Cheapest Car Insurance South Dakota

Car insurance rates in South Dakota are slightly below the national average. This means you stand a good chance of finding great car insurance in the Mount Rushmore State at excellent rates.

Below we’ll look at the cheapest car insurance coverage options in the state, beginning with the most affordable providers.

Cheapest Car Insurance Companies in South Dakota

The cheapest car insurance companies in South Dakota are State Farm, American Family Insurance, Geico and Farmers Mutual of Nebraska.

Cheap South Dakota Car Insurance Companies	Overall Rating	Coverage	Cost Rating	# of Discounts Offered	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Geico Learn More	9.1	8.4	9.1	9	Learn More
Farmers Mutual of Nebraska	8.6	9.0	7.4	6

Cheap South Dakota Car Insurance Companies	Overall Rating	Coverage	Cost Rating	# of Discounts Offered	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Geico Learn More	9.1	8.4	9.1	9	Learn More
Farmers Mutual of Nebraska	8.6	9.0	7.4	6

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in South Dakota.

Car insurance companies have different calculation methods, which means no two car insurance quotes are the same. We recommend reaching out to several different providers in South Dakota to compare rates.

Cheap South Dakota Car Insurance Coverage

The coverage level you choose impacts your overall insurance premium costs. Most auto insurance companies in South Dakota provide minimum liability and full coverage car insurance rates to drivers shopping for coverage. While minimum liability is required under state law, consider purchasing a full coverage insurance policy for extra coverage.

Below are the cheapest car insurance options in South Dakota for both coverage types.

Cheapest Liability Car Insurance in South Dakota

At $18 per month or $212 per year, USAA provides the cheapest liability car insurance in South Dakota on average. Farmers Mutual of South Dakota and Auto-Owners Insurance may also be good options for motorists.

Cheapest Full Coverage Car Insurance in South Dakota

According to our research, Farmers Mutual of Nebraska offers the cheapest full coverage car insurance in the Mount Rushmore State, costing an average of $138 per month or $1,657 per year. USAA and Geico are also affordable options for South Dakota motorists.

*These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Several factors affect the cost of car insurance in South Dakota, including a person’s age, driving history and credit scores. The sections below compare cheap car insurance estimates for South Dakota drivers in these categories.

Cheapest Car Insurance for Young Drivers in South Dakota

If you’re a young motorist in South Dakota, you can expect to pay substantially more for car insurance coverage. That’s because teen and young adult drivers lack driving experience compared with older adults.

The tables below show the cheapest car insurance for young drivers in South Dakota, along with estimated monthly and annual costs.

Cheapest South Dakota Car Insurance for 16-Year-olds

Farmers Mutual of Nebraska tends to be the cheapest car insurance provider for 16-year-old drivers in South Dakota, with an average annual premium of $4,576. USAA, Geico and State Farm also typically offer affordable rates for these young drivers.

Cheapest South Dakota Car Insurance for 17-Year-olds

State Farm generally offers the cheapest full coverage car insurance for 17-year-old drivers in South Dakota, costing $3,020 per year on average. USAA comes in a close second for this age group at an average of $3,057 per year.

*Costs were taken from 2022 information.

Cheapest South Dakota Car Insurance for 18-Year-olds

The cheapest full coverage car insurance for 18-year-old drivers in South Dakota often comes from USAA. The company offers coverage for an average of $2,675 per year.

*Costs taken from 2022 information.

Cheapest South Dakota Car Insurance for 21-Year-olds

Car insurance rates dip when we move from teen drivers to 21-year-olds. USAA usually offers the cheapest coverage for 21-year-olds in South Dakota, with an average annual rate of $1,751.

*Costs were taken from 2022 information.

Cheapest South Dakota Car Insurance for 25-Year-olds

It’s a close call when it comes to cheap full coverage car insurance for 25-year-old South Dakota drivers. Farmers Mutual of Nebraska edges USAA out in this category, offering coverage for an average of $2,020 per year.

Cheapest South Dakota Car Insurance for High-Risk Drivers

South Dakota drivers with a recent speeding ticket, DUI or accident on their records may pay hundreds of dollars more for car insurance coverage. The tables below provide estimates for the cheapest car insurance for drivers who may fall into these categories.

Cheapest Car Insurance in South Dakota After a Speeding Ticket

For South Dakota drivers who have a speeding ticket, Farmers Mutual of Nebraska tends to be the best option for cheap car insurance. The company offers coverage for an average of $1,817 per year for those with a speeding ticket on their record.

Cheapest Car Insurance in South Dakota After an Accident

South Dakota drivers with an at-fault accident will pay higher rates than those with clean driving records. Drivers in the state who caused an accident should consider State Farm, which has an average rate of $1,980 per year for this group.

Cheapest Car Insurance in South Dakota After a DUI

State Farm also tends to offer the cheapest car insurance for South Dakota drivers with a DUI violation, with an average annual cost of $1,893.

Cheapest Car Insurance in South Dakota for Drivers With Poor Credit

Geico is often the cheapest car insurance option for South Dakota drivers with bad credit. The company offers this group full coverage for an average of $2,327 per year.

Car Insurance Deals in South Dakota

Most car insurance providers in South Dakota will offer a variety of discounts for motorists. The table below shows which car insurance discounts the best car insurance companies in the state provide, which we’ll explain in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in South Dakota

Policyholders in South Dakota should look for car insurance deals and discounts while shopping for providers. Even if you have a policy already, you may want to ask your insurance agent if there are any discounts that you can add. Discounts will typically vary based on your drivers profile as well as by company.

Here’s more information on the standard types of discounts offered by the best car insurance companies:

• Multi-policy: Bundle two or more insurance policies with the same company such as renters insurance with auto insurance
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies
• Military: A discount for veterans and active military members
• Senior: Policyholders who are 55 and older tend to qualify for this discount
• Good driver: Applies to drivers with a clean driving record
• Good student: Usually for students 25 and under who maintain a B average in their courses
• Homeowners: If you are a homeowner, you may qualify for this discount
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Mount Rushmore State, the sections below contain more detailed information.

Full-coverage car insurance costs about $2,291 per year on average in South Dakota, which translates to about $191 per month. These figures are about 14% above the national averages of $2,008 per year and $167 per month.

South Dakota drivers pay an average of roughly $328 per year for minimum liability car insurance. That’s just $27 per month. Drivers in the state get out cheap here, as the national average for minimum liability coverage is $627 per year.

South Dakota Car Insurance Cost by Age

A driver’s age has a dramatic effect on car insurance rates. In South Dakota, 30-year-old drivers pay an average of $1,749 per year for full coverage. In contrast, the cost of full-coverage car insurance policies for 16-year-old drivers in the state averages $8,192 per year.

South Dakota Car Insurance Cost by City

South Dakota car insurance rates vary slightly depending on where drivers live. In many cases, cities with larger populations tend to have the highest rates. That doesn’t hold true for South Dakota, as its most populous city, Sioux Falls, has some of the state’s cheapest average costs for full coverage auto insurance policies.

*Average rates above apply to the top three companies in each city.

Factors That Affect South Dakota Car Insurance Costs

A wide range of factors affect what you pay for car insurance. These are some of the most important elements in determining car insurance costs:

• Driving record: South Dakota motorists with clean driving records pay less than those with recent accidents, speeding tickets or DUI violations.
• Credit history: Drivers with bad credit scores pay higher car insurance premiums in South Dakota.
• Marital status: Single drivers typically pay more for auto insurance than their married peers.
• Location: In general, people who live in more populated areas pay higher car insurance rates.
• Age: It’s more expensive to insure teen drivers.

There are a few mandatory types of coverage all drivers in South Dakota must have. These state minimum coverage requirements include:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist coverage: $25,000 per person and $50,000 per accident

How To Get Car Insurance in South Dakota

When searching for the best rates, it’s helpful to compare car insurance quotes from providers. Regardless of your needs or budget, this is the best strategy for finding quality coverage at an affordable price.

State Farm, American Family Insurance, Geico and Farmers Mutual of Nebraska are all good bets to give you coverage at competitive rates.

In this article, we reviewed the cheapest auto insurance companies in South Dakota along with coverage and rates. We also looked at the average cost of car insurance and coverage requirements in the Mount Rushmore State.

Cheapest Car Insurance in South Dakota: FAQ

Below are frequently asked questions about the cheapest car insurance in South Dakota.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.