The Best Car Insurance in South Dakota for 2022
Financial stability, customer satisfaction and affordability are important factors that determine the best car insurance providers. Based on MoneyGeek’s scoring system, the best insurer in South Dakota is State Farm, with the highest affordability and claims scores in the state.
However, the best option for you will depend on your particular needs. For instance, GEICO is ideal for drivers on a budget, while USAA is a great choice for military families.
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The Best Car Insurance in South Dakota
MoneyGeek identified the best car insurance providers in South Dakota for a variety of driver profiles. In addition, if you’re looking for the cheapest car insurance in South Dakota, you can use MoneyGeek’s research to secure the most affordable coverage.
Why Trust MoneyGeek? Our scoring system for car insurance in South Dakota incorporates hundreds/thousands of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.
Best Full Coverage Car Insurance Companies in South Dakota: Overall
MoneyGeek found State Farm to be the best auto insurer in South Dakota, based on average costs, user satisfaction and claims scores.
The top two providers’ scores are:
- State Farm: MoneyGeek score of 78 out of 100 ($675 per year)
- GEICO: MoneyGeek score of 78 out of 100 ($751 per year)
MoneyGeek also compiled the cheapest full coverage auto insurance in South Dakota for those who prioritize savings.
THE TOP CAR INSURANCE COMPANIES IN SOUTH DAKOTA
State Farm has the highest affordability score and is tied for first in claims. It also tied for third in satisfaction and fifth for stability. Additionally, it offers rideshare insurance for interested policyholders.
Average Annual Cost: $675
With State Farm, you can get rideshare insurance if you’re working for a company like Uber or Lyft. This unique add-on allows the medical, roadside assistance and rental car reimbursement coverages in your policy to remain in effect when you are working. It also extends all coverages from your auto policy when the app is on and you’re available for hire. When you match with a rider or are transporting a passenger, all your coverages will remain, except for liability insurance. In addition, State Farm offers rental car and travel reimbursement coverage. Policyholders with this optional coverage are covered for car rentals up to chosen limits, travel expenses up to $500 and deductible repayment of up to $500 for an accident in a rental vehicle. Read MoneyGeek's State Farm auto insurance review.
GEICO ranked first for stability and tied for first in the satisfaction and claims categories. It also ranked second for affordability. Policyholders can get mechanical breakdown assistance from this company as an added coverage.
Average Annual Cost: $751
GEICO offers mechanical breakdown insurance (MBI) to policyholders with cars that are less than 15 months old with no more than 15,000 miles. This rare additional coverage provides better coverage than the typical dealer warranty at a more affordable cost. With this in your auto insurance policy, all parts and systems are covered, even those that are excluded from the warranty. Another coverage you can add to your GEICO policy is accident forgiveness coverage. This endorsement ensures that your insurance rate won’t go up as a result of your first at-fault accident. You can purchase accident forgiveness coverage or earn it if you’re over 21 and remain accident-free for at least five years. Read MoneyGeek's GEICO auto insurance review.
Allstate costs $848 on average per year and is tied for first in claims and satisfaction scores. The company ranks second for stability but only ranks fifth for the affordability score. It is one of the few insurers that offer custom parts coverage.
Allstate’s custom parts coverage covers loss to custom equipment, including bars, custom paint jobs, graphics and special carpeting. The insurer also provides portable electronics and media coverage, which covers any compact discs or similar items used with your car’s sound system.
American Family ties for second place in stability, ranks third for satisfaction and has an average annual cost of $802. However, it earned the lowest claims score in the state. Customers can add original equipment manufacturer (OEM) coverage to their policies.
With the company’s OEM coverage, you are assured that aftermarket parts will not be used to replace damaged parts of your car. American Family’s rideshare insurance varies based on where you live and is an inexpensive add-on for Lyft and Uber drivers.
Farmers costs $796 per year on average, ranking third for affordability. However, it has the state’s lowest scores for stability and satisfaction while ranking first for claims. Despite the low scores, Farmers offers some uncommon additional coverage options, such as glass deductible modification coverage.
With Farmers’ glass deductible modification coverage, you can reduce your comprehensive insurance deductible to $100 when the loss is glass-related. The company’s custom parts coverage pays for the cost of repairing or replacing aftermarket parts, such as custom wheels and infotainment systems. Both coverages are only available to individuals with comprehensive and collision coverage.
To identify the best full coverage car insurance in South Dakota, MoneyGeek collected quotes across the state using a sample driver with a full coverage policy. However, the exact cost of car insurance for each driver may vary significantly based on their driving history. You can find more details about average costs, sample drivers, policies and assumptions by reading our methodology.
MoneyGeek also used user satisfaction and claims scores from the NAIC and J.D. Power to determine these averages.
MoneyGeek's South Dakota Car Insurance Resources:
Best Car Insurance in South Dakota for Customer Service
Auto-Owners provides the best car insurance in South Dakota for customer service. MoneyGeek considered claims ratings and user satisfaction scores to rank insurers in the state for this category.
According to the criteria, the top car insurance providers in South Dakota had the following ratings:
- Auto-Owners: MoneyGeek score of 96 out of 100
- GEICO: MoneyGeek score of 87 out of 100
These two companies provide the best coverage when the cost is not considered, although GEICO also ranks among the best providers when pricing is one of the factors.
THE TOP TWO CAR INSURANCE COMPANIES IN SOUTH DAKOTA FOR SERVICE QUALITY
Auto-Owners is the best car insurance company in South Dakota when pricing is not considered, as this company has the highest claims, customer satisfaction and stability scores.
Auto-Owners Insurance offers rare diminished value coverage to its policyholders. Because a car’s value decreases after an accident, adding this coverage to your auto policy can protect your investment and ensure that you are compensated for a reduction in value. You can also purchase gap insurance and new car replacement coverages from Auto-Owners. If you get in an accident and are liable for damages to your car, gap insurance will cover the difference between the current value of your vehicle and the amount still owed on your lease or loan. Meanwhile, new car replacement will cover the cost of replacing your vehicle with the same make and model in case of a total loss. Since your car starts to lose its value the moment you drive it off the lot, this coverage can help protect your new investment.
GEICO is the second-best insurer in this category, with a user satisfaction score of 4.5 and a claims score of 4.0. You won’t need to trade reasonable pricing for quality coverage with this insurer, as GEICO ranks second in the state for affordability.
One of the additional coverages offered by GEICO is roadside assistance. Having this in your auto insurance policy is helpful when you’re stranded on the side of the road because it provides coverage for several roadside emergencies. These include towing to the nearest repair facility, jump-starting your car, replacing a flat tire with a functioning spare and winching your vehicle if it’s stuck on a publicly maintained roadway. Additionally, it covers fuel delivery to get you to your next destination and lockout services if you’re locked out of your vehicle. Rental car and travel reimbursement coverage is another add-on available with GEICO. If your vehicle isn’t driveable for more than 24 hours due to a covered claim, this optional coverage can pay up to a preset amount for a rental vehicle. That said, it won’t cover gas, mileage or additional coverage required by the rental company.
Best Car Insurance in South Dakota for Minimum Coverage
GEICO is MoneyGeek’s top pick for the best auto insurance company in South Dakota offering policies that only meet state minimum requirements.
The top scorers in this category are:
- GEICO: MoneyGeek score of 76 out of 100 ($314 per year)
- State Farm: MoneyGeek score of 71 out of 100 ($319 per year)
These companies offer the best rates and customer service for policies that only meet South Dakota’s minimum requirements. Note that while this is the cheapest option, it may not provide enough protection after an accident.
MoneyGeek also evaluated the cheapest minimum coverage car insurance in South Dakota for those who value savings.
MoneyGeek’s Pick: GEICO
The cheapest minimum coverage rate of $314 per year on average
Policyholders can secure airbag, anti-theft system and defensive driving discounts
MoneyGeek claims rating of 4.0
MoneyGeek user satisfaction score of 4.5
Policyholders do not receive discounts on paperless billing
No discounts for paying premiums in full
With GEICO, you can make considerable savings on your premium by bundling your auto insurance policy with its other insurance products, such as home, renters, condo or mobile home insurance. Similarly, you can receive a discount if you decide to insure more than one car with this company.
GEICO also provides several saving opportunities when you install certain safety and security equipment in your vehicle. These include airbags, anti-lock brakes, anti-theft systems and daytime running lights. You can save money based on your driver profile, as well. GEICO policyholders are qualified for discounts if they are over 50 years old, active or retired federal employees or members of a partner alumni organization, professional organization, sorority or fraternity. Furthermore, teachers may receive affinity-based discounts from this insurance provider.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in South Dakota for Young Drivers and Students
MoneyGeek analyzed insurance rates for drivers in their late teens or early 20s, as well as those in college, to determine that the best car insurance company in South Dakota for students and young drivers is Allstate.
If you are a student or young driver, you can consider the following insurers for affordable car insurance:
- Allstate: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 70 out of 100
We found that Allstate and GEICO provide a balance of customer service and affordable costs for students and young drivers.
For those focused on savings, MoneyGeek also gathered the cheapest car insurance in South Dakota for young drivers and students.
MoneyGeek’s Pick: Allstate
The cheapest car insurance coverage for young drivers, averaging $1,560 per year
Provides good student, distant student and driver’s education discounts
Claims score of 4 out of 5
User satisfaction rating of 4.5 out of 5
Does not offer common discounts like multiple car or defensive driving
It can be quite expensive to add young drivers and students to your auto insurance policy. However, Allstate can help you to achieve this at an affordable cost and with exceptional customer service. This is especially important when it comes to teen drivers, who are more likely to file claims due to their inexperience. Having quality service can ensure that claims get processed faster, giving you peace of mind during an otherwise stressful time.
If you are a young driver or student, you can lower your premium based on your profile. Allstate, in particular, offers discounts for completing the teenSMART driver education program. You can also get a discount if your school is 100 miles away from where your car is garaged or if you get good grades.Read MoneyGeek's Allstate Auto Insurance Review
Best Car Insurance in South Dakota for Seniors
MoneyGeek scored the top-rated providers in South Dakota based on customer satisfaction and the cost of car insurance for seniors. Our analysis identified the following as the best options:
- GEICO: MoneyGeek score of 87 out of 100 ($702 per year)
- State Farm: MoneyGeek score of 86 out of 100 ($648 per year)
We weighed affordability and customer satisfaction and scored these companies accordingly. For those who prioritize savings, you may browse our guide on the cheapest South Dakota car insurance for seniors.
MoneyGeek’s Pick: GEICO
Affordable rates for seniors at approximately $702 per year
Has roadside assistance, rental car and travel reimbursement and accident forgiveness
Offers discounts for senior drivers and defensive driving
High claims and satisfaction ratings
No discounts for paying in full or going paperless
Senior drivers tend to have higher insurance rates than their middle-aged counterparts. However, GEICO offers seniors a combination of affordable premiums and great customer service. Case in point, the company received a perfect rating of 5 out of 5 for customer satisfaction.
With GEICO, you can supplement your auto insurance policy with add-on coverages like roadside assistance and rental car and travel reimbursement. Roadside assistance covers services for roadside emergencies such as towing, jump-starting batteries, changing flat tires, winching vehicles and delivering fuel. It also covers lockout services for up to $100. Meanwhile, rental car and travel reimbursement pays for your rental car expenses if your vehicle isn’t driveable for more than 24 hours due to a covered accident.
GEICO also offers discounts for drivers who are at least 50 years old and those who completed a defensive driving course.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in South Dakota for Bad Driving Records
MoneyGeek determined that South Dakota’s cheapest and best auto insurance company for drivers with a bad driving record is State Farm.
We scored the companies that rank highest for drivers with poor driving records as follows:
- State Farm: MoneyGeek score of 84 out of 100 ($796 per year)
- American Family: MoneyGeek score of 81 out of 100 ($820 per year)
The best car insurance companies balance customer service with low costs for drivers with at-fault accidents.
If you’re looking to save money, MoneyGeek analyzed the cheapest car insurance in South Dakota for those with a DUI or bad record.
MoneyGeek’s Pick: State Farm
Affordable coverage after an at-fault accident at $796 per year on average
Offers roadside assistance and rental car reimbursement discounts
Claims and user satisfaction scores of 4.0 out of 5
Does not provide accident forgiveness, new car replacement or better car replacement
State Farm has the best car insurance coverage in South Dakota for individuals with a bad driving record. The company has claims and user satisfaction scores of 4.0 out of 5 and an average cost of $796 per year.
The company offers the following coverages that can come in handy if you encounter any issues on the road:
- Roadside Assistance: If you experience an issue with your car while driving, you can get assistance from State Farm. This includes towing, one hour of locksmith services, one hour of mechanical labor and the delivery of gas, oil, a battery or tires.
- Rental Car Reimbursement: If you rent a car, the company will cover the costs if your own vehicle is inoperable for more than two days.
Best Car Insurance in South Dakota for a Military Background
USAA is the best car insurance company in South Dakota for drivers with a military background, according to the MoneyGeek ranking system. The company received a perfect score of 100 out of 100, with perfect ratings across the various categories. Its policy costs about $172 for the state minimum policy and roughly $746 for drivers with a bad driving record.
MoneyGeek’s Pick: USAA
The cheapest full coverage policy in the state at an average cost of $561 per year
Claims and user satisfaction scores of 5 out of 5
Accident forgiveness coverage
Multiple car discount
Only former and current military members qualify for USAA policies
USAA has a reputation for providing the cheapest car insurance coverage in South Dakota, along with the best customer service. However, its policies are exclusively offered to active and former military members, as well as their families.
Some of the coverages and discounts offered by USAA include:
- Bundling Discount: Combining car insurance with renters or home insurance qualifies you for a discount with this insurer.
- Loyalty Discount: Policyholders qualify for lower premiums by staying with USAA for a long period.
- Accident Forgiveness: If you remain accident-free for five years, your insurance rates will not go up after your first at-fault accident.
- Rideshare Coverage: If your standard coverage does not include rideshare insurance, USAA can cover you for as little as $6 per month. This provides coverage while you’re waiting for a rideshare request.
Best Car Insurance in South Dakota for Those With New Cars
In South Dakota, the company with the highest MoneyGeek score for drivers with new cars is Allstate, with 71 out of 100.
MoneyGeek’s research includes the best car insurance companies in South Dakota for residents seeking a new car replacement policy. This coverage pays to replace your new car with the same make and model if it's damaged within the first few years.
However, new car replacement coverage is not part of the standard car insurance policy. You will need to pay an additional fee to get it.
MoneyGeek’s Pick: Allstate
New car replacement coverage
Claims rating score of 4 out of 5
User satisfaction rating of 4.5 out of 5
Relatively expensive coverage, averaging $848 per year
Does not offer better car replacement coverage to policyholders
Allstate is the best option in South Dakota for drivers with new vehicles due to its new car replacement coverage. Because a car tends to lose its value as soon as it’s driven off the lot, this additional coverage allows you to receive a new car of the same make and model in case you get in an accident or your vehicle gets damaged due to various other covered incidents.
With Allstate’s new car replacement coverage, you can financially protect your new investment. If your vehicle gets damaged or totaled in an accident, the company will replace it with a new car instead of just giving you a check for the depreciated value. However, your car must be two model years old or less to use this coverage.Read MoneyGeek's Allstate Auto Insurance Review
Best Car Insurance in South Dakota for Low-Mileage Drivers
The use of pay-per-mile insurance is becoming more common among insurers, as drivers can pay for car insurance according to the number of miles covered. It’s a money-saving option for people who don’t drive often.
In South Dakota, Nationwide SmartMiles is the best pay-per-mile car insurance program available.
MoneyGeek’s Pick: Nationwide
Nationwide Smartmiles provides the cheapest coverage for low-mileage drivers
For those who drive regularly, the costs may be higher than traditional car insurance coverage
Nationwide’s SmartMiles is ideal for low-mileage drivers. Basically, it’s a pay-per-mile program that uses a base rate and a variable rate (cost per mile). Because your variable rate depends on mileage, it will vary from one month to another based on the number of miles you drive. For road trips, it only applies to the first 250 miles. The program also factors in driver behavior and provides 10% discounts for safe drivers.
SmartMiles is best for those who drive less than average drivers. Reasons for not getting behind the wheel every day include working from home and having an extra car you rarely drive.Read MoneyGeek's Nationwide Auto Insurance Review
How to Find the Best Car Insurance in South Dakota For You
While buying car insurance in South Dakota, you can use MoneyGeek’s analysis to find the best coverage that balances cost, financial stability and service quality. While MoneyGeek has already carried out this research, you may decide to compare rates for yourself based on these three factors.
Research customer service reputations in South Dakota
MoneyGeek determined the cost of car insurance in South Dakota by sourcing quotes from several providers using a sample driver. We also used J.D. Power’s customer satisfaction study and the NAIC’s complaint ratios to estimate the average costs. Apart from the MoneyGeek scores, you can also use J.D. Power and NAIC rankings to identify the best coverage. You can also find useful information from the South Dakota Division of Insurance.
Compare the quotes
MoneyGeek used a sample driver to compare car insurance rates in South Dakota. However, the averages do not cover all locations within the state. It may be essential for you to compare quotes between at least three insurers to determine how much you will need to pay for car insurance in the state.
Make sure the company has coverages you want in South Dakota
While choosing where to purchase car insurance coverage in South Dakota, be sure to find out the types of discounts and coverage provided by your insurer of choice. A number of insurers may advertise a coverage or discount that is no longer available, or may not be offered in South Dakota.
Double-check financial stability ratings
The financial strength of an insurance company directly translates to its ability to settle your claims. Before purchasing car insurance from a company, check out its financial stability score. Regional insurance companies may have lower financial stability scores, which means they may not process your claims effectively.
FAQs About the Best Car Insurance in South Dakota
The cost of car insurance in South Dakota is influenced by several factors, including the amount of coverage purchased. By learning the answers to some frequently asked questions about auto insurance in this state, you can find the best policy for your needs.
About the Author
- GEICO. "Access Roadside Assistance With our Emergency Road Service Coverage." Accessed September 1, 2022.
- GEICO. "Rental Reimbursement: Renting A Car Or Other Vehicle." Accessed September 1, 2022.
- Nationwide. "SmartMiles." Accessed September 1, 2022.