Best South Dakota Auto Insurance in 2025 (Top 10 Companies Ranked)

The best South Dakota auto insurance company is Liberty Mutual emerging for its competitive rates and extensive coverage options. Alongside Liberty Mutual, USAA and American Family also shine as the best choices, offering affordable premiums and excellent customer satisfaction.

This article delves into detailed comparisons of these top providers, highlighting their strengths in providing reliable protection for South Dakota drivers. Whether you’re seeking minimum coverage or comprehensive policies, comparing quotes from these leading insurers ensures you find the best fit for your insurance needs.

Our Top 10 Company Picks: Best South Dakota Auto Insurance

Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

#1 – Liberty Mutual: Top Overall Pick

Pros

• Customizable Coverage: Liberty Mutual offers a wide range of coverage options that can be tailored to individual needs.
• A.M. Best Rating: The results of our Liberty Mutual auto insurance review suggests Liberty Mutual is rated A for financial stability by A.M. Best.
• Customer Satisfaction: Generally positive reviews for customer service.

Cons

• Customer Service Concerns: Some customers report issues with the responsiveness of customer service.
• Premiums: Rates may be higher compared to competitors for certain profiles.

#2 – USAA: Best for Military Focus

Pros

• Military Focus: Tailored products and exceptional service for military members and their families.
• A.M. Best Rating: Highest possible rating of A++ for financial strength and stability.
• Customer Service: Our USAA auto insurance review indicates USAA being highly rated for customer service satisfaction.

Cons

• Membership Restrictions: Only available to current and former military members and their families.
• Limited Branch Locations: Physical branches are not widely available in all areas.

#3 – American Family: Best for Customer Service

Pros

• Customer Service: Strong reputation for excellent customer service and claims handling.
• A.M. Best Rating: Our American Family auto insurance review reveals American Family is rated A for financial stability by A.M. Best.
• Coverage Options: Offers a variety of coverage options to meet customer needs.

Cons

• Coverage Limitations: Some customers find that coverage options may not be as customizable compared to other providers.
• Pricing: Premiums can be relatively higher in certain regions or for certain demographics.

#4 – Farmers: Best for Comprehensive Options

Pros

• Comprehensive Options: Provides a wide array of coverage options to suit various needs.
• A.M. Best Rating: Our Farmers auto insurance review reveals that Farmers is known for A rating exuding financial strength.
• Claims Handling: Generally good reviews for claims processing.

Cons

• Customer Satisfaction: Some customers report dissatisfaction with claims processing and customer service.
• Premium Costs: Rates may be higher compared to some competitors.

#5 – Geico: Best for Competitive Rates

Pros

• Competitive Rates: Known for offering some of the most competitive premiums in the industry. Geico offers competitive rates and Geico auto insurance discounts tailored for drivers with good records.
• A.M. Best Rating: Highest rating of A++ for financial stability.
• Accessibility: Easy online tools and customer service accessibility.

Cons

• Limited Coverage Options: Geico may not offer as many specialized coverage options compared to other insurers.
• Customer Service: Some customers report issues with customer service responsiveness.

#6 – Progressive: Best for Flexible Policies

Pros

• Flexible Policies: Offers customizable policies and a variety of coverage options.
• A.M. Best Rating: According to our Progressive auto insurance review, Progressive is rated A+ for financial strength.
• Innovative Tools: Provides tools like Snapshot for personalized rates.

Cons

• Pricing Structure: Progressive’s rates may not always be the lowest, depending on the driver profile.
• Claims Process: Some customers find the claims process to be more involved compared to other insurers.

#7 – Travelers: Best for Reliable Claims

Pros

• Reliable Claims: Known for efficient claims processing and customer satisfaction in this regard.
• A.M. Best Rating: Highest rating of A++ for financial stability.
• Coverage Options: Insights from our Travelers auto insurance reviews shows Travelers offers a broad range of coverage options.

Cons

• Premiums: Rates can be on the higher side for certain demographics or coverage levels.
• Availability: Not as widely available in all states compared to larger insurers.

#8 – Nationwide: Best for Broad Coverage

Pros

• Broad Coverage: Our assessment of Nationwide auto insurance review illustrates Nationwide offers extensive coverage options and add-ons to customize policies.
• A.M. Best Rating: Rated A+ for financial strength.
• Customer Support: Generally positive reviews for customer support.

Cons

• Pricing: Premiums may be higher compared to some regional insurers.
• Customer Service: Mixed reviews regarding customer service satisfaction.

#9 – State Farm: Best for Local Agents

Pros

• Local Agents: Extensive network of local agents for personalized service and support.
• Customer Service: Our examination of State Farm auto insurance review shows State Farm is highly rated for customer service and claims handling.
• Community Involvement: Actively involved in supporting local communities.

Cons

• Premiums: Rates may be relatively higher compared to some competitors.
• Discounts: Some customers find that discounts offered are not as extensive as with other insurers.

#10 – Allstate: Best for Extensive Discounts

Pros

• Extensive Discounts: Offers a wide range of discounts that can help lower premiums significantly.
• A.M. Best Rating: Our analysis of Allstate auto insurance review reveals Allstate’s A+ rating for financial strength.
• Technology: Provides innovative tools like DriveWise for safe driving rewards.

Cons

• Pricing: Premiums can still be relatively high despite discounts.
• Customer Satisfaction: Mixed reviews regarding customer service and claims processing efficiency.

South Dakota Auto Insurance by Coverage Level

How much is auto insurance in South Dakota? In South Dakota, rates vary widely based on the coverage level and provider chosen. For minimum coverage, which typically includes liability insurance to cover damages to others in an accident, the rates range from $9 per month with Geico to $37 per month with Liberty Mutual.

This basic coverage is the most affordable option but offers limited protection for the insured vehicle. For drivers opting for full coverage auto insurance, which includes comprehensive auto insurance and collision insurance in addition to liability, the monthly premiums increase significantly. Geico offers the lowest full coverage rate at $57 per month, while Liberty Mutual charges the highest at $230 per month.

South Dakota Auto Insurance Monthly Rates by Coverage Level & Provider

Other major insurers like Allstate, American Family, Farmers, Nationwide, Progressive, State Farm, Travelers, and USAA fall within these ranges, with their full coverage premiums varying based on their individual risk assessments and coverage offerings.

Factors influencing these rates include the driver’s age, driving history, the type of vehicle insured, and even the specific location within South Dakota. Urban areas may have higher rates due to increased traffic and risk of accidents, while rural areas generally see lower premiums. Insurers also consider local weather conditions and crime rates when determining premiums.

To find the best car insurance in South Dakota, drivers are advised to obtain car insurance quotes in South Dakota from multiple providers and compare coverage levels, deductibles, and exclusions carefully.

This ensures they get the most suitable coverage for their needs at a competitive price, balancing affordability with comprehensive protection against potential financial losses due to accidents or theft. Understanding these rate dynamics helps drivers make informed decisions to safeguard themselves and their vehicles on South Dakota’s roads.

Cheap Auto Insurance in South Dakota With Bad Credit

Due to their risk profile, most drivers with poor credit pay up to 60% more for car insurance coverage. However, if you have bad credit, you may be able to find competitive coverage rates.

Auto Insurance Monthly Rates by Credit Score

Geico offers cheap full coverage auto insurance rates for someone with bad credit at $160 monthly. 

Cheap Auto Insurance in South Dakota After an At-Fault Accident

If you’re in at-fault accident, expect it to impact your insurance rates. One at-fault accident could increase your monthly car insurance rates by more than $50.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

State Farm offers cheap auto insurance after an accident in South Dakota for drivers with accidents on their records, charging around $140 a month for coverage. Our State Farm auto insurance review compares rates across all demographics.

Cheap Auto Insurance in South Dakota for Young Drivers

Teen drivers present a higher risk for South Dakota car insurance companies as they’re more likely to get into an accident. Consequently, car insurance in South Dakota for teens comes with higher rates. Learn more information on “Companies With the Cheapest Teen Auto Insurance.”

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Teen drivers pay over $350 on monthly auto insurance coverage. However, Nationwide offers teen drivers rates around $320 monthly. Read our Nationwide auto insurance review.

South Dakota Auto Insurance Rates by City

Car insurance is more expensive in some areas than in others. Rates vary from one city to the next. For example, you’ll pay higher rates for auto insurance coverage Sioux Falls SD since it’s a big city. Read more about Sioux Falls, SD auto insurance.

Cheap car insurance in South Dakota should be easy to find if you shop online to compare auto insurance quotes South Dakota. Depending on where you live, your ZIP code may help you get lower-than-average auto insurance costs in South Dakota. Use our comparison tool below to compare auto insurance quotes by ZIP code for free.

South Dakota DUI Auto Insurance

A DUI can cause South Dakota drivers to pay up to $100 more for coverage monthly. So if you’re looking for cheap car insurance with a DUI on your record, you may find that rates are much higher than expected.

However, you can compare quotes from multiple companies in your area to see if some providers offer better rates. The best way to find car insurance after a DUI is to get quotes from multiple companies.

Auto Insurance Monthly Rate Increases: Clean Record vs. One DUI

State Farm offers the cheapest rates in South Dakota for people with a DUI, at $156. Comparatively, Geico’s rates are nearly $167 more monthly. Read our review to compare Geico vs. State Farm auto insurance. Once you find the companies that have the policies you need, shop online to compare quotes.

Progressive’s Comparison With Other Auto Insurance Providers

Explore a detailed comparison of Progressive, focusing on coverage, rates, and customer satisfaction. Make an informed decision by delving into the details.

Progressive vs. Other Top Auto Insurance Providers

Ultimately, choosing an insurance provider involves weighing coverage options, affordability, and customer service. Progressive’s comprehensive offerings and competitive pricing make it a compelling choice for many individuals and families seeking reliable insurance coverage.

Make an informed decision by exploring Progressive’s offerings in detail, ensuring you select the insurance that best fits your needs and budget. Be more guided by knowing “Where to Compare Auto Insurance Rates.”

South Dakota Auto Insurance Requirements

Drivers in South Dakota must carry car insurance in accordance with auto insurance South Dakota requirements. Individuals who purchase a liability-only insurance policy pay around $21 monthly for coverage.

What would you do if your car 🚘was damaged by a hit and run or uninsured driver? Maybe it’s time to consider🤔uninsured motorist property damage coverage. https://t.co/Jw0i5Eacvg has a guide to help you decide💡what’s right for you. Check it out here👉: https://t.co/lb0f61gA8i… pic.twitter.com/u4k8B4U2Qz

— AutoInsurance.org (@AutoInsurance) September 17, 2023

Mandatory coverage in South Dakota includes:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident
• $25,000 of property damage liability per accident
• $25,000 of uninsured/underinsured coverage per person
• $50,000 of uninsured/underinsured coverage per accident

In addition to the state’s minimum coverage requirements, South Dakota residents can choose between the following additional coverages:

• Comprehensive auto insurance
• Collision auto insurance
• Gap insurance
• Medical payments
• Rental car reimbursement coverage
• Roadside assistance coverage
• Accidental death
• Total disability

The more coverage you purchase, the more your car insurance costs. However, full coverage and add-on protections will ensure you’re better protected on the road.

South Dakota SR-22 Auto Insurance

In South Dakota, SR-22 auto insurance is mandated for several specific reasons, primarily aimed at individuals deemed high-risk by the state. These reasons include DUI convictions, driving without auto insurance, multiple at-fault collisions, driving with a suspended license, and accumulating too many points on a license.

It may be challenging to find a policy if you don’t have insurance. Some companies will offer you a policy and file an SR-22, but you’ll likely have to pay a fee. In addition, some companies will probably deny coverage if you need to file SR-22 with a DUI on your record.

Discover more information on our “SR-22 Auto Insurance: What is it and who needs it?”

You may find it challenging to buy SR-22 coverage without a vehicle. However, the easiest thing you can do is buy non-owner auto insurance before filing an SR-22 request. Read more about non-owner SR-22 auto insurance policies.

If you find yourself in any of these situations, you’ll need to obtain SR-22 coverage to demonstrate financial responsibility. The process involves contacting your current insurance provider, who will then file the SR-22 on your behalf.

While you can generally maintain your relationship with your existing insurer, be prepared for increased premiums due to the higher risk associated with needing SR-22 coverage. This requirement underscores the state’s commitment to ensuring that drivers who have exhibited risky behavior remain financially accountable on the road, thereby promoting safer driving practices overall.

Case Studies Illustrating Diverse Auto Insurance Solutions

In this section, we present several case studies highlighting real-world scenarios where individuals benefited from specific auto insurance solutions tailored to their needs.

• Case Study 1 – Post-Accident Savings With State Farm: John, from Rapid City, South Dakota, saved over $100 per month by switching to State Farm after an at-fault accident. This change provided comprehensive coverage while significantly reducing his financial burden.
• Case Study 2 – Geico’s Rideshare Insurance for Confidence on the Road: Sarah, a rideshare driver in Sioux Falls, South Dakota, found peace of mind with Geico’s rideshare auto insurance, offering competitive rates for comprehensive coverage during both personal and rideshare use.
• Case Study 3 – Nationwide’s Affordable Insurance for Teen Drivers: Mark and Lisa, parents in Aberdeen, South Dakota, opted for Nationwide for their teenage son’s insurance due to its affordability and comprehensive coverage tailored for young drivers.
• Case Study 4 – Progressive’s Solution for High-Risk Insurance Needs: Emily, a Pierre resident with a DUI conviction, turned to Progressive for specialized services. Progressive provided an SR-22 filing and manageable premiums, helping Emily meet legal requirements without financial strain.

These case studies illustrate how personalized auto insurance solutions can address specific needs and circumstances, ensuring individuals in South Dakota find the coverage that best suits them.

Whether recovering from an accident, needing specialized insurance for rideshare work, insuring young drivers, or managing high-risk situations, exploring options and comparing South Dakota auto insurance quotes can lead to significant savings and peace of mind.

The Bottom Line: Making an Informed Choice on South Dakota Auto Insurance

Choosing the right auto insurance out of the best auto insurance companies in South Dakota requires careful consideration of several factors such as coverage options, premiums, and customer satisfaction ratings. Whether opting for minimum liability coverage or comprehensive policies, comparing quotes remains crucial for finding the most suitable insurance plan.

Additionally, factors like driving history, credit score, and specific coverage needs can influence the final decision. By leveraging online tools and resources, South Dakota drivers can make informed choices to ensure adequate protection on the road without compromising on affordability or quality of service. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.