Cheapest Car Insurance in South Dakota (June 2024)


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Updated: June 14, 2024

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Farmers Mutual of Nebraska provides the cheapest minimum coverage auto insurance in South Dakota. 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.

Why Trust MoneyGeek? Quotes from several different insurance companies are included in our rating system for South Dakota auto insurance. We collaborated with market research companies to evaluate each insurer’s customer service and financial stability.

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These rates reflect the cheapest car insurance quotes in South Dakota as of June 2024.

16,221Quotes Analyzed
 
13Companies Compared
 
12ZIP Codes

Cheapest Minimum Liability Car Insurance in South Dakota (June 2024)

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

  • Farmers Mutual of Nebraska: $184 per year
  • American Family: $243 per year

With an average annual premium of $599, Farmers 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/underinsund motorist coverage.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
Farmers Mutual of NebraskaAnnual Premium$184Monthly Premium$15
American FamilyAnnual Premium$243Monthly Premium$20
State FarmAnnual Premium$253Monthly Premium$21
KemperAnnual Premium$276Monthly Premium$23
NationwideAnnual Premium$303Monthly Premium$25
Auto-Owners Insurance CoAnnual Premium$330Monthly Premium$27
Iowa Farm BureauAnnual Premium$338Monthly Premium$28
GEICOAnnual Premium$346Monthly Premium$29

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 car.

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Find the Best Car Insurance in South Dakota for You

 

Depending on your selections and insurance requirements, your auto insurance rates can change. Consider determining how much car insurance you need. In the table above, we listed auto insurance quotes for South Dakota's minimum level of coverage.

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Based on price and customer service standards, we also assessed South Dakota's top auto insurance companies.

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We examined the average cost of auto insurance in South Dakota for various driver categories if you're interested in seeing how costs vary depending on particular characteristics.

Cheapest Full Coverage Car Insurance in South Dakota (June 2024)

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

  • American Family: $614 per year
  • Farmers Mutual of Nebraska: $678 per year

Progressive charges roughly $1,781 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 $371 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 restrictions.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$614Monthly Premium$51
Farmers Mutual of NebraskaAnnual Premium$678Monthly Premium$56
KemperAnnual Premium$796Monthly Premium$66
State FarmAnnual Premium$971Monthly Premium$81
AllstateAnnual Premium$1,013Monthly Premium$84
NationwideAnnual Premium$1,036Monthly Premium$86
Auto-Owners Insurance CoAnnual Premium$1,045Monthly Premium$87
GEICOAnnual Premium$1,320Monthly Premium$110

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.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 15, 2024

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Cheapest Car Insurance in South Dakota by Age (June 2024)

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

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Allstate
Cheapest for young adults: American Family
Cheapest for seniors: Farmers Mutual of Nebraska

Cheapest Car Insurance in South Dakota for Teens and Their Families (June 2024)

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.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
AllstateFamily Plan Annual Premium$1,087Individual Plan Annual Premium$6,227
NationwideFamily Plan Annual Premium$1,310Individual Plan Annual Premium$2,649
FarmersFamily Plan Annual Premium$1,750Individual Plan Annual Premium$5,768
State FarmFamily Plan Annual Premium$1,778Individual Plan Annual Premium$2,367
Auto-Owners Insurance CoFamily Plan Annual Premium$2,188Individual Plan Annual Premium$2,468
GEICOFamily Plan Annual Premium$2,234Individual Plan Annual Premium$5,697
ProgressiveFamily Plan Annual Premium$2,608Individual Plan Annual Premium$5,452
KemperFamily Plan Annual Premium$2,773Individual Plan Annual Premium$3,258
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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 (June 2024)

The following insurance providers offer the cheapest full coverage insurance to young adults in South Dakota, age range (22-29):

  • American Family: $761 per year
  • Farmers Mutual of Nebraska: $975 per year

The most expensive policy, offered by Western National, costs about $2,234 annually. Young adults in South Dakota pay on average $278 more for a full coverage insurance policy than middle-aged drivers.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$761Monthly Premium$63
Farmers Mutual of NebraskaAnnual Premium$975Monthly Premium$81
AllstateAnnual Premium$1,083Monthly Premium$90
KemperAnnual Premium$1,145Monthly Premium$95
State FarmAnnual Premium$1,208Monthly Premium$101
NationwideAnnual Premium$1,276Monthly Premium$106
Auto-Owners Insurance CoAnnual Premium$1,327Monthly Premium$111
FarmersAnnual Premium$1,657Monthly Premium$138

Cheapest Car Insurance in South Dakota for Seniors (June 2024)

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

  • Farmers Mutual of Nebraska: $614 per year
  • American Family: $645 per when.

The average annual premium for seniors with Western National is $1,537, making it the most expensive car insurance provider in the state.

In South Dakota, a senior driver pays about $107 less than a middle-aged driver for full coverage car insurance. Rates usually increase as drivers get into their 70s and 80s.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
Farmers Mutual of NebraskaAnnual Premium$614Monthly Premium$51
American FamilyAnnual Premium$645Monthly Premium$54
KemperAnnual Premium$713Monthly Premium$59
State FarmAnnual Premium$858Monthly Premium$72
NationwideAnnual Premium$910Monthly Premium$76
Auto-Owners Insurance CoAnnual Premium$933Monthly Premium$78
AllstateAnnual Premium$1,046Monthly Premium$87
GEICOAnnual Premium$1,193Monthly Premium$99

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 (June 2024)

In South Dakota, Farmers Mutual of Nebraska offers the most affordable rates for drivers with tickets at $799. American Family is the cheapest provider for drivers with at-fault accidents at $829, DUIs at $821, those with poor credit at $695, and sports car drivers at $644.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Farmers Mutual of Nebraska ($799 per year)
Cheapest after an accident: American Family ($829 per year)
Cheapest after a DUI: American Family ($821 per year)
Cheapest for poor credit: American Family ($695 per year)
Cheapest for sports cars: American Family ($644 per year)

Cheapest Car Insurance in South Dakota After a Ticket

The following offer the most affordable car insurance in South Dakota for drivers with a speeding ticket:

  • Farmers Mutual of Nebraska: $799 per year
  • American Family: $821 per year

Progressive is the most expensive in South Dakota for this driver profile at $2,037 per year.

Drivers in South Dakota with a speeding ticket on record pay an extra $192 each year compared with drivers with clean records.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Farmers Mutual of NebraskaAnnual Premium$799Monthly Premium$67
American FamilyAnnual Premium$821Monthly Premium$68
KemperAnnual Premium$985Monthly Premium$82
State FarmAnnual Premium$1,059Monthly Premium$88
AllstateAnnual Premium$1,093Monthly Premium$91
Auto-Owners Insurance CoAnnual Premium$1,109Monthly Premium$92
NationwideAnnual Premium$1,318Monthly Premium$110
Western NationalAnnual Premium$1,555Monthly Premium$130

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: $829 per year
  • Farmers Mutual of Nebraska: $936 per year

Iowa Farm Bureau has the highest premiums at an average of $2,389 annually.

An at-fault accident history in South Dakota can increase your insurance costs by roughly $460 annually.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$829Monthly Premium$69
Farmers Mutual of NebraskaAnnual Premium$936Monthly Premium$78
State FarmAnnual Premium$1,118Monthly Premium$93
KemperAnnual Premium$1,290Monthly Premium$108
AllstateAnnual Premium$1,359Monthly Premium$113
Auto-Owners Insurance CoAnnual Premium$1,496Monthly Premium$125
Western NationalAnnual Premium$1,555Monthly Premium$130
NationwideAnnual Premium$1,647Monthly Premium$137

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: $821 per year
  • State Farm: $1,059 per year

The most expensive option in the state is offered by GEICO, costing around $4,470 annually. DUIs normally result in a $953 increase to your annual auto insurance premium in Southdale.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$821Monthly Premium$68
State FarmAnnual Premium$1,059Monthly Premium$88
Farmers Mutual of NebraskaAnnual Premium$1,349Monthly Premium$112
AllstateAnnual Premium$1,553Monthly Premium$129
Western NationalAnnual Premium$1,555Monthly Premium$130
ProgressiveAnnual Premium$1,835Monthly Premium$153
FarmersAnnual Premium$1,938Monthly Premium$162
Auto-Owners Insurance CoAnnual Premium$2,027Monthly Premium$169

Cheapest Car Insurance in South Dakota for Drivers With Poor Credit (June 2024)

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

  • American Family: $695 per year
  • Farmers Mutual of Nebraska: $746 per year

State Farm is the most expensive insurer, with an average yearly premium of $5,188.

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 $844 more per year if you have bad credit compared with a driver with good credit.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$695Monthly Premium$58
Farmers Mutual of NebraskaAnnual Premium$746Monthly Premium$62
KemperAnnual Premium$969Monthly Premium$81
AllstateAnnual Premium$1,351Monthly Premium$113
NationwideAnnual Premium$1,496Monthly Premium$125
Western NationalAnnual Premium$1,555Monthly Premium$130
Iowa Farm BureauAnnual Premium$1,587Monthly Premium$132
GEICOAnnual Premium$2,179Monthly Premium$182

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 (June 2024)

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

  • American Family: $644 per year
  • Kemper: $886 per year

With an average $2,225 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 $134 on average per year for their auto insurance.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$644Monthly Premium$54
KemperAnnual Premium$886Monthly Premium$74
Auto-Owners Insurance CoAnnual Premium$1,008Monthly Premium$84
AllstateAnnual Premium$1,058Monthly Premium$88
State FarmAnnual Premium$1,221Monthly Premium$102
NationwideAnnual Premium$1,249Monthly Premium$104
FarmersAnnual Premium$1,305Monthly Premium$109
GEICOAnnual Premium$1,969Monthly Premium$164

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 (June 2024)

American Family provides the cheapest auto insurance for veterans and active-duty military personnel in South Dakota, with an average yearly cost of $614.

USAA also provides affordable auto insurance packages, averaging $1,011 per year in South Dakota. Military personnel can access this company in all 50 states.

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MoneyGeek Top Pick
American Family Insurance
  • Annual premium of $614
  • Ranked first out of 13 companies

Despite not offering a military discount, American Family is still the cheapest option in South Dakota.

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 American Family, with an average annual rate of $707.

Sioux FallsCheapest CompanyAmerican FamilyAnnual Premium$707

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.

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    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.

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    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.

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    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.

FAQ: 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.

Which company offers the cheapest car insurance in South Dakota?
Should you buy the cheapest car insurance available in South Dakota?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance 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.