- According to recent data, Nationwide offers the cheapest full coverage car insurance in South Dakota at $127 per month.
- South Dakota drivers with a clean driving record pay 46% less for car insurance than drivers with a DUI.
- In South Dakota, the city of Brookings has the most affordable car insurance rates at $1,916 annually.
- Comparing price quotes from multiple insurers can help you save up to 33% per year on your car insurance policy in South Dakota.
The cheapest full coverage car insurance in South Dakota is $127, saving you $63 compared to the average cost of insurance in the state, which is around $190 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in South Dakota, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Car insurance companies with cheap car insurance 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.
South Dakota drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 South Dakota companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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
The following table lists South Dakota’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 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 |
|---|---|
| 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 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 |
|---|---|
| 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
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Cheapest car insurance in South Dakota, by driving history
Your driving history affects how much you pay for insurance in South Dakota because insurance companies use it to assess the risk associated with insuring 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 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, Nationwide might be the answer. With an average annual rate of $1,564, Nationwide 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 |
|---|---|---|---|---|
| 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.
Cheap car insurance rates after a DUI conviction in South Dakota
CarInsurance.com analyzed insurance rates for South Dakota drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,582. American Family is the second-cheapest insurer at an average of $1,587 per year.
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 after an at-fault accident in South Dakota
Nationwide is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,617.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,654.
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 |
|---|---|---|---|---|
| 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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in South Dakota
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.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in South Dakota with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in South Dakota
If you compare car insurance quotes, you could enjoy an annual saving of around 33% on a full coverage policy in South Dakota.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in South Dakota: Save on premiums
South Dakota drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in South Dakota.
| 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 auto 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.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in South Dakota, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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