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.
- Among the companies analyzed by CarInsurance.com, Nationwide stands out as the cheapest option for full coverage car insurance in South Dakota, with an insurance premium of $127 per month.
- Drivers in South Dakota with a clean record pay 46% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in South Dakota is Brookings, with an annual premium of $1,916 .
- South Dakota drivers can save up to 33% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in South Dakota?
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for South Dakota drivers at a monthly rate of $127 or $1,526 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 |
|---|---|
| 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
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- 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 records.
- 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
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.
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
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 liability-only coverage in South Dakota
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
In the table below, see the average annual rates from South Dakota’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 full coverage car insurance in South Dakota
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
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 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
South Dakota drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,582 a year, followed by American Family with an annual premium of $1,587 annually, based on recent data.
Drivers with clean driving records can expect to pay an average of 46% less than those with a history of DUI.
| 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 Cities with the lowest auto insurance rates in South Dakota
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.
Brookings is the city with the lowest premiums in South Dakota at an annual auto insurance rate of $1,916 .
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.
Find below a list of South Dakota cities with the lowest 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 |
Explore the top 10 factors that influence 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 research, if you are a good driver, Nationwide is the cheapest in South Dakota for a full coverage policy.
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:
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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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
Managing 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