Cheap Car Insurance in South Dakota for 2022
South Dakota's average car insurance policy costs $1,577 a year, but you can find cheaper coverage online by shopping for quotes.
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UPDATED: Sep 29, 2022
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free online auto insurance quotes to compare costs from several providers, which can help you decide which company might work best for you. Table of Contents If you choose a liability-only car insurance policy, you could save over $1,400 annually on coverage. Still, you won’t have the coverage types that protect you and your vehicle properly if you’re ever in an accident. Progressive offers the cheapest minimum coverage rates at under $200 a year. USAA comes in second with rates around $212 annually. Enter your ZIP code below to view companies that have cheap auto insurance rates. Nationwide offers the cheapest full coverage rates in South Dakota at around $1,372 annually. Farmers Insurance offers the next lowest premium at $1,410 a year. 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. GEICO offers the cheapest full coverage rates for someone with bad credit at $1,930 annually. If you’re at fault in an accident, expect it to impact your insurance rates. One at-fault accident could increase your annual car insurance rates by more than $600. State Farm offers the cheapest coverage for South Dakota drivers with accidents on their records, charging $1,711 a year for coverage. Enter your ZIP code below to view companies that have cheap auto insurance rates. Teen drivers present a higher risk for insurance companies as they’re more likely to get into an accident. Consequently, young drivers often pay higher rates. Teen drivers pay over $4,500 on average for annual auto insurance coverage. However, Nationwide offers teen drivers rates around $3,826 annually. Car insurance is more expensive in some areas than in others. Rates vary from one city to the next. Auto insurance in Sioux Falls should be easy to find, but you’ll have to shop online to compare quotes. Depending on where you live, your ZIP code may help you get lower-than-average rates on car insurance. A DUI can cause South Dakota drivers to pay up to $1,200 more for coverage yearly. 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. State Farm offers the cheapest rates in South Dakota for people with a DUI, at $1,876. Comparatively, GEICO's rates are nearly $2,000 more annually. Once you find the companies that have the policies you need, shop online to compare quotes. Enter your ZIP code below to view companies that have cheap auto insurance rates. Drivers in South Dakota must carry car insurance by law. Individuals who purchase a liability-only policy pay around $254 annually for coverage. Mandatory coverage in South Dakota includes: In addition to the state's minimum coverage requirements, South Dakota residents can choose between the following additional coverages: 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 requires SR-22 filings for specific reasons, such as: If you have insurance, you can ask your provider to file an SR-22. In many cases, you'll be able to stick with your provider and pay higher coverage rates. 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 have a DUI on your record. You may find it challenging to buy SR-22 coverage without a vehicle. However, the easiest thing you can do is purchase a non-owners car insurance policy before filing an SR-22 request. If you’re looking for cheap South Dakota car insurance, shop online and compare quotes from multiple providers to find the best policy for the lowest price in your area. The average annual cost of South Dakota auto insurance is $1,577. However, you could find the cheapest car insurance in South Dakota by comparing quotes, asking about discounts, or purchasing a liability-only policy. Enter your ZIP code below to view companies that have cheap auto insurance rates. How much is auto insurance in South Dakota? It will depend on which insurance company you decide to go with, your driving history, credit history, and several other factors.. However, Nationwide offers car insurance for $686 for a six-month policy, while Farmers charges $705. Do I need car insurance in South Dakota? The simple answer is, yes. You must meet South Dakota’s minimum coverage requirements. If you lease or finance a vehicle, you’ll probably need a full coverage policy. Is South Dakota an at-fault state? Yes, drivers in South Dakota must pay for the injuries they cause in an accident. Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts. Written by
Rachel Bodine Reviewed by
Daniel Walker
What’s the cheapest insurance provider for minimum coverage in South Dakota?
Insurance Company Average Minimum Coverage Rates
Allstate $605
American Family $582
Farmers $674
GEICO $290
Liberty Mutual $771
Nationwide $588
Progressive $484
State Farm $408
Travelers $471
Average $541
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Secured with SHA-256 EncryptionWho offers the cheapest full coverage car insurance in South Dakota?
Insurance Company Average Full Coverage Rates
Allstate $1,993
American Family $1,386
Farmers $1,674
GEICO $984
Liberty Mutual $2,120
Nationwide $1,445
Progressive $1,310
State Farm $1,091
Travelers $1,287
Average $1,477
Can I get cheap car insurance in South Dakota with bad credit?
Insurance Company Rates with Poor Credit Rates with Fair Credit Rates with Good Credit
American Family $2,432 $1,635 $1,386
Farmers $3,233 $1,926 $1,674
GEICO $1,781 $1,197 $984
Liberty Mutual $4,256 $2,712 $2,120
Nationwide $1,988 $1,595 $1,445
Progressive $2,471 $1,655 $1,310
State Farm $2,398 $1,411 $1,091
Travelers $2,323 $1,534 $1,287
Allstate $3,551 $2,362 $1,993
Average $2,715 $1,781 $1,477
Can I get cheap car insurance in South Dakota after an at-fault accident?
Insurance Company Rates with an Accident Rates with a Clean Record
Allstate $2,848 $1,993
American Family $2,000 $1,386
Farmers $2,383 $1,674
GEICO $1,595 $984
Liberty Mutual $2,840 $2,120
Nationwide $1,983 $1,445
Progressive $2,284 $1,310
State Farm $1,285 $1,091
Travelers $1,888 $1,287
Average $2,123 $1,477
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Secured with SHA-256 EncryptionCan I find cheap auto insurance for young drivers in South Dakota?
Do car insurance rates vary by city in South Dakota?
What happens if I get a DUI in South Dakota?
Insurance Company Rates with a DUI Rates with a Clean Record
Allstate $3,638 $1,993
American Family $2,124 $1,386
Farmers $2,296 $1,674
GEICO $2,566 $984
Liberty Mutual $3,900 $2,120
Nationwide $3,028 $1,445
Progressive $1,760 $1,310
State Farm $1,490 $1,091
Travelers $2,765 $1,287
Average $2,619 $1,477
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Secured with SHA-256 EncryptionWhat are the minimum requirements in South Dakota?
Does South Dakota require SR-22 filings?
SR-22 for Uninsured Drivers
SR-22 for Drivers Without a Vehicle
Cheap Auto Insurance in South Dakota: The Bottom Line
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Secured with SHA-256 EncryptionFrequently Asked Questions
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