Compare Rates and Save on Auto Insurance

widget-location-pin

Farmers Mutual of Nebraska provides the cheapest auto insurance in South Dakota for minimum coverage. American Family and Allstate also have the lowest rates for certain types of drivers.

The best insurance options in South Dakota are ranked to help you evaluate both cost and service quality.

MoneyGeek Logo IconCheapestCar InsuranceSouth Dakota
2023

Table of Contents

Cheapest Minimum Liability Car Insurance in South Dakota (September 2023)

The cheapest minimum coverage auto insurance in South Dakota is provided by the following companies:

  • Farmers Mutual of Nebraska: $220 per year
  • Nationwide: $231 per year

With an average annual premium of $483, Allstate has the most expensive minimum coverage car insurance in South Dakota.

The coverages that must be purchased in order to meet the state’s minimum auto insurance requirements include property damage liability, bodily injury liability and uninsured/underinsured motorist coverage.

Company
Annual Premium
Monthly Premium

Farmers Mutual of Nebraska

$220

$18

Farmers Mutual of Nebraska

$220

$18

Nationwide

$227

$19

Nationwide

$231

$19

State Farm

$245

$20

Iowa Farm Bureau

$249

$21

American Family

$256

$21

State Farm

$256

$21

GEICO

$268

$22

Kemper

$273

$23

Kemper

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$280

$23

American Family

$298

$25

GEICO

$301

$25

Iowa Farm Bureau

$308

$26

State Farm

$314

$26

Farmers

$317

$26

Western National

$321

$27

American Family

$325

$27

Farmers Mutual of Nebraska

$330

$27

Nationwide

$330

$28

Farmers

$339

$28

Progressive

$346

$29

Progressive

$349

$29

GEICO

$355

$30

Iowa Farm Bureau

$360

$30

Auto-Owners Insurance Co

$360

$30

Western National

$371

$31

Farmers

$377

$31

Kemper

$401

$33

Progressive

$419

$35

Western National

$465

$39

Allstate

$483

$40

Allstate

$496

$41

Allstate

$522

$44

American Family

$647

$54

American Family

$681

$57

Kemper

$713

$59

Nationwide

$742

$62

Farmers Mutual of Nebraska

$754

$63

Kemper

$796

$66

American Family

$801

$67

State Farm

$815

$68

Farmers Mutual of Nebraska

$845

$70

Nationwide

$846

$70

Farmers

$860

$72

Allstate

$871

$73

Allstate

$894

$75

State Farm

$919

$77

Allstate

$934

$78

Farmers

$942

$79

Auto-Owners Insurance Co

$988

$82

GEICO

$1,007

$84

Nationwide

$1,037

$86

Iowa Farm Bureau

$1,064

$89

Farmers

$1,097

$91

GEICO

$1,113

$93

Auto-Owners Insurance Co

$1,136

$95

State Farm

$1,144

$95

Kemper

$1,145

$95

Iowa Farm Bureau

$1,210

$101

Farmers Mutual of Nebraska

$1,219

$102

Progressive

$1,297

$108

Western National

$1,307

$109

GEICO

$1,396

$116

Iowa Farm Bureau

$1,444

$120

Western National

$1,451

$121

Auto-Owners Insurance Co

$1,457

$121

Progressive

$1,594

$133

Western National

$1,898

$158

Progressive

$1,904

$159

A minimum coverage policy in South Dakota only covers third-party injuries and property damage, along with damage caused by uninsured/underinsured motorists. If you want increased coverage, look into collision and comprehensive coverage that also protects you and your auto.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin
Loading...

Cheapest Full Coverage Car Insurance in South Dakota (September 2023)

The following companies offer full coverage auto insurance in South Dakota at the most affordable rates:

  • American Family: $647 per year
  • Kemper: $796 per year

Progressive charges roughly $1,594 annually, making it the most expensive option in the state.

If you upgrade your minimum coverage policy to one with comprehensive and collision coverage, your annual premium will increase. For example, American Family costs $391 more for full coverage than for minimum coverage.

If you have to file a claim, full coverage auto insurance offers more protection from both on- and off-road incidents. It covers your own medical bills and property damage, in addition to third-party coverage.

Company
Annual Premium
Monthly Premium

Farmers Mutual of Nebraska

$220

$18

Farmers Mutual of Nebraska

$220

$18

Nationwide

$227

$19

Nationwide

$231

$19

State Farm

$245

$20

Iowa Farm Bureau

$249

$21

American Family

$256

$21

State Farm

$256

$21

GEICO

$268

$22

Kemper

$273

$23

Kemper

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$280

$23

American Family

$298

$25

GEICO

$301

$25

Iowa Farm Bureau

$308

$26

State Farm

$314

$26

Farmers

$317

$26

Western National

$321

$27

American Family

$325

$27

Farmers Mutual of Nebraska

$330

$27

Nationwide

$330

$28

Farmers

$339

$28

Progressive

$346

$29

Progressive

$349

$29

GEICO

$355

$30

Iowa Farm Bureau

$360

$30

Auto-Owners Insurance Co

$360

$30

Western National

$371

$31

Farmers

$377

$31

Kemper

$401

$33

Progressive

$419

$35

Western National

$465

$39

Allstate

$483

$40

Allstate

$496

$41

Allstate

$522

$44

American Family

$647

$54

American Family

$681

$57

Kemper

$713

$59

Nationwide

$742

$62

Farmers Mutual of Nebraska

$754

$63

Kemper

$796

$66

American Family

$801

$67

State Farm

$815

$68

Farmers Mutual of Nebraska

$845

$70

Nationwide

$846

$70

Farmers

$860

$72

Allstate

$871

$73

Allstate

$894

$75

State Farm

$919

$77

Allstate

$934

$78

Farmers

$942

$79

Auto-Owners Insurance Co

$988

$82

GEICO

$1,007

$84

Nationwide

$1,037

$86

Iowa Farm Bureau

$1,064

$89

Farmers

$1,097

$91

GEICO

$1,113

$93

Auto-Owners Insurance Co

$1,136

$95

State Farm

$1,144

$95

Kemper

$1,145

$95

Iowa Farm Bureau

$1,210

$101

Farmers Mutual of Nebraska

$1,219

$102

Progressive

$1,297

$108

Western National

$1,307

$109

GEICO

$1,396

$116

Iowa Farm Bureau

$1,444

$120

Western National

$1,451

$121

Auto-Owners Insurance Co

$1,457

$121

Progressive

$1,594

$133

Western National

$1,898

$158

Progressive

$1,904

$159

Your rates will depend on the amount of auto insurance you need. The following liability insurance limits are provided by the full coverage sample policy from MoneyGeek:

  • $100,000 for physical injury per person
  • $300,000 for each accident-related injury
  • $100,000 for property damage per accident

Cutting your liability limits, removing comprehensive and collision coverage or increasing your deductible are all ways to minimize your insurance premiums. However, if you cause an accident, you run the danger of having to pay more out of your pocket.

How to Compare Cheap South Dakota Car Insurance Quotes Online

Online rates from several auto insurance companies are available within just 15 minutes.

To help you receive a fast quote for cheap car insurance, MoneyGeek provides an auto insurance calculator. To begin, you just need to select your age, gender and driving record from the options below.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

South Dakota
Female
30-65
Clean

Average Annual Auto Insurance Rates

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

low end

on average

high end

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

USAA

Cheapest Car Insurance in South Dakota by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in South Dakota. MoneyGeek found that Allstate and American Family offer the cheapest options on average, depending on what age group you and your family belong to.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Allstate
Cheapest for young adults: American Family
Cheapest for seniors: American Family

Cheapest Car Insurance in South Dakota for Teens and Their Families (September 2023)

When added to a parent's policy, the following companies provide the cheapest teen car insurance in South Dakota:

  • Allstate: $1,164 per year for male teens and $1,087 per year for female teens
  • Nationwide: $1,414 per year for male teens and $1,310 per year for female teens

Kemper is the most costly selection for the majority of teen drivers, with an average cost of $3,162 for boys and $2,773 for girls.

A 16-year-old who is covered by their parents’ insurance will pay much less than one with their own coverage. In South Dakota, a 16-year-old male driver pays an average of $4,984 for an individual policy compared with $2,268 if his parents include him on their existing policy — that is a $2,716 annual price difference.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Allstate

$465

$2,664

Allstate

$597

$3,475

Allstate

$617

$3,532

Allstate

$660

$821

Allstate

$665

$785

Allstate

$686

$1,036

GEICO

$700

$1,334

Allstate

$719

$849

Allstate

$722

$4,202

Allstate

$747

$1,244

Nationwide

$752

$1,248

Nationwide

$758

$1,373

Allstate

$763

$950

Allstate

$769

$908

Nationwide

$771

$942

Allstate

$776

$1,172

GEICO

$792

$1,509

Nationwide

$793

$1,018

Farmers

$815

$1,144

Allstate

$828

$978

Allstate

$829

$1,032

GEICO

$834

$1,589

Farmers

$874

$1,267

Allstate

$894

$1,489

State Farm

$895

$936

Nationwide

$895

$1,094

Allstate

$906

$1,127

Allstate

$909

$1,374

GEICO

$924

$1,459

Nationwide

$925

$1,189

Nationwide

$930

$1,137

Kemper

$942

$1,070

Nationwide

$964

$1,239

Nationwide

$972

$1,189

State Farm

$983

$1,027

State Farm

$1,000

$1,045

Allstate

$1,005

$1,673

Nationwide

$1,011

$1,300

State Farm

$1,055

$1,103

Farmers

$1,059

$3,489

Kemper

$1,061

$1,220

Kemper

$1,062

$1,207

Nationwide

$1,068

$1,773

Allstate

$1,087

$6,227

State Farm

$1,088

$1,294

Nationwide

$1,095

$1,985

GEICO

$1,101

$2,099

Farmers

$1,117

$3,793

State Farm

$1,123

$1,174

Kemper

$1,132

$1,286

Nationwide

$1,133

$2,289

State Farm

$1,154

$1,207

Allstate

$1,164

$6,779

Kemper

$1,196

$1,360

GEICO

$1,197

$1,890

GEICO

$1,197

$1,890

Nationwide

$1,200

$1,993

Farmers

$1,212

$3,994

Nationwide

$1,216

$2,641

State Farm

$1,223

$1,279

Kemper

$1,229

$1,413

State Farm

$1,232

$1,466

Kemper

$1,256

$1,440

Nationwide

$1,272

$2,571

Farmers

$1,277

$1,013

Nationwide

$1,281

$2,324

Farmers

$1,284

$4,358

Farmers

$1,289

$1,023

Farmers

$1,305

$1,036

GEICO

$1,307

$2,145

Nationwide

$1,310

$2,649

Farmers

$1,316

$1,846

State Farm

$1,322

$1,574

Farmers

$1,324

$1,099

Kemper

$1,332

$1,532

Farmers

$1,338

$1,111

Kemper

$1,350

$1,548

Farmers

$1,360

$1,130

Nationwide

$1,368

$2,973

State Farm

$1,372

$1,435

State Farm

$1,378

$1,639

Farmers

$1,379

$1,094

Farmers

$1,388

$2,014

State Farm

$1,398

$1,861

GEICO

$1,405

$2,666

Nationwide

$1,414

$3,074

Auto-Owners Insurance Co

$1,419

$1,249

Kemper

$1,425

$1,638

Auto-Owners Insurance Co

$1,425

$1,164

Farmers

$1,428

$2,003

Kemper

$1,439

$1,650

Farmers

$1,463

$1,215

Auto-Owners Insurance Co

$1,485

$1,213

Farmers

$1,494

$2,168

Auto-Owners Insurance Co

$1,521

$1,339

Kemper

$1,526

$1,779

GEICO

$1,529

$3,899

State Farm

$1,544

$1,839

Auto-Owners Insurance Co

$1,548

$1,264

Kemper

$1,558

$1,831

State Farm

$1,579

$2,101

GEICO

$1,586

$2,603

GEICO

$1,588

$2,507

Auto-Owners Insurance Co

$1,595

$1,404

Auto-Owners Insurance Co

$1,609

$1,719

Auto-Owners Insurance Co

$1,612

$2,003

Kemper

$1,617

$1,886

Auto-Owners Insurance Co

$1,624

$1,326

GEICO

$1,629

$3,093

Progressive

$1,640

$1,654

Kemper

$1,650

$1,939

Progressive

$1,672

$1,558

Kemper

$1,708

$1,991

Auto-Owners Insurance Co

$1,712

$1,507

GEICO

$1,729

$4,409

State Farm

$1,748

$2,082

Farmers

$1,750

$5,768

Progressive

$1,753

$1,994

Auto-Owners Insurance Co

$1,756

$1,876

State Farm

$1,776

$2,366

State Farm

$1,778

$2,367

Progressive

$1,795

$1,810

Auto-Owners Insurance Co

$1,799

$2,235

GEICO

$1,800

$4,951

Kemper

$1,804

$2,145

Progressive

$1,804

$1,682

GEICO

$1,850

$3,036

Farmers

$1,855

$6,297

Auto-Owners Insurance Co

$1,877

$2,006

Kemper

$1,895

$2,253

Progressive

$1,899

$1,770

Auto-Owners Insurance Co

$1,923

$2,169

Progressive

$1,970

$1,987

Auto-Owners Insurance Co

$1,997

$2,482

Progressive

$2,001

$1,866

State Farm

$2,011

$2,679

Auto-Owners Insurance Co

$2,066

$2,330

Progressive

$2,084

$2,415

Progressive

$2,136

$2,430

Progressive

$2,143

$2,161

GEICO

$2,179

$5,995

Auto-Owners Insurance Co

$2,188

$2,468

GEICO

$2,207

$4,189

GEICO

$2,234

$5,697

State Farm

$2,274

$3,030

Auto-Owners Insurance Co

$2,305

$2,795

Progressive

$2,384

$2,763

Progressive

$2,413

$2,744

Auto-Owners Insurance Co

$2,467

$2,992

Progressive

$2,483

$5,192

Progressive

$2,608

$5,452

Auto-Owners Insurance Co

$2,619

$3,176

Progressive

$2,702

$3,132

Progressive

$2,751

$5,823

Kemper

$2,773

$3,258

GEICO

$2,815

$7,742

Progressive

$2,840

$6,013

Progressive

$2,855

$5,970

Progressive

$3,107

$6,579

Kemper

$3,162

$3,760

mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Those who attend school far from home and those with outstanding grades typically receive discounts from insurance providers. For example, Allstate provides both of these coverages, along with other discounts that can help students save, like driver’s education and safe driving discounts.

Cheapest Car Insurance in South Dakota for Young Adults (September 2023)

The following companies provide South Dakota drivers in their 20s with the cheapest car insurance:

  • American Family: $801 per year
  • Allstate: $934 per year

The most expensive auto insurance for young adults is offered by Progressive, costing $1,904 yearly on average. A 25-year-old driver in South Dakota pays an extra $154 a year for American Family car insurance compared with a 40-year-old.

Company
Annual Premium
Monthly Premium

Farmers Mutual of Nebraska

$220

$18

Farmers Mutual of Nebraska

$220

$18

Nationwide

$227

$19

Nationwide

$231

$19

State Farm

$245

$20

Iowa Farm Bureau

$249

$21

American Family

$256

$21

State Farm

$256

$21

GEICO

$268

$22

Kemper

$273

$23

Kemper

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$280

$23

American Family

$298

$25

GEICO

$301

$25

Iowa Farm Bureau

$308

$26

State Farm

$314

$26

Farmers

$317

$26

Western National

$321

$27

American Family

$325

$27

Farmers Mutual of Nebraska

$330

$27

Nationwide

$330

$28

Farmers

$339

$28

Progressive

$346

$29

Progressive

$349

$29

GEICO

$355

$30

Iowa Farm Bureau

$360

$30

Auto-Owners Insurance Co

$360

$30

Western National

$371

$31

Farmers

$377

$31

Kemper

$401

$33

Progressive

$419

$35

Western National

$465

$39

Allstate

$483

$40

Allstate

$496

$41

Allstate

$522

$44

American Family

$647

$54

American Family

$681

$57

Kemper

$713

$59

Nationwide

$742

$62

Farmers Mutual of Nebraska

$754

$63

Kemper

$796

$66

American Family

$801

$67

State Farm

$815

$68

Farmers Mutual of Nebraska

$845

$70

Nationwide

$846

$70

Farmers

$860

$72

Allstate

$871

$73

Allstate

$894

$75

State Farm

$919

$77

Allstate

$934

$78

Farmers

$942

$79

Auto-Owners Insurance Co

$988

$82

GEICO

$1,007

$84

Nationwide

$1,037

$86

Iowa Farm Bureau

$1,064

$89

Farmers

$1,097

$91

GEICO

$1,113

$93

Auto-Owners Insurance Co

$1,136

$95

State Farm

$1,144

$95

Kemper

$1,145

$95

Iowa Farm Bureau

$1,210

$101

Farmers Mutual of Nebraska

$1,219

$102

Progressive

$1,297

$108

Western National

$1,307

$109

GEICO

$1,396

$116

Iowa Farm Bureau

$1,444

$120

Western National

$1,451

$121

Auto-Owners Insurance Co

$1,457

$121

Progressive

$1,594

$133

Western National

$1,898

$158

Progressive

$1,904

$159

Cheapest Car Insurance in South Dakota for Seniors (September 2023)

Senior drivers in South Dakota can get the following policies for the cheapest rates:

  • American Family: $681 per year
  • Kemper: $713 per year

The average annual premium for seniors with Western National is $1,307, making it the most expensive car insurance provider in the state.

A senior driver pays an average of $34 more than a middle-aged driver for full coverage car insurance in South Dakota. Rates usually increase as drivers get into their 70s and 80s.

Company
Annual Premium
Monthly Premium

Farmers Mutual of Nebraska

$220

$18

Farmers Mutual of Nebraska

$220

$18

Nationwide

$227

$19

Nationwide

$231

$19

State Farm

$245

$20

Iowa Farm Bureau

$249

$21

American Family

$256

$21

State Farm

$256

$21

GEICO

$268

$22

Kemper

$273

$23

Kemper

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$280

$23

American Family

$298

$25

GEICO

$301

$25

Iowa Farm Bureau

$308

$26

State Farm

$314

$26

Farmers

$317

$26

Western National

$321

$27

American Family

$325

$27

Farmers Mutual of Nebraska

$330

$27

Nationwide

$330

$28

Farmers

$339

$28

Progressive

$346

$29

Progressive

$349

$29

GEICO

$355

$30

Iowa Farm Bureau

$360

$30

Auto-Owners Insurance Co

$360

$30

Western National

$371

$31

Farmers

$377

$31

Kemper

$401

$33

Progressive

$419

$35

Western National

$465

$39

Allstate

$483

$40

Allstate

$496

$41

Allstate

$522

$44

American Family

$647

$54

American Family

$681

$57

Kemper

$713

$59

Nationwide

$742

$62

Farmers Mutual of Nebraska

$754

$63

Kemper

$796

$66

American Family

$801

$67

State Farm

$815

$68

Farmers Mutual of Nebraska

$845

$70

Nationwide

$846

$70

Farmers

$860

$72

Allstate

$871

$73

Allstate

$894

$75

State Farm

$919

$77

Allstate

$934

$78

Farmers

$942

$79

Auto-Owners Insurance Co

$988

$82

GEICO

$1,007

$84

Nationwide

$1,037

$86

Iowa Farm Bureau

$1,064

$89

Farmers

$1,097

$91

GEICO

$1,113

$93

Auto-Owners Insurance Co

$1,136

$95

State Farm

$1,144

$95

Kemper

$1,145

$95

Iowa Farm Bureau

$1,210

$101

Farmers Mutual of Nebraska

$1,219

$102

Progressive

$1,297

$108

Western National

$1,307

$109

GEICO

$1,396

$116

Iowa Farm Bureau

$1,444

$120

Western National

$1,451

$121

Auto-Owners Insurance Co

$1,457

$121

Progressive

$1,594

$133

Western National

$1,898

$158

Progressive

$1,904

$159

Special discounts are available for senior drivers. For example, Allstate, American Family, Farmers, GEICO and Kemper offer specific discounts for seniors in South Dakota. Comparing multiple insurers will help you find the best rates, as age is just one of many factors used when calculating insurance prices.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

In South Dakota, American Family offers the most affordable rates for drivers with tickets, at-fault accidents and DUIs.

Drivers with a record of violations usually face higher prices from auto insurance companies. Enlisting in state-approved driving classes and having your record checked frequently can help you get access to insurance choices that are less costly.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American Family ($868 per year)
Cheapest after an accident: American Family ($877 per year)
Cheapest after a DUI: American Family ($868 per year)
Cheapest for poor credit: American Family ($733 per year)
Cheapest for sports cars: American Family ($679 per year)

Cheapest Car Insurance in South Dakota After a Ticket

The following are the cheapest full coverage insurance companies for South Dakota drivers with speeding tickets:

  • American Family: $868 per year
  • Allstate: $939 per year

At $1,828 a year, Progressive has the most expensive auto insurance for drivers with tickets. If you get a speeding ticket in the state, your auto insurance may increase by an average of $170.

Company
Annual Premium
Monthly Premium

Farmers Mutual of Nebraska

$237

$20

Farmers Mutual of Nebraska

$260

$22

State Farm

$276

$23

Nationwide

$290

$24

State Farm

$293

$24

Nationwide

$297

$25

Iowa Farm Bureau

$301

$25

GEICO

$313

$26

Auto-Owners Insurance Co

$314

$26

Auto-Owners Insurance Co

$320

$27

Western National

$321

$27

Western National

$325

$27

Kemper

$333

$28

Kemper

$337

$28

American Family

$349

$29

State Farm

$354

$29

Farmers Mutual of Nebraska

$355

$30

American Family

$358

$30

GEICO

$364

$30

Farmers

$384

$32

American Family

$386

$32

Nationwide

$398

$33

Auto-Owners Insurance Co

$412

$34

GEICO

$415

$35

Iowa Farm Bureau

$417

$35

Iowa Farm Bureau

$437

$36

Farmers

$438

$37

Farmers

$444

$37

Progressive

$445

$37

Western National

$465

$39

Progressive

$489

$41

Kemper

$494

$41

Progressive

$504

$42

Allstate

$520

$43

Allstate

$525

$44

Allstate

$555

$46

Farmers Mutual of Nebraska

$811

$68

American Family

$813

$68

American Family

$868

$72

State Farm

$879

$73

Kemper

$883

$74

Allstate

$939

$78

Nationwide

$940

$78

American Family

$949

$79

Allstate

$970

$81

Kemper

$985

$82

Farmers Mutual of Nebraska

$995

$83

State Farm

$1,004

$84

Allstate

$1,010

$84

Auto-Owners Insurance Co

$1,062

$89

Nationwide

$1,074

$90

Farmers

$1,140

$95

GEICO

$1,174

$98

Farmers

$1,189

$99

Auto-Owners Insurance Co

$1,204

$100

State Farm

$1,233

$103

Nationwide

$1,250

$104

Iowa Farm Bureau

$1,293

$108

Western National

$1,307

$109

Farmers Mutual of Nebraska

$1,310

$109

Western National

$1,322

$110

Farmers

$1,342

$112

GEICO

$1,351

$113

Kemper

$1,423

$119

GEICO

$1,628

$136

Progressive

$1,655

$138

Iowa Farm Bureau

$1,656

$138

Iowa Farm Bureau

$1,756

$146

Progressive

$1,828

$152

Western National

$1,898

$158

Auto-Owners Insurance Co

$1,918

$160

Progressive

$2,174

$181

Cheapest Car Insurance in South Dakota After an Accident

Drivers in South Dakota who have at-fault accidents on their driving records can find affordable car insurance from the following companies:

  • American Family: $877 per year
  • State Farm: $1,062 per year

Progressive has the highest premiums at an average of $2,085 annually.

An at-fault accident history in South Dakota may increase your insurance costs by roughly $410 annually.

Company
Annual Premium
Monthly Premium

Farmers Mutual of Nebraska

$293

$24

State Farm

$302

$25

State Farm

$320

$27

Western National

$321

$27

Farmers Mutual of Nebraska

$321

$27

Western National

$325

$27

American Family

$356

$30

American Family

$365

$30

Iowa Farm Bureau

$372

$31

Auto-Owners Insurance Co

$373

$31

Nationwide

$377

$31

Auto-Owners Insurance Co

$381

$32

Nationwide

$385

$32

State Farm

$387

$32

American Family

$392

$33

Kemper

$432

$36

Kemper

$436

$36

Farmers Mutual of Nebraska

$438

$37

Farmers

$464

$39

Western National

$465

$39

GEICO

$490

$41

Auto-Owners Insurance Co

$492

$41

Nationwide

$509

$42

Iowa Farm Bureau

$515

$43

Farmers

$521

$43

Farmers

$525

$44

Iowa Farm Bureau

$539

$45

GEICO

$541

$45

Progressive

$581

$48

GEICO

$591

$49

Allstate

$617

$51

Allstate

$622

$52

Kemper

$642

$54

Progressive

$650

$54

Progressive

$660

$55

Allstate

$669

$56

American Family

$827

$69

American Family

$877

$73

State Farm

$934

$78

Farmers Mutual of Nebraska

$954

$80

American Family

$961

$80

State Farm

$1,062

$88

Kemper

$1,155

$96

Farmers Mutual of Nebraska

$1,165

$97

Allstate

$1,169

$97

Nationwide

$1,187

$99

Allstate

$1,224

$102

Allstate

$1,264

$105

Farmers

$1,276

$106

Kemper

$1,290

$108

Western National

$1,307

$109

State Farm

$1,310

$109

Farmers

$1,313

$109

Western National

$1,322

$110

Nationwide

$1,340

$112

Auto-Owners Insurance Co

$1,439

$120

Farmers

$1,469

$122

Farmers Mutual of Nebraska

$1,542

$129

Nationwide

$1,558

$130

Iowa Farm Bureau

$1,599

$133

Auto-Owners Insurance Co

$1,614

$134

GEICO

$1,830

$153

Kemper

$1,867

$156

Western National

$1,898

$158

Progressive

$1,965

$164

GEICO

$2,007

$167

Iowa Farm Bureau

$2,049

$171

Progressive

$2,085

$174

Auto-Owners Insurance Co

$2,128

$177

Iowa Farm Bureau

$2,175

$181

GEICO

$2,284

$190

Progressive

$2,463

$205

Cheapest Car Insurance in South Dakota After a DUI

When you have a DUI on your driving history, the cheapest options for car insurance in South Dakota are:

  • American Family: $868 per year
  • State Farm: $1,004 per year

The most expensive option in the state is offered by GEICO, costing around $3,764 annually. DUIs normally result in an $872 increase to your annual auto insurance premium in South Dakota.

Company
Annual Premium
Monthly Premium

State Farm

$276

$23

State Farm

$293

$24

Western National

$321

$27

Western National

$325

$27

American Family

$349

$29

State Farm

$354

$29

American Family

$358

$30

American Family

$386

$32

Progressive

$399

$33

Farmers Mutual of Nebraska

$401

$33

Progressive

$433

$36

Farmers Mutual of Nebraska

$441

$37

Farmers

$443

$37

Progressive

$461

$38

Western National

$465

$39

Nationwide

$475

$40

Nationwide

$482

$40

Farmers

$502

$42

Farmers

$505

$42

Iowa Farm Bureau

$509

$42

Farmers Mutual of Nebraska

$600

$50

Auto-Owners Insurance Co

$603

$50

Nationwide

$607

$51

Auto-Owners Insurance Co

$613

$51

Allstate

$657

$55

Allstate

$664

$55

Iowa Farm Bureau

$707

$59

Allstate

$717

$60

Iowa Farm Bureau

$740

$62

Auto-Owners Insurance Co

$796

$66

American Family

$813

$68

American Family

$868

$72

State Farm

$879

$73

Kemper

$889

$74

Kemper

$898

$75

American Family

$949

$79

GEICO

$957

$80

State Farm

$1,004

$84

GEICO

$1,013

$84

GEICO

$1,126

$94

Farmers

$1,226

$102

State Farm

$1,233

$103

Farmers

$1,262

$105

Western National

$1,307

$109

Western National

$1,322

$110

Kemper

$1,337

$111

Allstate

$1,344

$112

Farmers Mutual of Nebraska

$1,369

$114

Allstate

$1,411

$118

Farmers

$1,416

$118

Allstate

$1,466

$122

Progressive

$1,474

$123

Nationwide

$1,505

$125

Progressive

$1,647

$137

Nationwide

$1,659

$138

Farmers Mutual of Nebraska

$1,681

$140

Nationwide

$1,875

$156

Western National

$1,898

$158

Auto-Owners Insurance Co

$1,975

$165

Progressive

$1,993

$166

Auto-Owners Insurance Co

$2,162

$180

Iowa Farm Bureau

$2,201

$183

Farmers Mutual of Nebraska

$2,210

$184

Iowa Farm Bureau

$2,822

$235

Auto-Owners Insurance Co

$2,923

$244

Kemper

$2,950

$246

Iowa Farm Bureau

$2,995

$250

Kemper

$3,303

$275

GEICO

$3,568

$297

GEICO

$3,764

$314

GEICO

$4,286

$357

Kemper

$4,804

$400

Cheapest Car Insurance in South Dakota for Drivers With Poor Credit (September 2023)

For South Dakota drivers with poor credit, the following companies offer the cheapest auto insurance:

  • American Family: $733 per year
  • Farmers Mutual of Nebraska: $928 per year

State Farm is the most expensive insurer, with an average yearly premium of $4,915.

Credit scores are among the major factors considered by insurers when setting your rate. Auto insurance in South Dakota may cost you an average of $789 more per year if you have bad credit compared with a driver with good credit.

Company
Annual Premium
Monthly Premium

American Family

$801

$67

Farmers Mutual of Nebraska

$1,219

$102

Allstate

$1,267

$106

Kemper

$1,397

$116

Iowa Farm Bureau

$1,444

$120

Nationwide

$1,462

$122

Farmers

$1,669

$139

Western National

$1,898

$158

GEICO

$2,332

$194

Progressive

$3,084

$257

Auto-Owners Insurance Co

$4,431

$369

State Farm

$6,040

$503

American Family

$325

$27

Farmers Mutual of Nebraska

$330

$27

Iowa Farm Bureau

$360

$30

Nationwide

$461

$38

Western National

$465

$39

Farmers

$551

$46

Allstate

$587

$49

GEICO

$594

$49

Progressive

$671

$56

Kemper

$811

$68

Auto-Owners Insurance Co

$962

$80

State Farm

$1,644

$137

American Family

$733

$61

Farmers Mutual of Nebraska

$928

$77

Kemper

$969

$81

Allstate

$1,169

$97

Nationwide

$1,227

$102

Western National

$1,322

$110

Iowa Farm Bureau

$1,362

$113

Farmers

$1,439

$120

GEICO

$1,838

$153

Progressive

$2,529

$211

Auto-Owners Insurance Co

$3,412

$284

State Farm

$4,915

$410

Farmers Mutual of Nebraska

$242

$20

American Family

$293

$24

Western National

$325

$27

Nationwide

$329

$27

Iowa Farm Bureau

$344

$29

Farmers

$467

$39

GEICO

$495

$41

Kemper

$558

$46

Progressive

$571

$48

Allstate

$581

$48

Auto-Owners Insurance Co

$734

$61

State Farm

$1,353

$113

American Family

$681

$57

Farmers Mutual of Nebraska

$754

$63

Kemper

$868

$72

Nationwide

$1,045

$87

Iowa Farm Bureau

$1,064

$89

Allstate

$1,201

$100

Western National

$1,307

$109

Farmers

$1,328

$111

GEICO

$1,597

$133

Progressive

$2,099

$175

Auto-Owners Insurance Co

$2,970

$248

State Farm

$4,265

$355

Farmers Mutual of Nebraska

$220

$18

Iowa Farm Bureau

$249

$21

American Family

$298

$25

Nationwide

$319

$27

Western National

$321

$27

GEICO

$426

$36

Farmers

$507

$42

Kemper

$552

$46

Progressive

$554

$46

Allstate

$625

$52

Auto-Owners Insurance Co

$752

$63

State Farm

$1,275

$106

Drivers who have a history of bad credit are more prone to submit a claim. That’s why South Dakota allows companies to examine your credit score when determining your rates.

By improving your credit score, you can gradually lower your insurance prices, but you can also search for insurers that provide discounts for common things like vehicle safety features and bundling multiple policies.

Cheapest Car Insurance in South Dakota for Sports Cars (September 2023)

The cheapest auto insurance for drivers of sports cars in South Dakota is provided by the following:

  • American Family: $679 per year
  • Kemper: $886 per year

With an average $1,975 annual cost, Progressive is the most expensive auto insurance provider for sports car drivers in the state.

Due to their high repair and replacement costs, sports cars are generally more expensive to insure than regular cars. Compared with those driving a Toyota Camry LE, South Dakotans who drive sports cars pay an extra $108 on average per year for their auto insurance.

Company
Annual Premium
Monthly Premium

Farmers Mutual of Nebraska

$220

$18

Farmers Mutual of Nebraska

$220

$18

Nationwide

$227

$19

Nationwide

$231

$19

State Farm

$245

$20

Iowa Farm Bureau

$249

$21

American Family

$256

$21

State Farm

$256

$21

GEICO

$268

$22

Kemper

$273

$23

Kemper

$276

$23

Auto-Owners Insurance Co

$280

$23

Auto-Owners Insurance Co

$280

$23

American Family

$298

$25

GEICO

$301

$25

Iowa Farm Bureau

$308

$26

State Farm

$314

$26

Farmers

$317

$26

Western National

$321

$27

American Family

$325

$27

Farmers Mutual of Nebraska

$330

$27

Nationwide

$330

$28

Farmers

$339

$28

Progressive

$346

$29

Progressive

$349

$29

GEICO

$355

$30

Iowa Farm Bureau

$360

$30

Auto-Owners Insurance Co

$360

$30

Western National

$371

$31

Farmers

$377

$31

Kemper

$401

$33

Progressive

$419

$35

Western National

$465

$39

Allstate

$483

$40

Allstate

$496

$41

Allstate

$522

$44

American Family

$632

$53

American Family

$679

$57

American Family

$742

$62

Farmers

$792

$66

Kemper

$795

$66

Nationwide

$865

$72

Kemper

$886

$74

Farmers

$889

$74

Allstate

$917

$76

Allstate

$925

$77

Auto-Owners Insurance Co

$965

$80

Allstate

$1,000

$83

State Farm

$1,000

$83

Nationwide

$1,021

$85

Farmers

$1,036

$86

Auto-Owners Insurance Co

$1,095

$91

State Farm

$1,151

$96

Nationwide

$1,226

$102

Kemper

$1,276

$106

State Farm

$1,424

$119

Auto-Owners Insurance Co

$1,425

$119

GEICO

$1,428

$119

Progressive

$1,480

$123

GEICO

$1,641

$137

Progressive

$1,975

$165

GEICO

$2,019

$168

Progressive

$2,537

$211

MoneyGeek used a Ford Mustang for the above sports car quotes. Your vehicle's model could have a significant influence on how much your car insurance will cost. Sports cars, high-end autos and electric vehicles frequently have higher insurance costs than other car model types.

Cheapest Car Insurance in South Dakota for Military Drivers (September 2023)

American Family provides the cheapest auto insurance for veterans and active-duty military personnel in South Dakota, with an average yearly cost of $647.

USAA also provides affordable auto insurance packages, averaging $936 per year in South Dakota. Military personnel can access this company in all 50 states.

mglogo
MoneyGeek Top Pick
American Family Insurance
  • $647 annually

American Family offers rental car and/or travel reimbursement, roadside assistance, accident forgiveness, gap insurance and rideshare insurance to its policyholders.

Cheapest Car Insurance in South Dakota by City

Among the factors influencing the cost of auto insurance in South Dakota is the city in which you reside. Residents of areas with greater rates of theft, accidents and vandalism are more likely to file claims and, therefore, pay higher insurance premiums.

We found that the cheapest car insurance provider in Sioux Falls, South Dakota, for full coverage is Kemper, with an average annual rate of $718.

City
Cheapest Company
Annual Premium

Sioux Falls

Kemper

$718

Car Insurance in South Dakota: What You Need to Know

In South Dakota, drivers are obliged to obtain liability insurance in case they cause property damage or injury to another person. MoneyGeek outlines more of the things that you need to know about auto insurance in South Dakota.

South Dakota Car Insurance Requirements

South Dakota requires all drivers to have bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.

South Dakota drivers who have records of major driving offenses must submit an SR-22 form. It proves that a high-risk driver has purchased sufficient insurance coverage to meet the state’s minimum requirements.

  • male icon

    Bodily Injury Liability

    South Dakota mandates a minimum bodily injury liability insurance limit of $25,000 per individual and $50,000 for all accidents. This coverage protects against third-party injuries, and higher limits provide more protection.

  • accident2 icon

    Property Damage Liability

    An average of $25,000 in property damage liability per accident is mandated in South Dakota. If you want more coverage from property damage costs, increase your limits.

  • carInsurance icon

    Uninsured/Underinsured Motorist Coverage

    South Dakota also requires all drivers to purchase uninsured/underinsured motorist coverage ($25K per person, $50K per accident). If you’re concerned about the cost of accidents with people who lack sufficient insurance, purchase more of this coverage.

MoneyGeek recommends getting bodily injury liability insurance with $100,000 per person and $300,000 per accident as the minimum limits and increasing the limit for property damage coverage to $100,000.

You might need to buy comprehensive and collision insurance if you financed the cost of your car. If your vehicle is damaged off the road, for example, as a result of theft, comprehensive insurance will cover the required replacements or repairs. If your car collides with another vehicle, collision insurance will cover the associated costs.

Car Insurance Alternatives in South Dakota

You could find it difficult to get fairly priced insurance in the open market if you have a history of accidents or bad credit.

If you would rather not get car insurance in South Dakota, you can apply to be a self-insurer if you have more than 25 vehicles registered in your name. You will need to fulfill certain criteria that effectively demonstrate your financial capacity to pay claims like an insurance policy would.

FAQs About Car Insurance in South Dakota

Given the wide range of selections, choosing your auto insurance provider might be difficult. Read the following answers to some frequently asked questions to find out more about car insurance in South Dakota.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • SD Legislative Research Council. "Codified Laws." Accessed December 14, 2022.