South Dakota Auto Insurance (2023)
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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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Jan 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Jan 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Table of Contents If you choose liability-only car insurance, 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.
Who offers the cheapest minimum coverage in South Dakota?
Insurance Company Average Minimum Coverage Rates
Allstate $61
American Family $44
Farmers $53
Geico $31
Liberty Mutual $68
Nationwide $44
Progressive $39
State Farm $33
Travelers $37
Average $45
Progressive offers the cheapest minimum coverage rates at under $20 a month.
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Who offers the cheapest full coverage insurance in South Dakota?
Nationwide offers the cheapest full coverage auto insurance in South Dakota at around $114 monthly.
| Insurance Company | Average Full Coverage Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $173 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| Average | $120 |
Farmers Insurance offers the next lowest premium at $118 a month.
Can I get 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.
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| American Family | $203 | $136 | $116 |
| Average | $226 | $148 | $123 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| USAA | $129 | $76 | $63 |
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Geico offers the cheapest full coverage rates for someone with bad credit at $160 monthly. Read our Geico auto insurance review to compare insurance rates with other national companies.
Can I get cheap auto insurance in South Dakota after an at-fault accident?
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.
| Insurance Company | Rates with an Accident | Rates with a Clean Record | ||
|---|---|---|---|---|
| Allstate | $225 | $160 | ||
| American Family | $176 | $117 | ||
| Average | $172 | $120 | ||
| Farmers | $198 | $139 | ||
| Geico | $132 | $80 | ||
| Liberty Mutual | $234 | $173 | ||
| Nationwide | $161 | $115 | ||
| Progressive | $186 | $105 | ||
| State Farm | $102 | $86 | ||
| Travelers | $139 | $99 | ||
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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.
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Can I find cheap auto insurance for young drivers in South Dakota?
Teen drivers present a higher risk for insurance companies as they’re more likely to get into an accident. Consequently, auto insurance for teens comes with higher rates.
| Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
|---|---|---|---|---|
| Allstate | $638 | $608 | $519 | $448 |
| American Family | $480 | $390 | $390 | $288 |
| Farmers | $742 | $778 | $603 | $573 |
| Geico | $312 | $298 | $254 | $220 |
| Liberty Mutual | $778 | $716 | $633 | $528 |
| Nationwide | $476 | $411 | $387 | $303 |
| Progressive | $814 | $801 | $662 | $591 |
| State Farm | $349 | $311 | $284 | $229 |
| Travelers | $897 | $709 | $729 | $523 |
| Average | $610 | $558 | $496 | $411 |
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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.
Do auto insurance rates vary by city in South Dakota?
Car insurance is more expensive in some areas than in others. Rates vary from one city to the next.
Cheap car insurance in South Dakota should be easy to find if you shop online to compare quotes. Depending on where you live, your ZIP code may help you get lower-than-average rates on car insurance. Use our comparison tool below to compare auto insurance quotes by ZIP code for free.
What happens if I get a DUI in South Dakota?
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.
| Insurance Company | Rates with a DUI | Rates with a Clean Record | ||
|---|---|---|---|---|
| State Farm | $112 | $86 | ||
| Progressive | $140 | $105 | ||
| Farmers | $192 | $139 | ||
| American Family | $194 | $117 | ||
| Travelers | $206 | $99 | ||
| Geico | $216 | $80 | ||
| Nationwide | $234 | $115 | ||
| Allstate | $270 | $160 | ||
| Liberty Mutual | $313 | $173 | ||
| Average | $209 | $120 | ||
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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. Read our review to compare State Farm vs. Geico auto insurance.
Once you find the companies that have the policies you need, shop online to compare quotes.
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What are the minimum requirements in South Dakota?
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:
- $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 insurance
- Collision insurance
- Gap insurance
- Medical payments
- Rental car reimbursement
- Roadside assistance
- 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.
Does South Dakota require SR-22 filings?
South Dakota requires SR-22 auto insurance for specific reasons, such as:
- DUI convictions
- Driving without insurance
- Multiple at-fault collisions
- Driving with a suspended license
- Accumulating too many points on a license
If you have up-to-date insurance coverage, you can ask your provider to file an SR-22. In many cases, you’ll be able to stick with your provider but pay higher rates.
SR-22 for Uninsured Drivers
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.
SR-22 for Drivers Without a Vehicle
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.
Cheap Auto Insurance in South Dakota: The Bottom Line
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 monthly cost of South Dakota auto insurance is $130. However, you could find the cheapest car insurance in South Dakota by comparing quotes, asking about discounts, or purchasing a liability-only policy.
Frequently Asked Questions
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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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
|