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 research, the best insurer in South Dakota is State Farm with the highest affordability and claims scores in the state.
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State Farm ranks highest among the car insurance companies in South Dakota when considering claims and affordability. However, your preferred insurer may differ based on your car insurance needs.
While shopping around for the most affordable car insurance in South Dakota, you can use MoneyGeek’s research to secure the best coverage regardless of service quality.
The Best Car Insurance in South Dakota
Best Car Insurance Companies in South Dakota: Overall
MoneyGeek also analyzed the best car insurance companies in South Dakota on average costs, user satisfaction and claims scores. From the findings, the best insurers in the state are:
- State Farm: MoneyGeek score of 3.9 out of 5
- GEICO: MoneyGeek score of 3.9 out of 5
USAA had the highest average MoneyGeek score of 5 out of 5 but is not featured among the best insurers overall since its policies are exclusively offered to current and former military members and their families.
The Top 5 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. Car insurance from the company costs an average of $675 per year and there’s rideshare insurance for interested policyholders.
If you get rideshare insurance from State Farm, it means that the medical, roadside assistance and rental car reimbursement coverages in your policy remain in effect when you are working for a ridesharing company. State Farm also offers rental car and travel reimbursement coverage. This pays 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 car insurance policies cost an average of $751 annually. The company 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 as an added coverage.
If you have a GEICO policy, you can get mechanical breakdown insurance (MBI) if your car is less than 15 months old, and you have not driven more than 15,000 miles. The mechanical breakdown insurance costs less than warranties from dealers and may also cover vehicle parts that are excluded from the warranty. GEICO’s accident forgiveness coverage ensures your rates won’t increase due to your first accident.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.Read MoneyGeek's Allstate auto Insurance Review
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 the cost of your coverage and is an inexpensive add-on for Lyft and Uber drivers.Read MoneyGeek's American Family auto Insurance Review
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.Read MoneyGeek's Farmers auto Insurance Review
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:
Compare the Best Insurance Options in South Dakota
The best car insurance in South Dakota depends on several key factors, such as financial stability, cost of coverage and service quality. Which company you prefer will depend on the combination of factors you prioritize the most, and which insurer has the coverage options you need.
MoneyGeek’s ratings allow you to compare the best car insurance companies in South Dakota and get reviews on your preferred provider.
Car Insurance Comparison Tool
Best Car Insurance in South Dakota for Customer Service
MoneyGeek also used claims ratings and user satisfaction scores to rank the best car insurance carriers in South Dakota, regardless of the rates. According to this combination, the top car insurance providers in the state are:
- Auto-Owners: MoneyGeek score of 4.8 out of 5
- GEICO: MoneyGeek score of 4.3 out of 5
From the scores, Auto-Owners and GEICO offer the best car insurance coverage when the cost is not considered. GEICO still ranks among the best providers when pricing is one of the factors.
The Top 2 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.
With Auto-Owners’ diminished value coverage, you get compensation for the decreased value of your vehicle after an accident. The company also offers gap insurance, which covers the difference between your car’s present value and the amount you still owe on your lease or loan.Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review
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.
GEICO provides roadside assistance that covers the cost of towing, jumpstarting your car or replacing flat tires, as well as lockout services. The company also offers rental car and travel reimbursement coverage in case your car isn’t drivable for more than 24 hours due to a covered incident.Read MoneyGeek's GEICO auto Insurance Review
Best Car Insurance in South Dakota for Drivers on a Budget
MoneyGeek also scored the best auto insurance companies in South Dakota based on policies that only meet the state minimum requirements. These companies offer the best rates and customer service for drivers on a budget.
From the scores, the best insurers are:
- GEICO: MoneyGeek score of 3.8 out of 5
- State Farm: MoneyGeek score of 3.5 out of 5
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
GEICO allows you to make considerable savings on your premium with its numerous discounts for things like safe driving, multiple cars and new vehicles. You can also pay less by installing an airbag or anti-theft system in your vehicle, and for always using your seat belt.
Best Car Insurance in South Dakota for Poor Driving Records
If you have a bad driving record, you can use MoneyGeek’s ranking to find the cheapest and best auto insurance companies in South Dakota for drivers with an at-fault accident.
Based on the research, the companies that rank highest for drivers with poor driving records are:
- State Farm: MoneyGeek score of 4.2 out of 5
- American Family: MoneyGeek score of 4.1 out of 5
These average scores balance customer service with low costs for drivers with an at-fault accident.
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 annual cost of $796.
If you get involved in an at-fault accident, the company will provide you with the following coverages:
Roadside assistance: If you experience an issue with your car while on the road, you will get assistance from State Farm Rental car reimbursement: If you get alternative transportation, for instance renting a car, the insurer will cover the costs if your car is out of usage for more than two days.
Best Car Insurance in South Dakota for a Military Background
USAA is the best car insurance provider in South Dakota for drivers with a military background, according to the MoneyGeek ranking system. The company scored 5 out of 5 across the various categories and 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. 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 USAA.
- Loyalty discount: Policyholders qualify for lower premiums by sticking with USAA for a long period.
- Accident forgiveness: If you remain accident-free for five years, your policy rates will not increase after your first at-fault accident.
- Rideshare coverage: If your standard coverage does not include rideshare insurance, USAA covers 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 Young Drivers and Students
MoneyGeek’s analysis also included the best car insurance companies in South Dakota in terms of customer service and affordability for students and young drivers.
If you are a student or young driver, you can consider the following insurers for affordable car insurance:
- Allstate: MoneyGeek score of 4.5 out of 5
- GEICO: MoneyGeek score of 3.5 out of 5
These two companies provide a balance of customer service and affordable costs for students and young drivers.
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
It can be quite expensive to add young drivers and students to your policy. However, Allstate helps you to achieve this at affordable costs and with exceptional customer service, which ensures that your claims get processed faster.
If you are a young driver or student, you will benefit from Allstate’s good student and distant student discounts, as well as a driver’s education discount which is available for policyholders who have completed a driver’s education course.
Best Car Insurance in South Dakota for Those With New Cars
MoneyGeek’s research includes the best car insurance companies in South Dakota for residents seeking a policy that has new car replacement coverage. This coverage caters to the cost of replacing your new car in case it gets damaged in the first couple of years.
If you happen to lose your car due to a covered loss, your insurer will replace it with the same make and model. In South Dakota, the company with the highest score in this category is Allstate, which has a MoneyGeek rating of 3.6 out of 5.
The new car replacement coverage does not form part of the standard car insurance policy. That means 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 offers great insurance for drivers of new vehicles due to its new car replacement coverage, which enables you to get a new car in case you get in an accident or your car gets damaged due to various other covered incidents.
With this coverage, Allstate will replace your car with the same make and model if your car gets damaged within two years.
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 pay-per-mile program works using base and variable rates depending on how many miles someone drives. 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.
How to Find the Best Car Insurance in South Dakota in 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.
MoneyGeek determined the cost of car insurance in South Dakota by partnering with Quadrant Information Services, using a sample driver with a 2010 Toyota Camry LE. The driver is a 40-year-old male whose comprehensive and collision car insurance coverage has a limit of 100/300/100 and a deductible of $1,000.
MoneyGeek obtained financial stability, customer satisfaction and claims data from AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC). The list of coverages and discounts were all taken from the insurance companies’ websites.
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