Updated: October 15, 2026
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Cheapest Car Insurance Companies and Rates in South Dakota:
Cheapest Full Coverage: Progressive $65/month
Cheapest Minimum Coverage: FMNE $15/month
Cheapest for Teen Drivers: FMNE $140/month
Cheapest for Seniors: Progressive $55/month
Cheapest With a DUI: Progressive $88/month
Cheapest With a Speeding Ticket: FMNE $79/month
Cheapest With an At-Fault Accident: FMNE $90/month
Cheapest With Bad Credit: FMNE $121/month
FMNE is the cheapest minimum coverage option in South Dakota at $15 a month, $1 less than Progressive for the same coverage. Progressive is the cheapest full coverage option at $65 a month, just $2 less than FMNE's $67, and GEICO is the priciest of the five carriers compared here at $103 a month, $456 more a year than Progressive for the same protection.
Full coverage costs $50 more per month than FMNE's cheapest minimum policy, $600 a year. If your car is worth less than $4,000, that annual premium is closing in on the value of the car itself — a minimum coverage plus a repair fund is the better financial choice. Above that value, comprehensive and collision protection matters in South Dakota specifically because animal collisions make up 26% of all crashes here. If you finance or lease, your lender requires comprehensive and collision regardless of vehicle value.
Progressive | $16 | $65 |
FMNE | $15 | $67 |
Allstate | $50 | $94 |
State Farm | $19 | $94 |
GEICO | $28 | $103 |
FMNE is the cheapest insurer for teens and young drivers in South Dakota across the entire 16-to-25 age range. A 16-year-old male on a family policy pays $140 a month with FMNE; a 16-year-old female pays $141. Both rates fall to $72 to $73 a month by 25. Re-quote at 25 when your teen moves off youth pricing and into adult rates to save even more.
16 | FMNE | $141 | FMNE | $140 |
17 | FMNE | $132 | FMNE | $131 |
18 | FMNE | $123 | FMNE | $122 |
19 | FMNE | $107 | FMNE | $107 |
20 | FMNE | $99 | FMNE | $98 |
21 | FMNE | $91 | FMNE | $90 |
22 | FMNE | $83 | FMNE | $83 |
23 | FMNE | $78 | FMNE | $77 |
24 | FMNE | $74 | FMNE | $74 |
25 | FMNE | $73 | FMNE | $72 |
Progressive has the cheapest car insurance for seniors in South Dakota at $55 a month, $4 less than FMNE's $59. Progressive also scores higher on customer experience, a difference that matters more here since seniors file claims more often than midlife drivers. Choosing FMNE over Progressive could make sense if you're already bundled with them and don't want to unwind that discount; FMNE's lower claims-handling score is the tradeoff you'd be accepting for that $4.
Progressive | $55 | 3.90/5 |
Farmers Mutual Ins Co of NE | $59 | 3.50/5 |
State Farm | $86 | 3.80/5 |
Geico | $96 | 3.65/5 |
Allstate | $99 | 3.56/5 |
Brookings, Madison and Watertown have South Dakota's cheapest minimum coverage rates at $11 a month, all with Progressive. Progressive is also cheapest for minimum coverage in the state's most expensive city, Rapid City, at $19 per month. However, FMNE is less expensive than Progressive in five western cities (Belle Fourche, Pierre, Spearfish, Sturgis and Box Elder) at $13 to $15 a month, so get a second quote from FMNE if you live in one of those cities.
Outside these cities, South Dakota's rural stretches carry higher deer-collision risk, so don't drop comprehensive coverage from your full coverage policy just because a nearby city's minimum coverage quote looks cheap.
Brookings | Progressive | $11 | $132 |
Madison | Progressive | $11 | $132 |
Watertown | Progressive | $11 | $132 |
Aberdeen | Progressive | $12 | $144 |
Canton | Progressive | $12 | $144 |
Dell Rapids | Progressive | $12 | $144 |
Milbank | Progressive | $12 | $144 |
Mitchell | Progressive | $12 | $144 |
Vermillion | Progressive | $12 | $144 |
Yankton | Progressive | $12 | $144 |
Belle Fourche | FMNE | $13 | $156 |
Brandon | Progressive | $13 | $156 |
Huron | Progressive | $13 | $156 |
Pierre | FMNE | $13 | $156 |
Spearfish | FMNE | $13 | $156 |
Sturgis | FMNE | $13 | $156 |
Tea | Progressive | $13 | $156 |
Box Elder | FMNE | $15 | $180 |
Sioux Falls | Progressive | $16 | $192 |
Rapid City | Progressive | $19 | $228 |
Progressive is cheapest after a DUI at $88 a month for full coverage, plus it files South Dakota's required SR-22 certificate directly with the DMV. South Dakota requires that filing for three years after a DUI, and any lapse in coverage during that window resets the clock, so re-quote with Progressive first and keep continuous coverage once you're on it.
FMNE is cheapest for every other violation: $79 per month after a speeding ticket, $83 for texting while driving and $90 after an at-fault accident. Drivers with bad credit should also quote with FMNE for the cheapest full coverage rate in South Dakota at $121 a month.
Speeding Ticket | FMNE | $79 |
At-Fault Accident | FMNE | $90 |
DUI | Progressive | $88 |
Texting While Driving | FMNE | $83 |
Bad Credit | FMNE | $121 |
Switching carriers is South Dakota's biggest single saving move — you could lower your bill by $38 per month just by choosing Progressive over GEICO for full coverage. Dropping to minimum coverage saves another $50 a month. Bundling, a mature-driver course, violation re-shopping and credit improvement can trim your rate further from there.
The difference between South Dakota's cheapest and most expensive full coverage carrier is $38 a month: Progressive at $65 versus GEICO at $103. Re-quote at every renewal to confirm you're still with the best-priced carrier for you.
Minimum and full coverage in South Dakota differ by $50 a month: FMNE charges $15 for minimum, Progressive charges $65 for full. South Dakota is an at-fault state, so minimum coverage pays nothing toward your own vehicle after an accident you cause.
The best bundling discounts in South Dakota range from 8% (Nationwide) to 28% (State Farm), saving State Farm policyholders $1,337 a year on their combined home and auto premium. South Dakota's cheapest full coverage carrier (Progressive) and cheapest minimum coverage carrier (FMNE) both advertise bundling, but confirm your specific bundled quote directly with the insurer rather than assuming top-tier savings.
An at-fault accident adds $23 a month to FMNE's clean-record rate; a DUI adds the same $23 to Progressive's clean rate. South Dakota's look-back window runs 3 to 5 years depending on the violation, so re-quote within 30 days of the 3-year mark.
Allstate advertises a driver-safety-course discount of up to 15% for South Dakota policyholders. Applied to Allstate's $94 full coverage rate, that's about $14 off, bringing it to roughly $80, still above Progressive's $65 but worth asking about if you're already with Allstate. Confirm the discount's eligibility rules and current percentage with Allstate before enrolling.
South Dakota permits credit-based pricing, and FMNE charges $121 a month with poor credit versus $67 with a clean record, $54 more a month or $648 a year. Re-quote 30 to 45 days before renewal once your score improves.
FMNE has the cheapest minimum coverage in South Dakota at $15 a month, and Progressive has the cheapest full coverage at $65 a month.
Yes. South Dakota requires an SR-22 certificate for 3 years following a DUI, filed by your insurer directly with the DMV, and any lapse in coverage during that window resets the 3-year clock.
We strongly recommend comprehensive coverage if your vehicle is worth more than roughly $4,000. Animal collisions make up 26% of all crashes in South Dakota, and only comprehensive coverage pays for that kind of damage.
Yes, South Dakota mandates uninsured and underinsured motorist coverage at 25/50 limits, matching its bodily injury liability minimums.
We analyzed rates from 11 South Dakota insurance companies using data from Quadrant Information Services, which collects actual filed rates from carriers across every ZIP code in the state. Our baseline profile is a 40-year-old driver with a clean record, good credit and a 100/300/100 full coverage policy with a $1,000 deductible. Additional profiles cover young drivers, seniors, violation histories and credit tiers, each holding all other variables constant.
See our full car insurance methodology for a complete explanation of how we collect, analyze and present rate data.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
