The Cheapest Car Insurance in South Dakota (September 2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.