Progressive offers South Dakota's most affordable car insurance, with monthly rates of $14 for minimum coverage and $55 for full coverage. Drivers save $36 monthly (51%) compared to state averages. Get quotes from Farmers Mutual of Nebraska, State Farm, GEICO and Auto-Owners too.
Cheapest Car Insurance in South Dakota
Updated: August 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in South Dakota for most drivers are Progressive, Farmers Mutual Ins Co of NE and State Farm, offering average savings of up to 51%.
Car insurance costs can be as low as $14 monthly for minimum coverage and $55 for full coverage policies on average in South Dakota.
To get the cheapest car insurance in South Dakota, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in South Dakota?
| Progressive | $14 | $55 | -51% |
| Farmers Mutual Ins Co of NE | $14 | $62 | -46% |
| State Farm | $18 | $91 | -23% |
| Geico | $27 | $99 | -11% |
| Auto Owners | $33 | $95 | -10% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Full Coverage Car Insurance Rates by ZIP Code
Enter your ZIP code to view average full coverage car insurance premiums in your area. Rates are calculated based on a driver profile of age 35 with good credit and a clean driving history.
Loading...
Best Car Insurance Rates by Category in South Dakota
Farmers Mutual of Nebraska offers the cheapest rates in South Dakota for 7 out of our 10 driver categories, while Progressive provides the most affordable coverage for adult drivers, senior drivers and those with a DUI. Find your specific rates in the table:
| Young Drivers | Farmers Mutual Ins Co of NE | $27 |
| Adult Drivers | Progressive | $13 |
| Senior Drivers | Progressive | $19 |
| Drivers With An Accident | Farmers Mutual Ins Co of NE | $23 |
| Drivers With A DUI | Progressive | $18 |
| Drivers With A Speeding Ticket | Farmers Mutual Ins Co of NE | $19 |
| Drivers With Bad Credit | Farmers Mutual Ins Co of NE | $30 |
| Drivers With Low Income | Farmers Mutual Ins Co of NE | $21 |
| Drivers With Newer Cars | Farmers Mutual Ins Co of NE | $21 |
| Drivers With Old Cars | Farmers Mutual Ins Co of NE | $11 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in South Dakota for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Farmers Mutual offers the lowest rates at $121 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farmers Mutual Ins Co of NE | $120 | $1,437 | -63% |
| Auto Owners | $297 | $3,570 | -7% |
| Western National Insurance | $205 | $2,463 | -36% |
| North Star Insurance | $228 | $2,733 | -29% |
| Farm Bureau | $290 | $3,483 | -9% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in South Dakota by City
Where you live in South Dakota affects your insurance costs based on local crime, accidents and traffic density. Progressive charges as little as $11 in Nunda but $19 with Farmers Mutual Ins Co of NE in Rapid City. Here are the cheapest providers for every South Dakota city.
Data filtered by:Results filtered by:
Select
City:Aberdeen
| Aberdeen | Progressive | $12 | -52% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in South Dakota By Driver Age Group
We analyzed car insurance rates across South Dakota for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young Drivers: Farmers Mutual Insurance Company of Nebraska (From $27/mo)
- Adult Drivers: Progressive (From $13/mo)
- Senior Drivers: Progressive (From $19/mo)
Cheapest Car Insurance For Young Drivers in South Dakota
Farmers Mutual of Nebraska offers South Dakota's lowest rates for young drivers. Minimum coverage costs $27 per month, saving drivers 68% compared to other providers. Farmers Mutual also leads for full coverage at $92 monthly, saving young drivers 63%.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $660 | $7,920 | -18% |
| Farmers Mutual Ins Co of NE | $190 | $2,284 | -76% |
| Western National Insurance | $496 | $5,948 | -38% |
| North Star Insurance | $452 | $5,423 | -44% |
| Farm Bureau | $581 | $6,969 | -28% |
Cheapest Car Insurance For Adult Drivers in South Dakota
Progressive offers South Dakota's most affordable car insurance for adults aged 26 to 64, with minimum liability coverage at $13 monthly and full coverage at $52 per month.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farmers Mutual Ins Co of NE | $120 | $1,437 | -63% |
| Auto Owners | $297 | $3,570 | -7% |
| Western National Insurance | $205 | $2,463 | -36% |
| North Star Insurance | $228 | $2,733 | -29% |
| Farm Bureau | $290 | $3,483 | -9% |
Cheapest Car Insurance For Senior Drivers in South Dakota
Progressive offers South Dakota seniors the lowest rates for both full and minimum coverage, with annual premiums of $680 and $224 respectively.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farmers Mutual Ins Co of NE | $128 | $1,535 | -66% |
| Auto Owners | $354 | $4,242 | -6% |
| North Star Insurance | $236 | $2,835 | -37% |
| Western National Insurance | $317 | $3,799 | -16% |
| Geico | $309 | $3,705 | -18% |
Cheapest Car Insurance For High-Risk Drivers in South Dakota
We studied four areas for profiles insurers consider high-risk in South Dakota including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Farmers Mutual of Nebraska (From $28/mo)
- Cheapest With a DUI: Progressive (From $18/mo)
- Cheapest With an Accident: Farmers Mutual of Nebraska (From $21/mo)
- Cheapest With a Speeding Ticket: Farmers Mutual of Nebraska (From $17/mo)
Cheapest Car Insurance For Bad Credit in South Dakota
Farmers Mutual of Nebraska offers South Dakota drivers with bad credit the most affordable car insurance rates. Annual premiums start at $334 for minimum coverage and $1,261 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farmers Mutual Ins Co of NE | $141 | $1,694 | -65% |
| Western National Insurance | $281 | $3,373 | -31% |
| North Star Insurance | $266 | $3,197 | -35% |
| Farm Bureau | $346 | $4,155 | -15% |
| Geico | $375 | $4,502 | -8% |
Cheapest Car Insurance With a DUI in South Dakota
Progressive ranks as the most affordable option for South Dakota drivers with DUIs, offering annual rates of $215. State Farm provides the next best value with premiums of $245 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| North Star Insurance | $401 | $4,806 | 4% |
| Western National Insurance | $205 | $2,463 | -46% |
| Farmers Mutual Ins Co of NE | $169 | $2,023 | -56% |
| Progressive | $336 | $4,033 | -12% |
| Farm Bureau | $400 | $4,797 | 4% |
Cheapest Car Insurance With an Accident in South Dakota
South Dakota drivers with an accident on their record can find the most affordable coverage through Farmers Mutual of Nebraska at $21 per month ($253 annually).
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Farmers Mutual Ins Co of NE | $120 | $1,437 | -63% |
| Auto Owners | $297 | $3,570 | -7% |
| Western National Insurance | $205 | $2,463 | -36% |
| North Star Insurance | $228 | $2,733 | -29% |
| Farm Bureau | $290 | $3,483 | -9% |
Cheapest Car Insurance With an Speeding Ticket
South Dakota drivers with speeding tickets can find the lowest insurance rates with Farmers Mutual of Nebraska. The provider offers minimum coverage at $205 per year, while full coverage costs $827 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Auto Owners | $223 | $2,680 | -16% |
| Farmers Mutual Ins Co of NE | $106 | $1,273 | -60% |
| North Star Insurance | $149 | $1,789 | -44% |
| Western National Insurance | $205 | $2,463 | -22% |
| Geico | $205 | $2,459 | -23% |
How to Get the Cheapest Car Insurance in South Dakota
Finding the most affordable insurance companies is just the first step to getting the best car insurance rates in South Dakota. Below are proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels including provider websites, independent agents, and comparison sites. Prices can vary significantly between providers, and different quote methods may yield different results.
- 2
Determine Your Coverage Needs
Review the coverage you need based on your vehicle's value, your assets, and state requirements. This helps avoid paying for unnecessary coverage while ensuring you have adequate financial protection.
- 3
Evaluate Coverage Levels
Consider adjusting your coverage levels and deductibles if you need to reduce costs. Carefully assess your financial situation, driving patterns, and vehicle value before making this decision.
- 4
Research Costs and Discounts
Look up average auto insurance costs for drivers with similar profiles to yours. Investigate available discounts and consider bundling home and auto insurance for additional savings.
- 5
Explore Alternative Insurance Options
Consider pay-per-mile car insurance if you drive infrequently or telematics programs that track driving habits. These alternatives often provide lower rates for safe, low-mileage drivers.
- 6
Improve Your Risk Profile
Work on improving your credit score and maintaining a clean driving record. Better credit and safe driving habits typically lead to lower insurance rates.
- 7
Choose a Cost-Effective Vehicle
Select a cheaper car to insure if you're planning to buy a vehicle. Older, reliable models typically cost less to insure and maintain.
Risks of Getting the Cheapest Car Insurance in South Dakota
South Dakota's minimum required car insurance coverage is 25/50/25 liability coverage. Drivers must carry $25,000 for bodily injury per person, $50,000 for total bodily injuries per accident and $25,000 for property damage per accident. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In South Dakota, average property damage claims hit $4,782 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
South Dakota faces severe weather threats that can damage vehicles, including hailstorms, blizzards, and tornadoes. The National Centers for Environmental Information reported significant weather-related property damage across South Dakota in 2023. Basic liability insurance won't cover weather damage to your vehicle. Add comprehensive coverage to protect against storm damage, particularly if you park outdoors.
Bodily injury damage is more likely to be higher than the minimum limits
South Dakota's minimum bodily injury coverage of $25,000 per person often falls short of actual claim costs. Average bodily injury claims in South Dakota reached $22,450 in 2023, according to the Insurance Information Institute. Rising medical costs mean you could face major out-of-pocket expenses. Consider increasing your coverage to $50,000 per person for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
South Dakota has an uninsured driver problem, with 7.8% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a growing problem in South Dakota, according to the National Insurance Crime Bureau, with increases in auto thefts in 2023. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it.
Cheap Car Insurance in South Dakota: Bottom Line
Progressive provides the most affordable car insurance in South Dakota, averaging $165 for minimum coverage and $662 for full coverage annually. Farmers Mutual Ins Co of NE, State Farm, GEICO and Auto Owners also offer competitive rates.
Cheap Car Insurance in South Dakota: FAQ
Below, we answer common questions about affordable car insurance in South Dakota to help you find the best rates.
What are the cheapest car insurance companies in South Dakota?
Progressive provides the most affordable car insurance in South Dakota, averaging $165 for minimum coverage and $662 for full coverage annually. GEICO, Farmers Mutual, State Farm and Auto Owners also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in South Dakota?
Farmers Mutual Insurance Company of Nebraska provides the lowest rates for young drivers in South Dakota, with monthly premiums starting at $27.
Who offers the cheapest car insurance rates for seniors in South Dakota?
Senior drivers in South Dakota can find the lowest rates with Progressive, offering monthly premiums averaging $19 for drivers aged 65 and older.
Who has the cheapest car insurance in South Dakota for bad credit?
Farmers Mutual of Nebraska provides the most affordable rates for bad-credit drivers in South Dakota, with monthly premiums starting at $28 for minimum coverage and $105 for full coverage.
Who has the cheapest car insurance in South Dakota with an accident?
Farmers Mutual of Nebraska offers the most affordable rates for South Dakota drivers with an accident, starting at $21 per month for minimum coverage.
Who has the cheapest car insurance in South Dakota with a DUI?
Progressive offers the cheapest car insurance after a DUI in South Dakota. Rates average $18 per month ($222 annually) for minimum coverage and $74 per month ($889 annually) for full coverage.
Who has the cheapest car insurance in South Dakota for those with a speeding ticket?
South Dakota drivers with speeding tickets can find the lowest rates with Farmers Mutual of Nebraska at $17 monthly for minimum coverage and $69 for full coverage.
Should you buy the cheapest car insurance in South Dakota?
The cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Progressive balances low prices with solid coverage options in South Dakota.
How We Found the Most Affordable Car Insurance in South Dakota
MoneyGeek collected auto insurance data from the Texas Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in South Dakota.
South Dakota Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in South Dakota
We compared car insurance companies in South Dakota that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in South Dakota.
The minimum coverage liability limits in South Dakota are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 27, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 27, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 27, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 27, 2025.