Car Insurance in South Dakota: How to Find the Policy That Fits You

MoneyGeek provides average car insurance rates in South Dakota across different factors to help you find a policy that best fits your profile.

Find the Best or Cheapest Car Insurance in South Dakota

MoneyGeek evaluated quotes from insurers in South Dakota to ensure you find the cheapest coverage in the state. We used a unique scoring system to determine the best insurers that balance cost and quality of service. For drivers who want to understand overall expenses, MoneyGeek established the average cost of car insurance in South Dakota based on various factors, including driving record and age.

MoneyGeek’s resources mentioned above provide details about the cheapest and best car insurance providers in South Dakota across different driver profiles. You can use the table below to compare the cheapest and best providers in the state. Unless noted otherwise, the costs are for a full coverage policy.

tip icon
THE CHEAPEST CAR INSURANCE COMPANIES IN SOUTH DAKOTA
  • Minimum liability: Farmers Mutual of Nebraska
  • Full coverage: State Farm
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: Farmers Mutual of Nebraska
  • Senior drivers: State Farm
  • Student drivers: Allstate
tip icon
THE BEST CAR INSURANCE COMPANIES IN SOUTH DAKOTA
  • Overall: State Farm
  • Customer Service: Auto-Owners Insurance Co
  • On a Budget: GEICO
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: Allstate
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a South Dakota Car Insurance Quote

Car insurance quotes in South Dakota vary significantly across insurance providers for the same driver profile. You can save as much as $453 if you shop around and choose the most affordable provider over the most expensive one. Fortunately, this research will only take you a few minutes.

Loading...

Car Insurance Laws in South Dakota

MoneyGeek’s analysis outlines South Dakota car insurance laws to help you understand what your policy should include. The state minimum coverage requirements are as follows:

The amount of car insurance coverage required by South Dakota drivers may vary significantly across the state for various drivers depending on their needs. Comprehensive and collision insurance are not required by the state, but you may need to purchase them if you need more protection.

tip icon
ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN SOUTH DAKOTA?

Drivers who have a violation on their driving record are considered high-risk. These drivers need to file an SR-22 as proof of insurance. Our research includes the average cost of SR-22 insurance in South Dakota and outlines how to file the form with your insurance provider.

Specialty Car Insurance in South Dakota

In most states, traditional car insurance may not always cover all your insurance needs, and you may need to purchase alternative coverage. MoneyGeek reviewed alternative car insurance in South Dakota, including temporary, non-owner and low-income car insurance policies, to help choose the best coverage. You can find out about these insurance options using the information below.

MoneyGeek Specialty Car Insurance Resources

male

Non-owner car insurance

South Dakota drivers can purchase non-owner car insurance if they don’t own a car but need proof of insurance.

carInsurance

Temporary car insurance

Drivers who rent or borrow cars for a short duration can get temporary car insurance in South Dakota by purchasing and canceling standard insurance early or buying rental car insurance.

money

Car insurance for low-income drivers

South Dakota does not offer car insurance programs to low-income drivers. MoneyGeek’s analysis also includes ways to get low-income car insurance in South Dakota.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.