Car Insurance Quotes
South Dakota Car Insurance
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. Each insurer uses its own system to calculate rates, so you can overpay if you don't compare insurance companies to see who has the lowest price. 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.
Cheap car insurance in South Dakota
South Dakota car insurance requirements
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
| Uninsured/underinsured motorist bodily injury | $25,000/$50,000 |
Recommended car insurance coverage
The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.
Use our How Much Car Insurance Do You Need? tool to get a recommendation.
Liability
We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:
- less than $50,000, choose at least 50/100/50
- between $50,000 and $100,000, choose at least 100/300/100
- more than $100,000, choose at least 250/500/100
If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.
Collision and comprehensive
Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:
- less than 10 years old, you should strongly consider buying collision and comprehensive.
- more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.
For drivers in South Dakota, collision costs an average of $417 yearly, comprehensive is $461, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.
Medical coverage (MedPay)
Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:
- Covers you and your passengers’ medical expenses
- Pays for expenses after health insurance limits are exceeded
- Offers additional protection to insured drivers who are hit by a car while walking or biking
If you and your passengers:
- Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
- Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.
Gap insurance
If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.
- If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
- If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
- If you own your car outright, you don’t need gap insurance.
| Coverage limits | Average annual rate |
|---|---|
| Liability Only - state minimum | $267 |
| Liability Only - 50/100/50 BI/PD | $290 |
| Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible | $1,059 |
**The table shows the average annual rate of nearly every ZIP code in South Dakota from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.
Cheapest car insurance in South Dakota by company
Below you'll see average annual rates for South Dakota, ranked cheapest to most expensive, for three coverage levels:
- State minimum liability requirements
- Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
- Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
| Company | State minimum average annual rate | 50/100/50 average annual rate | 100/300/100 average annual rate |
|---|---|---|---|
| Allstate Ins Co | $425 | $446 | $1,562 |
| Amco Ins Co | $309 | $346 | $938 |
| Geico Gen Ins Co | $166 | $191 | $708 |
| Mid Century Ins Co | $291 | $308 | $982 |
| Progressive Northern Ins Co | $173 | $177 | $1,110 |
| State Farm Mut Auto Ins Co | $236 | $272 | $1,052 |
Low cost auto insurance for South Dakota drivers with recent accidents
Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average South Dakota driver with a full coverage policy:
| Company | 1 At-fault property damage accident over $2K | 2 At-fault property damage accident over $2k | At-fault bodily injury accident |
|---|---|---|---|
| Allied AMCO PPAM | $2,127 | $3,008 | $2,127 |
| Allstate Insurance | $2,392 | $3,931 | $2,392 |
| GEICO General | $1,172 | $1,737 | $1,172 |
| Mid-Century Ins Co | $1,556 | $1,854 | $1,556 |
| Progressive Northern | $1,456 | $3,023 | $1,456 |
| State Farm Mutual Auto | $1,101 | $1,577 | $1,101 |
*The table shows the average annual rate of nearly every ZIP code in South Dakota from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.
Who has the cheapest South Dakota car insurance for drivers with speeding tickets?
If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $1,003, on average, according to CarInsurance.com's rate analysis. That's how much you can save by comparing car insurance companies.
| Company | Average Rate |
|---|---|
| GEICO General | $914 |
| State Farm Mutual Auto | $1,101 |
| Mid-Century Ins Co | $1,427 |
| Allied AMCO PPAM | $1,637 |
| Progressive Northern | $1,845 |
| Allstate Insurance | $1,917 |
How much does it cost to add a teen to your policy in South Dakota?
No matter where you live, adding a new driver to your family policy will hike your rate significantly. In South Dakota, you can expect your rate to go up by an average of 122 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You'll see in the table below how much it costs, on average, to add a teen driver in South Dakota, and how major insurers compare on price. GEICO General had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.
| Company | Average Rate | Average Rate after adding female teen | $ Increase (female) | Average Rate after adding male teen | $ Increase (male) |
|---|---|---|---|---|---|
| Allied AMCO PPAM | $1,264 | $2,670 | $1,406 | $3,310 | $2,046 |
| Allstate Insurance | $1,750 | $3,489 | $1,738 | $3,879 | $2,128 |
| GEICO General | $914 | $1,402 | $488 | $1,780 | $866 |
| Mid-Century Ins Co | $1,156 | $2,056 | $900 | $2,089 | $933 |
| Progressive Northern | $1,372 | $2,559 | $1,187 | $2,871 | $1,499 |
| State Farm Mutual Auto | $1,046 | $2,144 | $1,099 | $2,730 | $1,684 |
Cheapest South Dakota auto insurance for young drivers: Ages 18 to 25
Enter an age from 18 to 25 to see who has the best rates for young drivers in South Dakota, by company.
You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.
Senior drivers: Cheap auto insurance for South Dakota drivers age 65 to 85
Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.
Car insurance for South Dakota drivers with bad credit
Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. South Dakota ranks 25th among the worst states for drivers with bad credit, as CarInsurance.com's data analysis shows. Compared to good credit drivers, those in South Dakota with bad credit pay 70 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $868 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.
| Company | Poor credit |
|---|---|
| GEICO General | $1,688 |
| Allied AMCO PPAM | $1,809 |
| Mid-Century Ins Co | $1,984 |
| State Farm Mutual Auto | $2,131 |
| Progressive Northern | $2,548 |
| Allstate Insurance | $2,556 |
Best car insurance companies in South Dakota
Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.
| Rank | Company | Score |
|---|---|---|
| 1 | CSAA Insurance Group | 93.43 |
| 2 | USAA | 92.08 |
| 3 | Allstate | 90.18 |
| 4 | Liberty Mutual | 88.21 |
| 5 | American Family | 88.14 |
| 6 | Erie | 87.41 |
| 7 | The Auto Club Group (ACG) - AAA | 87.21 |
| 8 | Auto Club of Southern California (Auto Club Enterprise Insurance Group) | 86.86 |
| 9 | Progressive | 85.66 |
| 10 | Esurance | 85.22 |
| 11 | Geico | 84.11 |
| 12 | Nationwide | 83.80 |
| 13 | Safeco | 83.67 |
| 14 | Farmers | 83.25 |
| 15 | Metlife | 83.11 |
| 16 | State Farm | 82.34 |
| 17 | Travelers | 82.22 |
| 18 | Hartford | 81.19 |
| 19 | The General | 79.03 |
Largest car insurance companies in South Dakota
| Rank | Company | Premiums Written | Market Share |
|---|---|---|---|
| 1 | State Farm Group | 107,435 | 19.80% |
| 2 | Progressive Insurance Group | 75,757 | 13.96% |
| 3 | American Family Insurance Group | 52,467 | 9.67% |
| 4 | Nationwide Group | 26,794 | 4.94% |
| 5 | Farmers Insurance Group | 25,241 | 4.65% |
| 6 | USAA Group | 23,416 | 4.32% |
| 7 | Berkshire Hathaway Insurance Group | 17,660 | 3.25% |
| 8 | Liberty Mutual Insurance Companies | 17,258 | 3.18% |
| 9 | Allstate Insurance Group | 7,006 | 1.29% |
| 10 | Travelers Group | 0 | 0.00% |
Source: A.M. Best; State/Line (P/C Lines) - P/C, US; Data as of:November 28, 2018
South Dakota Car Insurance Laws
| Roads | Number of Fatal Accidents |
|---|---|
| I-90 W | 7 |
| SR-44 | 6 |
| CR-BIA 41 | 5 |
| US-12 | 4 |
| SR-34 | 4 |
| SR-10 | 4 |
| US-385 | 3 |
| US-212 | 3 |
| US-16 | 3 |
| US-14A | 3 |
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.
Average annual car insurance rates for major cities in South Dakota
Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.
| City | Average Premium |
|---|---|
| Aberdeen | $1,098 |
| Brookings | $1,085 |
| Rapid City | $1,259 |
| Sioux Falls | $1,148 |
| Watertown | $1,061 |
| South Dakota | $1,155 |
| National | $1,679 |