BestCar InsuranceSouth DakotaBest Car Insurance in South Dakota (May 2023)
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Allstate offers the best full coverage auto insurance in South Dakota. It also caters best to young adults and drivers with new cars, while Auto-Owners Insurance Co is the best option for minimum coverage. Western National is the best insurer for customer service and drivers with offenses. State Farm is the best option for seniors, and USAA is ideal for military members.
If pricing is your top concern, MoneyGeek has listed the cheapest auto insurance in South Dakota.
BestCar InsuranceSouth DakotaBest Car Insurance in South Dakota
Best Overall - American Family Insurance
Best for Service - Western National
Best for Minimum Coverage - Auto-Owners Insurance
Best for Young Adults - Allstate
Best for Seniors - State Farm
Best for Driving Offenses - Western National
Best for New Cars - Allstate
Best for Military - USAA
Best Overall for Car Insurance in South Dakota
Allstate provides the best full coverage auto insurance in South Dakota. The following are the top companies:
- Allstate: MoneyGeek score 90 out of 100 ($745 per year)
- American Family: MoneyGeek score 89 out of 100 ($832 per year)
Allstate is the cheapest insurer in the state and offers excellent customer service. If you want to save money, we have also determined the cheapest full coverage auto insurance in South Dakota.
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AllstateBest Overall
Score:90
Allstate is the best car insurance provider in South Dakota, according to MoneyGeek, based on its excellent ratings for coverage options, customer service and affordability. Allstate's full coverage policies are the cheapest in the state, costing an average of $745 per year, but its claim management can be improved.
More About Allstate
We compared 13 different insurance providers and determined that Allstate offers the best full coverage policies in South Dakota. The insurer also offers multiple add-ons, which can be beneficial for most drivers.
Allstate offers gap insurance which covers the gap between the amount you receive from your primary auto insurance settlement and the remaining balance you owe on your vehicle at the time of loss. In addition, the insurance company provides custom parts coverage, which is included in the comprehensive and collision policies. This coverage usually compensates for damage to custom equipment due to a comprehensive loss.
Examples of such equipment may include customized carpets, bars, elevated roofs, custom paintings, decals and graphics. In the event that your car is no more than two model years old, Allstate offers new car replacement coverage. It doesn't simply offer a payment based on the depreciated value, it will replace your vehicle entirely with a brand-new model.
2
American Family Insurance
Score:NaN
According to MoneyGeek's analysis, American Family is the second-best auto insurance provider in South Dakota due to its affordable pricing and high ratings for coverage options and customer satisfaction. It is the fourth-most cost-effective insurer with an average annual premium of $832 for full coverage insurance. However, it falls behind in terms of claims management.
More About American Family Insurance
American Family is the second-best car insurance company in South Dakota. The company offers affordable rates with good customer service. American Family also has a perfect coverage score and provides an extensive range of coverage options, including Original Equipment Manufacturer (OEM) coverage.
Policyholders can purchase OEM coverage, which pays for using original parts and systems when their car needs repairs after a covered incident. The insurer also offers gap insurance, which covers the difference between the amount you still owe on the vehicle and the cost to replace it.
American Family provides a variety of discounts, including a discount for new customers who switch from a competitor to American Family. Drivers who use automatic funds transfer (AFT) or set up recurring electronic payments also qualify for a discount.
3
Allstate
Score:90
Allstate is the best car insurance provider in South Dakota, according to MoneyGeek, based on its excellent ratings for coverage options, customer service and affordability. Allstate's full coverage policies are the cheapest in the state, costing an average of $745 per year, but its claim management can be improved.
More About Allstate
We compared 13 different insurance providers and determined that Allstate offers the best full coverage policies in South Dakota. The insurer also offers multiple add-ons, which can be beneficial for most drivers.
Allstate offers gap insurance which covers the gap between the amount you receive from your primary auto insurance settlement and the remaining balance you owe on your vehicle at the time of loss. In addition, the insurance company provides custom parts coverage, which is included in the comprehensive and collision policies. This coverage usually compensates for damage to custom equipment due to a comprehensive loss.
Examples of such equipment may include customized carpets, bars, elevated roofs, custom paintings, decals and graphics. In the event that your car is no more than two model years old, Allstate offers new car replacement coverage. It doesn't simply offer a payment based on the depreciated value, it will replace your vehicle entirely with a brand-new model.
4
American Family Insurance
Score:NaN
According to MoneyGeek's analysis, American Family is the second-best auto insurance provider in South Dakota due to its affordable pricing and high ratings for coverage options and customer satisfaction. It is the fourth-most cost-effective insurer with an average annual premium of $832 for full coverage insurance. However, it falls behind in terms of claims management.
More About American Family Insurance
American Family is the second-best car insurance company in South Dakota. The company offers affordable rates with good customer service. American Family also has a perfect coverage score and provides an extensive range of coverage options, including Original Equipment Manufacturer (OEM) coverage.
Policyholders can purchase OEM coverage, which pays for using original parts and systems when their car needs repairs after a covered incident. The insurer also offers gap insurance, which covers the difference between the amount you still owe on the vehicle and the cost to replace it.
American Family provides a variety of discounts, including a discount for new customers who switch from a competitor to American Family. Drivers who use automatic funds transfer (AFT) or set up recurring electronic payments also qualify for a discount.
How the Best Insurers in South Dakota Rank: MoneyGeek Scores and Costs
Allstate outperformed the other 12 insurance companies in South Dakota for its competitive pricing, excellent customer service and extensive coverage options. American Family came in second with more coverage options but it is less affordable.
Western National may also be suitable for South Dakota residents, as it offers excellent customer service. However, this insurer's scores for affordability and claims management are below average. Companies receive a MoneyGeek overall score if we find sufficient data for each scoring component.
Best Car Insurance in South Dakota for Customer Service
Western National provides the best auto insurance in South Dakota in terms of customer service, regardless of cost. MoneyGeek's top recommendations for quality service are:
- Western National: MoneyGeek score 91 out of 100 ($1,119 per year)
- Auto-Owners Insurance Co: MoneyGeek score 88 out of 100 ($939 per year)
The best auto insurance companies offer great customer service, and Western National excels in this regard. Auto-Owners Insurance Co may be more affordable, but Western National is the best, thanks to its excellent customer service.
pros
Excellent customer satisfaction rating
Provides extensive coverage options
Offers unique discounts
cons
Among the most expensive insurers in the state
Claims management is subpar
COMPANY HIGHLIGHTS
Western National is the best auto insurance company in South Dakota in terms of service quality. Even though the company's auto insurance rates are among the highest in the state, it offers various discounts to help you save money.
Western National offers a new customer discount that compensates you for maintaining continuous coverage with your previous carrier. As a Western National policyholder, you are also eligible for a loyalty discount beginning with your first policy renewal. The discount increases the longer you remain a Western National customer.
The insurer also offers multiple coverage options, such as gap insurance. If your vehicle is totaled, gap insurance helps you pay for the difference between what you owe and what the car is worth. Western National also offers full glass coverage that waives the deductible for repairing or replacing damaged auto glass.
What Makes an Insurer the Best for Customer Service?
An insurer delivers exceptional customer service when it responds quickly and effectively to your concerns. The best insurance company in South Dakota is receptive to customer complaints and thorough in its approach to solving issues.
Western National is MoneyGeek's choice for best customer service, based on customer feedback and high ratings from J.D. Power. Although Auto-Owners Insurance Co ranks second, its policies cost less.
Best Car Insurance in South Dakota for Minimum Coverage
Auto-Owners Insurance Co offers the best minimum coverage auto insurance in South Dakota. It adheres to the state's minimum liability requirements balancing affordability, customer service and coverage options. The best options in this category are:
- Auto-Owners Insurance Co: MoneyGeek score 92 out of 100 ($226 per year)
- State Farm: MoneyGeek score 91 out of 100 ($213 per year)
It’s important to note that minimum coverage only offers basic protection against liability costs and does not pay for damage to your vehicle. MoneyGeek evaluated the cheapest minimum coverage auto insurance providers in South Dakota for those exploring other options.
pros
Ranked third in terms of affordability out of 12 insurers
Above-average scores for coverage options, claims and customer satisfaction
Offers add-on coverages such as diminished value coverage
cons
More affordable options exist
COMPANY HIGHLIGHTS
MoneyGeek gave Auto-Owners Insurance Co high scores for customer satisfaction, pricing, claims administration and coverage options. The insurance company provides exceptional coverage options that will reduce your long-term expenses.
The company offers diminished value coverage, an uncommon type of coverage. This coverage safeguards your investment by compensating you for reduced value of your automobile after an accident. Auto-Owners Insurance Co also provides deductible modification coverage, which reduces your collision deductible in the event of an accident with another Auto-Owners-insured car.
This insurer also offers discounts, such as bundling, which allows you to save on premiums if you have a life insurance policy with Auto-Owners Insurance Co. Newcomers who request a premium estimate before the policy's effective date can also earn an early signing discount.
What Makes an Insurer the Best for Minimum Coverage?
A good minimum coverage policy provides the most affordable rates for state-mandated coverage levels, in addition to discounts that can further minimize your premium. Consider that few drivers lack the means to purchase full insurance coverage, which offers the preferred coverage. Be mindful also that you may sometimes compromise coverage for a low price.
Auto-Owners Insurance Co provides exceptional minimum coverage insurance in South Dakota that includes a multitude of discounts and essential services.
Best Car Insurance in South Dakota for Young Adults
Allstate provides the best auto insurance in South Dakota for young adults. The following companies offer South Dakota drivers in their 20s the most affordable premiums and superior service:
- Allstate: MoneyGeek score 90 out of 100 ($803 per year)
- American Family: MoneyGeek score 89 out of 100 ($978 per year)
While they often pay less for auto insurance than teenagers, drivers in their 20s typically pay more than middle-aged drivers. MoneyGeek recommends reviewing rates to locate the most affordable auto insurance for young adults in South Dakota.
pros
Cheapest insurance rates, at $803 a year
Above-average scores for customer satisfaction and coverage options
Provides unique insurance coverages
cons
Weak claims management
COMPANY HIGHLIGHTS
Allstate provides the best auto insurance for young adults in South Dakota, with excellent scores for affordability, customer satisfaction and coverage options. At $803 per year, it is the cheapest provider in the state. However, the quality of its claim management is subpar.
Young adults can take advantage of several discounts to further reduce the cost of their Allstate auto insurance. These include discounts for insuring multiple cars, bundling, safe driving and paperless billing. Additionally, the insurer offers a one-of-a-kind discount called responsible payment, which allows you to save money if you don’t receive a cancellation notice for non-payment during the preceding year.
Allstate offers multiple coverage options, including roadside assistance, gap insurance and accident forgiveness. The most distinctive offering, however, is its portable electronics and media coverage. It covers lost or stolen tapes, compact discs or similar items used with a vehicle’s audio system.
What Makes an Insurer the Best for Young Adults?
The best insurance company for young adults will optimize savings while offering outstanding service and coverage. Insurers usually charge higher premiums for young adults, so look for a policy that offers discounts. Allstate is MoneyGeek's top choice for young adults due to its affordable premiums, unique coverages and discounts.
Best Car Insurance in South Dakota for Seniors
State Farm provides the best auto insurance for senior drivers in South Dakota. The following insurance companies are the best for drivers in their 60s:
- State Farm: MoneyGeek score 90 out of 100 ($705 per year)
- Allstate: MoneyGeek score 89 out of 100 ($761 per year)
The insurance prices for drivers in their 60s are comparable to those in their 30s to 50s but increase after 70. Compare prices from different carriers to find the most affordable auto insurance in South Dakota for seniors.
pros
Ranks second in affordability among 12 insurers
Good customer satisfaction rating
Senior driver discount
cons
Weak claims management score
Lacks unique coverages
COMPANY HIGHLIGHTS
State Farm offers the second-cheapest auto insurance for seniors in South Dakota. Although it provides a limited number of coverage options, its add-ons are those that most drivers need. The insurer’s roadside assistance coverage includes mechanical repairs, towing, locksmith services and the delivery of numerous supplies.
State Farm's rental car and/or travel reimbursement coverage pays for car rental fees up to set limits, travel expenditures (meals, lodging and transportation) up to $500 and deductible reimbursement of up to $500 if you have an accident while driving a rented car.
The insurer also provides several discounts, including one specific to senior and retired drivers. It also offers a safe driving discount for policyholders who go three consecutive years without a violation and a discount for vehicles equipped with factory-installed daytime running lights (DRL).
What Makes an Insurer the Best for Seniors?
Seniors drivers are some of the safest drivers on the road but are more likely to experience severe injuries in an accident. Dependable auto insurance providers offer senior drivers affordable full coverage insurance that includes personal injury protection (PIP) to help offset medical costs.
State Farm offers coverage at an affordable price plus a variety of discounts that lower premiums, making it an excellent choice for senior drivers in South Dakota.
Best Car Insurance in South Dakota for Drivers With Offenses
Western National offers the best auto insurance for South Dakota drivers with offenses on their records, such as an at-fault accident, speeding ticket or DUI. The following are MoneyGeek's top picks based on pricing and service ratings:
- Western National: MoneyGeek score 93 out of 100 ($1,057 per year)
- State Farm: MoneyGeek score 90 out of 100 ($884 per year)
Out of 12 insurers, Western National offers the best balance between pricing, customer service and coverage options. In South Dakota, average rates increase by $171 after a speeding ticket, $403 after an at-fault accident and $856 after a DUI. Drivers with violations should shop around for the cheapest car insurance in South Dakota after an incident.
pros
Ranked third for affordability among 12 insurers
Excellent customer satisfaction rating
Offers unique coverages
cons
Weak claims management score
COMPANY HIGHLIGHTS
Western National is the best car insurance company in South Dakota for drivers with offenses. While it is the third most economical insurer in the state, discounts can further reduce the cost of a policy.
If you have successfully completed a defensive driving course and are 55 years or older, you may be eligible for a discount from Western National. The company also offers a new customer discount that rewards you for retaining continuous coverage with your former provider.
Western National also provides rare coverage options, including pet insurance. The company will cover up to $500 for veterinary expenses or the purchase of a new pet if your pet is injured or dies in an accident. Additionally, the sound system coverage pays for damages to audio, visual and data electronic equipment.
What Makes an Insurer the Best for Drivers With Offenses?
Generally, high-risk drivers pay significantly higher insurance premiums. A reputable insurance company offers low premiums, discounts, accident forgiveness and replacement cost coverages.
While Western National does not offer accident forgiveness coverage, its affordable rates, discounts and coverages make it the best choice for South Dakota drivers with offenses.
Best Car Insurance in South Dakota for Drivers With New Cars
Allstate offers the best auto insurance for drivers with new cars in South Dakota. The following providers provide new or better car replacement coverage:
- Allstate: MoneyGeek score 82 out of 100 ($1,173 per year)
- Kemper: MoneyGeek score 80 out of 100 ($913 per year)
While Kemper offers more reasonable premiums, Allstate's customer satisfaction and coverage options scores surpass its competitors.
If you have new car replacement coverage, your provider will replace your vehicle with a brand-new one of the same make and model. In addition, better care replacement coverage replaces your car with a newer model.
pros
Excellent customer satisfaction score
Offers new car replacement coverage
Provides extensive coverage options
cons
Claims management can be improved
COMPANY HIGHLIGHTS
Allstate provides the best car insurance for new car owners in South Dakota. Although its plans are not the cheapest, its customer service is excellent. Additionally, Allstate provides an array of discounts that can reduce the cost of your auto insurance. These include discounts for driving a new car, safe driving, paying in full, going paperless and bundling.
The insurer offers new car replacement coverage. If your vehicle is less than two model years old, Allstate will replace it with a brand-new model rather than only pay you the depreciated value. In addition, Allstate provides gap insurance, which covers the difference between your primary car insurance settlement and the outstanding sum owed on your automobile on the date of loss.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars need appropriate insurance coverage that safeguards their substantial investment. The ideal insurance provider will offer new or better car replacement, along with excellent service, at an affordable price.
Allstate provides many of the most popular coverages, such as gap insurance and new car replacement. In addition, it offers quality customer service and various discounts, making it a great option for drivers with new vehicles.
Best Car Insurance in South Dakota for Military Drivers
With a score of 93 out of 100, USAA topped MoneyGeek's list of the best auto insurance companies in South Dakota for service members and their families. The average annual rate for USAA's full coverage is $777, the second-lowest premium in the state.
USAA is the best option to consider if you meet its eligibility requirements because its premiums and coverages are specifically tailored to the needs of military personnel and their families.
pros
Ranks second for affordability, at $777 each year
Ranks first for customer satisfaction out of 13 insurers
Offers military discounts
cons
Fewer coverage options
Poor claims management
COMPANY HIGHLIGHTS
USAA is the best auto insurance company in South Dakota for service personnel and their families. In terms of customer satisfaction, it scored higher than 12 other insurers in the state. USAA's full coverage auto insurance is among the most affordable in South Dakota, costing an annual average of $777.
Additionally, the company offers discounts to help you save even more money. The military discount applies when you garage your car on base. Loyal customers also get discounts, as do those under 25 who were previously insured under their parents' USAA policy and purchase their own policy.
In addition to standard auto insurance coverage options such as coverage for rental cars and roadside assistance, USAA also offers accident forgiveness coverage.
How to Find the Best Car Insurance in South Dakota for You
When searching for the best auto insurance in South Dakota, always evaluate price, financial stability and customer satisfaction. MoneyGeek gathered data to help you choose the car insurance provider that best suits your requirements and goals. You can conduct additional research by taking the following steps.
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Research customer service reputations in South Dakota
MoneyGeek obtained car insurance quotes for a sample driver from various companies in South Dakota to discover the leading insurance companies. We also analyzed the J.D. Power customer satisfaction ratings and the NAIC complaint index. More information is available on the South Dakota Department of Revenue’s website.
2
Compare quotes
MoneyGeek compiled auto insurance information for multiple South Dakota regions. The findings may not, however, apply to all areas. Always obtain quotes from at least three providers and compare their pricing to determine whether an insurance company’s coverage matches your requirements.
3
Find the coverages you want in South Dakota
Although insurance companies advertise specific coverages and discounts, not all states may qualify for these offers. Always ask the insurance provider if it provides the plan that best meets your requirements in your area.
4
Check financial stability ratings
An insurer's financial stability rating can indicate its ability to pay claims. Compared to big insurance companies, which frequently have better financial standing, regional insurance companies in South Dakota may have lower ratings.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in South Dakota
The best insurance plan is the one that meets your requirements. You may find the following answers to frequently asked questions useful in making your decision.
About Mark Fitzpatrick
sources
- J.D. Power. "2022 U.S. Auto Insurance Study." Accessed February 2, 2023.
- South Dakota Department of Revenue. "Home." Accessed February 2, 2023.