | 19% |
| Ramona | $1,852 | -10% |
| Rapid City | $2,134 | 4% |
| Rapid Valley | $2,085 | 1% |
| Raymond | $1,922 | -7% |
| Redfield | $1,975 | -4% |
| Redig | $2,481 | 20% |
| Ree Heights | $1,972 | -4% |
| Reliance | $2,110 | 2% |
| Renner | $1,821 | -12% |
| Reva | $2,403 | 17% |
| Revillo | $1,880 | -9% |
| Ridgeview | $2,432 | 18% |
| Rockham | $1,962 | -5% |
| Roscoe | $2,009 | -2% |
| Rosebud | $2,492 | 21% |
| Rosholt | $1,886 | -8% |
| Roslyn | $1,916 | -7% |
| Rutland | $1,837 | -11% |
| Salem | $1,868 | -9% |
| Scenic | $2,186 | 6% |
| Scotland | $1,892 | -8% |
| Selby | $2,049 | 0% |
| Seneca | $1,976 | -4% |
| Shindler | $1,831 | -11% |
| Sinai | $1,807 | -12% |
| Sioux Falls | $1,894 | -8% |
| Sisseton | $1,904 | -8% |
| Sky Ranch | $2,418 | 17% |
| Smithwick | $2,274 | 10% |
| South Shore | $1,886 | -8% |
| Spearfish | $2,126 | 3% |
| Spencer | $1,873 | -9% |
| Springfield | $1,915 | -7% |
| St. Charles | $2,140 | 4% |
| St. Francis | $2,521 | 22% |
| St. Lawrence | $1,989 | -3% |
| St. Onge | $2,139 | 4% |
| Stephan | $2,125 | 3% |
| Stickney | $1,948 | -5% |
| Strandburg | $1,896 | -8% |
| Stratford | $1,874 | -9% |
| Sturgis | $2,144 | 4% |
| Summerset | $2,156 | 5% |
| Tabor | $1,894 | -8% |
| Tea | $1,808 | -12% |
| Timber Lake | $2,421 | 18% |
| Tolstoy | $2,050 | 0% |
| Toronto | $1,880 | -9% |
| Trail City | $2,432 | 18% |
| Trent | $1,839 | -11% |
| Tripp | $1,912 | -7% |
| Turton | $1,910 | -7% |
| Tuthill | $2,515 | 22% |
| Twin Brooks | $1,883 | -9% |
| Tyndall | $1,893 | -8% |
| Union Center | $2,210 | 7% |
| Utica | $1,885 | -8% |
| Vale | $2,147 | 4% |
| Valley Springs | $1,807 | -12% |
| Veblen | $1,918 | -7% |
| Vermillion | $1,799 | -13% |
| Viborg | $1,851 | -10% |
| Vienna | $1,921 | -7% |
| Virgil | $1,900 | -8% |
| Vivian | $2,137 | 4% |
| Volga | $1,795 | -13% |
| Volin | $1,883 | -9% |
| Wagner | $1,967 | -4% |
| Wakonda | $1,855 | -10% |
| Wakpala | $2,401 | 17% |
| Walker | $2,388 | 16% |
| Wall | $2,213 | 7% |
| Wallace | $1,908 | -7% |
| Wanblee | $2,499 | 21% |
| Wasta | $2,166 | 5% |
| Watauga | $2,428 | 18% |
| Watertown | $1,760 | -15% |
| Webster | $1,935 | -6% |
| Wessington | $1,914 | -7% |
| Wessington Springs | $1,929 | -6% |
| Westport | $1,884 | -9% |
| Wetonka | $1,884 | -9% |
| White | $1,801 | -13% |
| White Owl | $2,167 | 5% |
| White River | $2,477 | 20% |
| Whitehorse | $2,464 | 20% |
| Whitewood | $2,135 | 4% |
| Willow Lake | $1,941 | -6% |
| Wilmot | $1,896 | -8% |
| Winfred | $1,854 | -10% |
| Winner | $2,156 | 5% |
| Witten | $2,142 | 4% |
| Wolsey | $1,933 | -6% |
| Wood | $2,487 | 21% |
| Woonsocket | $1,919 | -7% |
| Worthing | $1,827 | -11% |
| Wounded Knee | $2,499 | 21% |
| Yale | $1,903 | -8% |
| Yankton | $1,836 | -11% |
| Zeona | $2,179 | 6% |
Minimum coverage for car insurance in South Dakota
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage coverage
South Dakota also requires 25/50 uninsured/underinsured motorist coverage. This means:
- $25,000 of uninsured/underinsured motorist coverage per person
- $50,000 of uninsured/underinsured motorist coverage per accident
Car insurance laws in South Dakota
South Dakota law does not require you to carry full-coverage car insurance. If you financed your car, though, your lending agreement will usually require it.
If your drivers license is suspended in South Dakota due to a DUI, you must file an SR-22 to reinstate it. An SR-22 is proof of financial responsibility, showing that you carry the minimum amount of liability car insurance South Dakota requires.
Your insurance company should file the SR-22 with the DMV for you. If you do not maintain the SR-22 for the required three years, your insurance company will notify the DMV and your license will be revoked again.
Frequently asked questions
The average cost of full-coverage car insurance in South Dakota is $2,070 a year, or $172 a month. Liability-only car insurance costs $448 a year, or $37 a month, on average.
South Dakota is an at-fault car insurance state, meaning the driver responsible for the accident pays for injuries and damages they caused.