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South-Dakota

South Dakota Car Insurance Rates


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 car insurance requirements

South Dakota state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000

South Dakota Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In South Dakota
  • 57714: $1,322
    WEST BENNETT
  • 57622: $1,320
    EAST HAAKON
  • 57551: $1,319
    MARTIN
  • 57574: $1,319
    EAST BENNETT
 
Cheapest Neighborhoods
In South Dakota
  • 57069: $940
    VERMILLION
  • 57201: $953
    KRANZBURG
  • 57235: $954
    FLORENCE
  • 57064: $956
    TEA


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What you need to know about car insurance in South Dakota

Penny Gusner
CarInsurance.com
Consumer Analyst

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.

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.