South Dakota Car Insurance Quotes: Compare State Farm, Progressive and More

The state’s highest average car insurance quote is for a 20-year-old luxury sedan driver with full coverage, a DUI record and a poor credit score. This costs approximately $5,899 per year.

In South Dakota, the auto insurance providers with the largest market share include State Farm, Progressive and American Family. MoneyGeek obtained quotes for drivers of varying ages, credit scores and driving records from these insurers as well as other major state car insurers if you want to find the cheapest car insurance in South Dakota.

Using our analysis that outlines the average cost of car insurance in South Dakota, you can compare rates across different driver profiles and car insurers to come up with an estimate of your car insurance premium. However, our analysis does not include discounts offered by the insurance companies in the state.

MoneyGeek collected thousands of car insurance quotes in South Dakota. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare South Dakota Car Insurance Quotes

Compare State Farm Car Insurance Quote - State Farm

Compare Progressive Car Insurance Quote - Progressive

Compare American Family Car Insurance Quote - American Family

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Auto insurance from State Farm costs an average of $675 per year in South Dakota.

The most affordable quote from this insurer is for a 40-year-old SUV driver with state minimum coverage, no driving violation record and an excellent credit score. This costs around $272 per year.

The priciest car insurance quote in South Dakota applies to a 20-year-old luxury sedan driver with full coverage, an accident on their record and a poor credit score. This quote is approximately $3,437 per year.

Using the following table, you can choose the characteristics that fit your profile to compare the cost of state minimum and full coverage car insurance policies from State Farm.

State Farm Car Insurance Quotes in South Dakota

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• Coverage Level
  State Farm Average Annual Quote
• State Minimum Liability
  $329
• 100/300/100 Comprehensive/Collision
  $696

A car insurance policy from Progressive in South Dakota costs an average of $1,014 per year.

The most affordable policy applies to a 40-year-old SUV driver with the state’s minimum coverage, an excellent credit score and no traffic-related violation on record. This costs approximately $365 per year.

In contrast, Progressive’s most expensive car insurance quote in South Dakota costs approximately $6,817 per year. It’s for a 20-year-old luxury sedan driver with full coverage, a poor credit score and a prior accident on their record.

You can choose characteristics that match your profile from the table below to compare the cost of a state minimum and a full coverage car insurance policy.

Progressive Car Insurance Quotes in South Dakota

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• Coverage Level
  Progressive Average Annual Quote
• State Minimum Liability
  $442
• 100/300/100 Comprehensive/Collision
  $1,044

The average car insurance policy estimate from American Family costs approximately $802 per year in South Dakota.

A 40-year-old SUV driver in South Dakota with the state minimum insurance, a clean record and an excellent credit score gets the cheapest quote, which costs an average of $392 per year.

On the other hand, the state’s most expensive quote from this insurer costs about $3,542 per year. This is for a 20-year-old luxury sedan driver with full coverage, a DUI record and a poor credit score.

You can provide characteristics that suit your driving profile in the table below and compare the cost of a state minimum policy against full coverage car insurance.

American Family Car Insurance Quotes in South Dakota

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• Coverage Level
  American Family Average Annual Quote
• State Minimum Liability
  $475
• 100/300/100 Comprehensive/Collision
  $826

In South Dakota, the average cost of a car insurance policy from Farmers Mutual is $718 per year.

The cheapest car insurance quote from this company is for a 40-year-old driving an SUV with a full coverage policy, a clean driving record and an excellent credit score. This costs around $219 per year.

The most expensive car insurance quote from Farmers Mutual is for a 20-year-old luxury sedan driver with full coverage insurance, a DUI on their record and a poor credit score. This costs approximately $6,138 per year.

Drivers can use the table below to select details that match their driving profile to compare the cost of state minimum insurance and full coverage car insurance policies.

Car insurance policies from USAA cost approximately $561 per year and are only available to military families.

The most affordable car insurance quote in South Dakota from USAA is roughly $146 per year. This policy is for a 40-year-old SUV driver with a state minimum policy, a clean driving record and an excellent credit score.

Meanwhile, a 20-year-old luxury sedan driver with full coverage, a poor credit score and a DUI gets the most expensive quote, which costs around $4,882 per year.

You can compare rates for the state minimum and full coverage car insurance policies from USAA by providing your profile details in the table below.

USAA Car Insurance Quotes in South Dakota

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• Coverage Level
  USAA Average Annual Quote
• State Minimum Liability
  $177
• 100/300/100 Comprehensive/Collision
  $578

The average car insurance quote from Farmers costs approximately $796 per year in South Dakota.

A 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance gets the cheapest car insurance quote in South Dakota, costing around $321 per year.

On the other hand, the insurer’s most expensive quote applies to a 20-year-old luxury sedan driver with a full coverage policy plus a prior accident record and a poor credit score. This policy costs around $4,964 per year.

South Dakota drivers can select attributes that fit their profile from the table below to estimate how prices change between the state minimum and full coverage car insurance.

Farmers Car Insurance Quotes in South Dakota

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• Coverage Level
  Farmers Average Annual Quote
• State Minimum Liability
  $389
• 100/300/100 Comprehensive/Collision
  $821

GEICO’s car insurance policies in South Dakota cost an average of $751 per year.

The company’s most affordable quote costs an average of $267 per year. It is for a 40-year-old SUV driver with state minimum coverage, a clean driving record and an excellent credit score.

Meanwhile, a 20-year-old luxury sedan driver with full coverage, a DUI and a poor credit score gets the most expensive quote from GEICO, costing approximately $10,461 annually.

Using the following table, you can select characteristics that match your profile to compare price changes between the state minimum policy and full coverage insurance.

GEICO Car Insurance Quotes in South Dakota

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• Coverage Level
  GEICO Average Annual Quote
• State Minimum Liability
  $324
• 100/300/100 Comprehensive/Collision
  $774

South Dakota drivers can use various methods to find out their car insurance rates, which include getting car insurance quotes. Besides personal research, you can also use MoneyGeek’s analysis to determine how much you are likely to pay for car insurance coverage.

MoneyGeek’s research includes quotes sourced from the major car insurers in South Dakota to help you compare costs for your unique profile. You may also use MoneyGeek’s South Dakota’s car insurance calculator if you want to get more precise figures. You can even compare prices by getting quotes directly from the state’s car insurers through their personalized online quotation tools if you wish to get your exact rates. This method, however, is very time-consuming.

Auto Insurance Calculator

State

South Dakota

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$183

2.

Farmers Mutual of Nebraska

$261

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You can get car insurance quotes in South Dakota through an insurance broker or agent. You may also get a quick quote through the insurer’s online quote tool. You will be required to provide certain details before getting the quote, like your personal and vehicle details. Also, you will need to specify how much coverage you wish to purchase.

MoneyGeek determined the time required to obtain quotes from major insurers in South Dakota using their online car insurance quote tools. Based on our findings, State Farm, Progressive and Nationwide have the fastest online quote process. MoneyGeek also lists the companies that only provide quotes through a broker or agent and companies that don’t have an online quote tool.

State Farm provides an online tool that drivers can use to get car insurance quotes within two minutes. Drivers can also change the coverage levels after receiving the quote and get new prices.

Progressive has an online tool that allows you to get car insurance quotes in about two minutes. The tool also allows you to change the coverage level on your quote to get updated prices.

You can get an online quote from the American Family website. Getting a quote from this car insurer will take you around three minutes. Unlike most other car insurers in the state, American Family does not allow coverage level changes after getting your initial quote.

The Farmers Mutual website does not have an online tool that drivers can use to get an estimate of their car insurance costs from the company.

USAA provides an online quote tool for military families to estimate their car insurance premiums. However, we were unable to use the tool.

Farmers offers an option to get a quote online through its website. However, the site returned an error message when we tried using it and provided a customer service number that drivers can call to get assistance.

Customers can obtain an online quote from Nationwide’s website. MoneyGeek obtained a quote using the online tool for its sample driver in two minutes. Like most other insurers, you can change your coverage amount and get a new rate after you receive your quote.

GEICO has an online tool that allows you to get a quote for your unique profile. Using their tool, we were able to get a quote within three minutes. The tool also allows you to change your coverage level and receive new premium estimates after receiving your initial quote.

De Smet Farm Mutual lacks an online tool that customers can use to get a car insurance quote from the company. To obtain a quote, you will need to contact the company directly.

Auto-Owners Insurance Company does not have an online tool to help you get a car insurance quote for your profile. You’ll need to reach out to an Auto-Owners agent to request an estimate.

It should only take a few minutes to obtain car insurance quotes in South Dakota online. MoneyGeek answered frequently asked questions about getting car insurance rates in the state to ensure you have a good starting point when looking to get a quote.

About the Author

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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

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