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.
- I’m in South Dakota and I’m looking to find either the cheapest car insurance, the best service and claims experience or a balance of quality and affordability.
- I’m looking to get a South Dakota car insurance quote or estimate now.
- I want to learn more about how much car insurance is required in South Dakota.
- I want to learn more about specialty insurance policies for those with low income, those who don’t own a car or those who only need car insurance temporarily.
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.
- 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
- 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.
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:
- $25,000 for bodily injury liability insurance per person
- $50,000 for bodily injury liability coverage per accident
- $25,000 for property damage liability insurance per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
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.
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
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.
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.
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.
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