The cheapest car insurance in South Dakota costs $127 per month for a full coverage policy from Nationwide. That’s a $63 savings from the average cost of insurance in the state, which is $190 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in South Dakota including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Nationwide has the cheapest car insurance rates in South Dakota for full coverage at $127 a month among the companies analyzed by the team of CarInsurance.com.
- In South Dakota, drivers with clean driving records pay 46% less than drivers with a DUI.
- The city of Brookings has the lowest auto insurance rates in South Dakota, with an average premium of $1,916 per year.
- You can save up to 33% per year on your car insurance policy in South Dakota by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in South Dakota?
Nationwide has the cheapest full coverage car insurance in South Dakota, at an average premium of $127 per month or around $1,526 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in South Dakota. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in South Dakota per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Nationwide | $127 |
| Farmers Mut Ins Co of NE | $166 |
| Allstate | $173 |
| State Farm | $175 |
| Farmers | $184 |
| Geico | $199 |
| Auto-Owners | $214 |
| Iowa Farm Bureau | $228 |
| North Star Mutual | $229 |
| Progressive | $264 |
| USAA* | $148 |
Note: USAA is only available to military community members and their families.
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South Dakota drivers who pay lower insurance premiums
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 7% less than single drivers.
- South Dakota drivers with clean records pay 46% less than drivers who have a DUI on their record.
- South Dakota drivers in their 20s pay 56% lower rates for insurance than a 16-year-old in South Dakota.
- Adding a teen to your policy will cost you 78% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% 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 9% for this state more on their premiums.
Cheapest companies for different coverage levels in South Dakota
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Farmers Mut Ins Co of NE has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in South Dakota.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in South Dakota
In South Dakota, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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 |
|---|---|
| Geico | $223 |
| Farmers Mut Ins Co of NE | $237 |
| North Star Mutual | $244 |
| Auto-Owners | $257 |
| State Farm | $285 |
| Nationwide | $297 |
| Progressive | $335 |
| Iowa Farm Bureau | $377 |
| Allstate | $453 |
| Farmers | $464 |
| USAA* | $193 |
Note: USAA is only available to military community members and their families.
Cheapest South Dakota insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in South Dakota, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 |
|---|---|
| Farmers Mut Ins Co of NE | $260 |
| Auto-Owners | $260 |
| Geico | $269 |
| North Star Mutual | $285 |
| Nationwide | $305 |
| State Farm | $329 |
| Progressive | $372 |
| Iowa Farm Bureau | $403 |
| Allstate | $484 |
| Farmers | $516 |
| USAA* | $229 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in South Dakota for full coverage
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below shows the average annual rates from major insurance providers in South Dakota, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Nationwide | $1,526 |
| Farmers Mut Ins Co of NE | $1,989 |
| Allstate | $2,070 |
| State Farm | $2,096 |
| Farmers | $2,207 |
| Geico | $2,384 |
| Auto-Owners | $2,566 |
| Iowa Farm Bureau | $2,736 |
| North Star Mutual | $2,744 |
| Progressive | $3,163 |
| USAA* | $1,780 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $709 more annually in South Dakota than an individual with a clean driving record.
Cheap car insurance in South Dakota after a speeding ticket
If you have a speeding ticket on your South Dakota driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,564 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $1,020 | $1,564 | 53% | $544 |
| State Farm | $1,511 | $1,582 | 5% | $72 |
| American Family | $1,260 | $1,587 | 26% | $327 |
| Geico | $1,624 | $1,798 | 11% | $174 |
| Allstate | $1,907 | $2,055 | 8% | $148 |
| Farmers | $1,737 | $2,250 | 30% | $513 |
| Auto-Owners | $1,849 | $2,322 | 26% | $473 |
| Progressive | $2,080 | $2,525 | 21% | $445 |
| Kemper Insurance | $1,167 | $3,721 | 219% | $2,555 |
| USAA* | $1,421 | $1,647 | 16% | $227 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in South Dakota after a DUI conviction
State Farm offers the cheapest car insurance to South Dakota drivers with a DUI conviction at $1,582 per year and American Family has the second-cheapest insurance premiums at $1,587 a year, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 46% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,511 | $1,582 | 5% | $72 |
| American Family | $1,260 | $1,587 | 26% | $327 |
| Nationwide | $1,020 | $2,094 | 105% | $1,074 |
| Progressive | $2,080 | $2,254 | 8% | $174 |
| Farmers | $1,737 | $2,296 | 32% | $559 |
| Allstate | $1,907 | $3,132 | 64% | $1,225 |
| Auto-Owners | $1,849 | $3,190 | 73% | $1,341 |
| Kemper Insurance | $1,167 | $4,773 | 309% | $3,606 |
| Geico | $1,624 | $5,053 | 211% | $3,429 |
| USAA* | $1,421 | $2,865 | 102% | $1,444 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in South Dakota after an at-fault accident
If you’re a driver with an at-fault accident on your record, Nationwide is the cheapest option, offering car insurance at an average cost of $1,617 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,654 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $1,020 | $1,617 | 58% | $597 |
| State Farm | $1,511 | $1,654 | 9% | $143 |
| Farmers | $1,737 | $2,387 | 37% | $650 |
| Allstate | $1,907 | $2,532 | 33% | $625 |
| Auto-Owners | $1,849 | $2,543 | 38% | $694 |
| Geico | $1,624 | $2,686 | 65% | $1,062 |
| Kemper Insurance | $1,167 | $2,757 | 136% | $1,590 |
| Progressive | $2,080 | $2,930 | 41% | $850 |
| USAA* | $1,421 | $1,862 | 31% | $441 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in South Dakota have the lowest auto insurance rates?
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In South Dakota, Brookings stands out as the city with the lowest auto insurance rates, at an average of $1,916 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in South Dakota with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Brookings | $1,916 |
| Tea | $1,920 |
| Watertown | $1,939 |
| Brandon | $1,950 |
| Aurora | $1,951 |
| Valley Springs | $1,958 |
| Volga | $1,965 |
| Flandreau | $1,968 |
| Sinai | $1,974 |
| White | $1,976 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in South Dakota?
By comparing car insurance quotes, you can save an average of 33% per year for a full coverage policy in South Dakota.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good 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 |
|---|---|---|
| Anti-theft device | 4% | $109 |
| Daily commute | 12% | $322 |
| Days advanced purchase | 8% | $155 |
| Days per week driven | 9% | $246 |
| Education | 6% | $171 |
| Electronic funds transfer | 4% | $61 |
| Homeowner | 4% | $100 |
| Lower annual mileage | 5% | $142 |
| Loyalty – years renewal with company | 10% | $191 |
| Marital status | 7% | $174 |
| Multi policy | 9% | $189 |
| Paperless/electornic documents | 5% | $110 |
| Payment type | 8% | $171 |
| Primary use | 12% | $295 |
| Profession | 14% | $489 |
| Safety devices | 3% | $67 |
| Telematics | 13% | $325 |
| Years insured | 20% | $672 |
| Years licensed | 23% | $913 |
The bottom line on cheap car insurance in South Dakota
Based on our findings, Nationwide provides the cheapest rates for a full coverage policy in South Dakota if you have 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 in 2023 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.
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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of South Dakota