- According to recent data, Farmers Mutual of Nebraska offers the cheapest full coverage car insurance in South Dakota at $125 per month.
- In South Dakota, the city of Mitchell has the most affordable car insurance rates at $2,329 annually.
- Comparing price quotes from multiple insurers can help you save up to 42% per year on your car insurance policy in South Dakota.
You can find the cheapest full-coverage car insurance in South Dakota for $125 a month from Farmers Mutual of Nebraska. It saves you $90 compared to the state average car insurance cost of $215 monthly.
Shopping for car insurance in South Dakota can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in South Dakota should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance rates in South Dakota?
Based on data analysis by CarInsurance.com, Farmers Mutual of Nebraska provides the cheapest full coverage auto insurance rates for South Dakota drivers at a monthly rate of $125 or $1,504 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in South Dakota.
Cheapest car insurance rates in South Dakota per month
| Company | Full coverage monthly rates |
|---|---|
| Farmers Mutual of Nebraska | $125 |
| Progressive | $189 |
| Allstate | $195 |
| Nationwide | $212 |
| State Farm | $213 |
| North Star Mutual | $234 |
| Auto-Owners | $241 |
| Farmers | $241 |
| GEICO | $255 |
| Iowa Farm Bureau | $351 |
Who pays the lowest auto insurance premiums in South Dakota?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 9% less than single drivers.
- South Dakota drivers in their 20s pay 64% lower rates for insurance than a 16-year-old in South Dakota.
- Adding a teen to your policy will cost you 69% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 21% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 11% for this state more on their premiums.
Cheapest insurers for different coverage levels in South Dakota
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Progressive is the cheapest for a state minimum policy.
- Progressive has the cheapest rates for a liability-only policy (50/100/50).
- Farmers Mutual of Nebraska offers the cheapest car insurance for a full coverage policy (100/300/100) in South Dakota.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in South Dakota
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In South Dakota, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in South Dakota, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Progressive | $228 |
| Farmers Mutual of Nebraska | $244 |
| North Star Mutual | $310 |
| GEICO | $324 |
| Auto-Owners | $401 |
| Iowa Farm Bureau | $411 |
| State Farm | $450 |
| Allstate | $553 |
| Nationwide | $677 |
| Farmers | $848 |
Cheapest insurance providers for liability-only coverage in South Dakota
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in South Dakota, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Progressive | $254 |
| Farmers Mutual of Nebraska | $290 |
| North Star Mutual | $305 |
| Auto-Owners | $373 |
| GEICO | $373 |
| Iowa Farm Bureau | $428 |
| State Farm | $519 |
| Allstate | $606 |
| Nationwide | $674 |
| Farmers | $959 |
Cheapest car insurance companies in South Dakota for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in South Dakota based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Farmers Mutual of Nebraska | $1,504 |
| Progressive | $2,270 |
| Allstate | $2,336 |
| Nationwide | $2,547 |
| State Farm | $2,551 |
| North Star Mutual | $2,812 |
| Farmers | $2,890 |
| Auto-Owners | $2,895 |
| GEICO | $3,061 |
| Iowa Farm Bureau | $4,212 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in South Dakota by driving history
Your driving history impacts insurance premiums in South Dakota, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In South Dakota, drivers with a history of traffic violation pay an average of $1,338 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in South Dakota
If you’ve got a speeding ticket on your South Dakota driving record and need affordable car insurance, Farmers Mutual of Nebraska might be the answer. With an average annual rate of $1,815 , Farmers Mutual of Nebraska offers the cheapest full coverage auto insurance options for drivers with speeding tickets in South Dakota.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $1,504 | $1,815 | 21% | $311 |
| Allstate | $2,336 | $2,525 | 8% | $189 |
| State Farm | $2,551 | $2,692 | 6% | $141 |
| Progressive | $2,270 | $3,028 | 33% | $758 |
| North Star Mutual | $2,812 | $3,257 | 16% | $445 |
| GEICO | $3,061 | $3,389 | 11% | $328 |
| Farmers | $2,890 | $3,701 | 28% | $811 |
| Auto-Owners | $2,895 | $4,102 | 42% | $1,207 |
| Nationwide | $2,547 | $4,621 | 81% | $2,074 |
| Iowa Farm Bureau | $4,212 | $6,166 | 46% | $1,954 |
Cheapest car insurance in South Dakota after a DUI conviction
State Farm offers the cheapest car insurance to South Dakota drivers with a DUI conviction at $2,692 per year and Progressive has the second-cheapest insurance premiums at $2,699 a year, based on recent data.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $2,551 | $2,692 | 6% | $141 |
| Progressive | $2,270 | $2,699 | 19% | $429 |
| Farmers Mutual of Nebraska | $1,504 | $3,005 | 100% | $1,501 |
| Farmers | $2,890 | $3,817 | 32% | $927 |
| Allstate | $2,336 | $3,855 | 65% | $1,519 |
| Auto-Owners | $2,895 | $5,363 | 85% | $2,468 |
| Nationwide | $2,547 | $6,319 | 148% | $3,772 |
| North Star Mutual | $2,812 | $8,852 | 215% | $6,040 |
| Iowa Farm Bureau | $4,212 | $8,890 | 111% | $4,678 |
| GEICO | $3,061 | $9,551 | 212% | $6,490 |
Cheap car insurance rates after an at-fault accident in South Dakota
Farmers Mutual of Nebraska is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $2,075 .
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,849 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $1,504 | $2,075 | 38% | $571 |
| State Farm | $2,551 | $2,849 | 12% | $298 |
| Progressive | $2,270 | $3,379 | 49% | $1,109 |
| Allstate | $2,336 | $3,416 | 46% | $1,080 |
| Farmers | $2,890 | $3,967 | 37% | $1,077 |
| Auto-Owners | $2,895 | $4,072 | 41% | $1,177 |
| Nationwide | $2,547 | $4,602 | 81% | $2,055 |
| North Star Mutual | $2,812 | $5,009 | 78% | $2,197 |
| GEICO | $3,061 | $5,071 | 66% | $2,010 |
| Iowa Farm Bureau | $4,212 | $6,455 | 53% | $2,243 |
Check out the most affordable insurance options in your neighboring state
South Dakota cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Mitchell is the city with the lowest premiums in South Dakota at an annual auto insurance rate of $2,329.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of South Dakota cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Mitchell | $2,329 |
| Yankton | $2,340 |
| Watertown | $2,353 |
| Brookings | $2,365 |
| Huron | $2,398 |
| Aberdeen | $2,441 |
| Sioux Falls | $2,478 |
| Pierre | $2,633 |
| Spearfish | $2,657 |
| Rapid City | $2,665 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in South Dakota?
By comparing car insurance quotes, you can save an average of 42% per year for a full coverage policy in South Dakota.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in South Dakota: Save on premiums
In South Dakota, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in South Dakota below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air Bags | 2% | $53 |
| Anti-Theft Device | 4% | $99 |
| Comp and Coll Deductibles | 27% | $689 |
| Daily Commute | 11% | $271 |
| Days Advanced Purchase | 7% | $186 |
| Days Per Week Driven | 10% | $270 |
| Education | 10% | $249 |
| Electronic Funds Transfer | 3% | $71 |
| Homeowner | 6% | $158 |
| Lower Annual Mileage | 6% | $167 |
| Loyalty – Years Renewal With Company | 29% | $743 |
| Marital Status | 9% | $223 |
| Multi Policy | 9% | $223 |
| Paperless/Electornic Documents | 2% | $56 |
| Payment Type | 9% | $233 |
| Primary Use | 13% | $342 |
| Profession | 9% | $222 |
| Safety Devices | 2% | $53 |
| Student Away At School | 21% | $533 |
| Telematics | 10% | $247 |
| Years Insured | 25% | $644 |
| Years Licensed | 27% | $690 |
Final thoughts on cheap car insurance in South Dakota
Our research shows that Farmers Mutual of Nebraska has the cheapest full coverage car insurance rates in South Dakota for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in South Dakota, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates from all the major insurers in nearly every ZIP code of South Dakota for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
*USAA is only available to military community members and their families.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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