South Dakota ranks among the best states to save on car insurance. While its state car insurance rates overall are relatively low, the differences between insurance companies are bigger here than in most states. You can see an average rate below for every city and town in South Dakota, along with the highest and lowest rates we found from six national insurance carriers.
South Dakota state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Uninsured/underinsured motorist bodily injury
South Dakota Car Insurance Rates by ZIP Code & City
Invalid ZIP code or data not available
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
What you need to know about car insurance in South Dakota
Penny Gusner CarInsurance.com Consumer Analyst
South Dakota Car Insurance Laws
South Dakota's minimum required liability insurance levels are about average compared with other states. They're not adequate, though, if you have substantial savings or other assets you would like to protect from lawsuits.
South Dakota requires that you buy uninsured/underinsured motorist bodily injury insurance to pay your hospital bills if you get hit by a driver with no or inadequate coverage.
Rules for teen drivers: While South Dakota allows minors as young as 14 to get a learner's permit, those drivers cannot apply for a full operator's permit until age 16.
Cancellations and nonrenewals: Your policy can be canceled midterm only because of nonpayment or you have lost your driving privileges. If an insurance company chooses not to renew your policy, it must give you 60 days' notice.
Uninsured motorist penalties for South Dakota: You may be fined $500 and be sentenced to 30 days in jail, your license may be suspended and you may be required to file an SR-22 form.
Run for cover: South Dakota is prone to hailstorms, with hundreds of reports of hail every year. Only comprehensive coverage will pay for repairs. While paintless dent repair is often an appropriate and cheaper means of repair, the state's Department of Insurance notes, your insurance company must pay for traditional repairs if no paintless dent repair is available locally.
Proof of insurance via smartphone: South Dakota is one of 31 states that allow drivers to show electronic proof of insurance during a traffic stop.
Largest car insurance companies for South Dakota by market share
Company / Group
Direct Premiums Written ($)
Market Share (%)
State Farm Group
Progressive Insurance Group
Amer Family Insurance Group
Farmers Insurance Group
De Smet Insurance Group
Farm Bureau P&C Group
Farmers Mutual Insurance Company of NE
Berkshire Hathaway Insurance
Source: A.M. Best market share rankings are based on direct premiums written in 2013.