Cheap South Dakota Car Insurance

Compare the best rates from 21 car insurance companies in South Dakota.

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Here's what you need to know when driving in South Dakota

Across the Mount Rushmore State, there are 166,814 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.



Cheap Car Insurance

What's the cheapest car insurance in South Dakota?
RankCompany NameAvg. Annual Premium
3Farmers Mutual of Nebraska$1,252
4State Farm$1,297
6Buckeye Insurance Group$1,483
7Farm Bureau Mutual$1,640
9North Star$1,792
13American Family$2,062
14Western National$2,063

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Cheap Insurance for Good Drivers in South Dakota

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. South Dakota drivers without a recent at-fault accident typically save 33% on their car insurance premiums — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$23315.46%
No Accidents$63833.33%
Good Credit$1,09846.25%

Cheap Insurance for Young Drivers in South Dakota

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In South Dakota, the typical teen driver pays $4,158 annually — approximately $800 less than the national average for teens, but about three times as much as the average driver in South Dakota.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car Insurance for Bad Drivers in South Dakota

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 33% after a DUI, 33% after an at-fault accident, and 15% after a speeding ticket in South Dakota. The post-citation penalties assessed by car insurance companies in South Dakota roughly align to nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,91333.33%
Speeding Violation$1,50915.46%
Bad Credit$2,37346.25%

What are the Best Car Insurance Companies in South Dakota?

Each car insurance company brags about its low costs. But just like with any product, the most affordable auto insurance isn't always the best idea. Considering the financial stakes, it's worthwhile to do your due diligence to obtain an insurance policy that cover your vehicle completely after an accident. Be on the lookout for the best value, rather than settling for the cheapest auto insurance you can find.

Compare top insurers' financial strength and claims satisfaction ratings to better understand the level of service you can expect. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — assesses an insurer's financial strength and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
American Family4Excellent
BuckeyeNot RatedFair
Farmers Mutual of NebraskaNot RatedExcellent
National Farmers UnionNot RatedExcellent
North StarNot RatedSuperior
State Farm3Superior
UnitrinNot RatedExcellent
Western NationalNot RatedSuperior


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What is the Best Auto Insurance Coverage in South Dakota?

The minimum required insurance level in South Dakota is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

For the legal minimum coverage in South Dakota, be prepared to pay a mean of $307 each year. This is more affordable than the national average by 53%. If you opt for better car insurance coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by car collisions, theft, or weather conditions. However, better car insurance has a price: in South Dakota, a comprehensive policy with a $1,000 deductible costs $1,027, 234% more than liability-only coverage. For comprehensive coverage with a $500 deductible, expect to pay 312% more than you would for a basic liability-only policy.

Compare average prices for basic and comprehensive insurance levels in the below table.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
South Dakota$307.14$1,026.96$1,266.30
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in South Dakota

In South Dakota, the state minimum coverage requirements are as follows:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Uninsured/Underinsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
Optional coverage in South Dakota (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Accidental Death
  • Total Disability

Find out more about auto insurance regulations in South Dakota

South Dakota Car Insurance FAQs

Are digital insurance cards accepted in South Dakota?

Yes. If you happen to find yourself pulled over by a police officer in South Dakota you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Should I carry uninsured motorist coverage in South Dakota?

8% of drivers are uninsured in South Dakota — less than the national average of 13%. It's still a good idea to carry uninsured motorist coverage in South Dakota to avoid extra costs if you're involved in an accident with an uninsured motorist.

How much does car insurance cost in South Dakota cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Watertown, South Dakota, and the most expensive in Pine Ridge, South Dakota.

RankCityAvg. Annual Premium
1Pine Ridge$2,179
2Hot Springs$2,030
6Belle Fourche$1,952
7Box Elder$1,826
15Sioux Falls$1,482
16Dell Rapids$1,481

Recent South Dakota Car Insurance Questions and Answers

If I buy a car right before I move states, do I have to get an insurance policy in the state I bought it?

If you will be registering and living in South Dakota, then you will want to get an insurance policy for the address where you'll be living in that state. Insurance needs to be in the state that the vehicle is registered in.

Do car insurance companies price match?

Insurance companies use a complicated math equation, called an algorithm, to determine how they price their coverage. This means that each company prices their coverage differently since they don't share this information so rates will differ depending on your personal information.

I just bought a used car and it is still insured under the previous owner. Am I covered?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;When the ownership of a vehicle transfers from one person to another then the insurance coverage is no longer valid for the new owner. Even though the policy may still be active from the previous owner, you now own the vehicle and are not listed as a driver on the insurance coverage.

Driving Laws

South Dakota Texting and Driving Laws

  1. Ban on all cell phones for drivers with Learner or Intermediate Licenses
  2. Ban on text messaging for all drivers

South Dakota DUI Laws

The DUI lookback period in South Dakota is 10 years. Multiple DUI offenses within this timeframe can lead to enhanced penalties.

In all cases, DUI offenders may be required to participate in a 24/7 sobriety program or install and use an ignition interlock device for a time period determined by the court. There may also be a requirement to undergo mandatory testing with law enforcement.

DUI offenders with a BAC of 0.17% or higher must also undergo an evaluation by a state-approved chemical dependency counselor at their own expense.

First-time DUI offenses in South Dakota lead to:

  • Up to one year in jail
  • Up to $2,000 in fines
  • License revocation for 30 days to one year
  • Restricted license for up to one year

How Do Citations Impact Auto Insurance Rates in South Dakota?

If you receive a ticket or citation, your auto insurance costs will probably rise. How much your rates rise depends on the severity of the violation, your insurance company's pricing strategy, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of typical auto insurance rates in South Dakota after some common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,13459%$792
Refused Breathalyzer/Chemical Test$2,04953%$708
Reckless Driving$2,05653%$714
Driving with a Suspended License$1,99449%$652
At-Fault Accident$1,85738%$515
Driving with an Open Container$1,76431%$422
Operating a Vehicle Without Permission$1,63522%$293
Passing a School Bus$1,65824%$316
Improper Passing$1,65824%$316
Following Too Closely$1,64022%$298
Failure to Stop at a Red Light$1,60520%$263
Illegal Turn$1,63922%$297
Driving Wrong Way/Wrong Lane$1,62321%$281
Failure to Yield$1,64022%$298
Speeding in a School Zone$1,62621%$284
Driving Too Slowly$1,57417%$233
Distracted Driving$1,67024%$328
Driving with Expired Registration$1,52314%$181
Failure to Show Documents$1,52314%$181
Not-at-Fault Accident$1,4196%$77
Failure to Use Child Safety Restraint$1,3501%$8
Failure to Wear a Seat Belt$1,4075%$65
Driving Without Lights$1,3420%$0

South Dakota Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the South Dakota area, while also getting an insider view of the Mount Rushmore State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.