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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. The average car insurance rate in South Dakota is $1,577 per year — 3% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average South Dakota car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in South Dakota based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in South Dakota

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in South Dakota.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the central region.

2nd place medal
Shelter Insurance

As a highly-rated regional carrier, Shelter Insurance scored an 856 on J.D. Power's 2021 auto study.

3rd place medal
Farmers

Farmers Insurance placed third in this region with a score of 848 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.2 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • South Dakota drivers pay about 3% more for car insurance on average.
  • The cheapest major car insurance company is Nationwide.

The cheapest car insurance companies in South Dakota

These companies offer the cheapest rates in the following scenarios.

Nationwide logo
Cheapest full coverage insurance: Nationwide

The cheapest rates are from Nationwide at $1,372 annually, or $114 per month.

auto-owners insurance logo
Cheapest for minimum liability: Auto-Owners

For the minimum required coverage in South Dakota, Auto-Owners is the cheapest on average. 

State Farm logo
Cheapest for DUI: State Farm

If you have a DUI on your record, check out State Farm for the cheapest average rates.

Company Avg. Annual Premium
Nationwide $1,372
Farmers $1,410
State Farm $1,422
GEICO $1,579
USAA $1,610
Allstate $1,847
Progressive $2,386
Updated: 09/22/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


South Dakota auto insurance laws

Car insurance is mandatory in almost every state, including South Dakota. If you choose the legal minimum coverage level in South Dakota, expect to pay an average of $254 annually. This expenditure is less expensive than the nationwide average by 53%. 

For the legal minimum coverage level in South Dakota, expect to pay about $254 per year.

State minimum coverage

In order to drive legally in the state of South Dakota, you must carry at least the minimum liability limits listed below:

Liability

  • 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
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in South Dakota, a comprehensive insurance policy with a $1,000 deductible costs $1,316, 418% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 585% more than you would for basic coverage.

In South Dakota, a comprehensive insurance policy with a $1,000 deductible costs $1,316, 418% more than liability-only car insurance

The Zebra's guide to South Dakota car insurance laws


Learn more about car insurance requirements in the state of South Dakota with our helpful guide.


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

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South Dakota car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in South Dakota.

 

Cheap auto insurance in South Dakota for minimum coverage

Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In South Dakota, the average cost for minimum coverage is $21 per month, or $254 yearly — a savings of $1,485 compared to full coverage.

Company Avg. Annual Premium
Progressive $191
USAA $212
GEICO $269
State Farm $271
Farmers $333
Nationwide $360
Allstate $420
Updated: 09/22/22.

Cheap auto insurance in South Dakota with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, South Dakota drivers with poor credit pay 61% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
State Farm $7,453
Progressive $4,021
USAA $3,171
Allstate $2,743
Farmers $2,022
Nationwide $1,946
GEICO $1,930
Updated: 09/22/22.

Cheap auto insurance in South Dakota with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $649 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
State Farm $1,711
Farmers $1,830
USAA $2,071
Nationwide $2,196
GEICO $2,385
Allstate $2,487
Progressive $3,427
Updated: 09/22/22.

Cheap auto insurance for young drivers in South Dakota

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In South Dakota, teen drivers pay especially high rates: $4,515 per year —  $281 less than the nationwide average and over twice as much as a typical South Dakota driver.

Company Avg. Annual Premium
Nationwide $3,826
USAA $3,996
State Farm $4,321
GEICO $4,329
Farmers $4,869
Progressive $8,095
Allstate $8,596
Updated: 09/22/22.

South Dakota auto insurance rate by violation

In South Dakota, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, 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. Car insurance premiums typically increase by 93% after a DUI and 43% after a speeding ticket.

See below average auto insurance rates in South Dakota after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,607 0% $0
One Med/PIP claim $1,607 0% $0
Not-at-fault accident $1,641 2% $35
Two Med/PIP claims $1,695 6% $88
One comp claim $1,701 6% $94
Two comp claims $1,751 9% $144
Failure to wear a seat belt $1,772 10% $165
Driving without lights $1,787 11% $180
Child safety restraint $1,787 11% $180
Failure to show documents $1,808 13% $201
Driving with expired registration $1,828 14% $221
Driving too slowly $1,840 15% $233
Wrong way/wrong lane $1,850 15% $243
Speeding 6 - 10 MPH over limit $1,855 15% $248
Failure to stop at a red light $1,859 16% $252
Texting while driving $1,864 16% $257
Cell phone violation $1,864 16% $257
Illegal turn $1,865 16% $258
Following too closely $1,865 16% $258
Failure to yield $1,865 16% $258
Improper passing $1,871 16% $264
Speeding 11 - 15 MPH over limit $1,875 17% $268
Speeding 16 - 20 MPH over limit $1,886 17% $279
At-fault accident - less than $1000 $1,924 20% $317
Operating a vehicle without permission $1,934 20% $327
In 65 MPH zone $1,946 21% $339
Speeding in school zone $1,992 24% $385
Speeding 21 - 25 MPH over limit $2,035 27% $428
Passing school bus $2,062 28% $456
Open container $2,082 30% $475
At-fault accident - $1000-$2000 $2,171 35% $564
At-fault accident - greater than $2000 $2,211 38% $604
Reckless driving $2,649 65% $1,042
Driving with a suspended license $2,692 68% $1,085
Refusal to submit to a chemical test $2,832 76% $1,226
Racing $2,879 79% $1,272
DUI $2,948 83% $1,341
Leaving scene of an accident/hit and run $3,022 88% $1,415
Updated: 09/22/22.

South Dakota DUI laws

In South Dakota, a DUI offense can increase your annual car insurance premium by an average of $1,225. That’s 31% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

 
Low-cost car insurance after a DUI in South Dakota

If you're convicted of a DUI or DWI violation in South Dakota, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in South Dakota, State Farm, advertises annual rates 26% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in South Dakota is Farmers, while the priciest firm is GEICO, with prices 50% above average.

CAR INSURANCE RATES WITH DUI IN SOUTH DAKOTA — BY INSURER
Company Avg. Annual Premium
State Farm $1,876
Farmers $2,117
Progressive $2,635
Nationwide $2,832
USAA $3,069
Allstate $3,081
GEICO $3,816
Updated: 09/22/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

South Dakota SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of South Dakota to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in South Dakota might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in South Dakota

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

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Rates by city

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

Have a look at the table below to see average car insurance costs in some of South Dakota's biggest cities.

City Avg. Annual Premium
Brookings $1,356
Sioux Falls $1,377
Watertown $1,378
Aberdeen $1,394
Mitchell $1,464
Updated: 09/22/22.

Car insurance price trends in South Dakota

In South Dakota, average annual auto insurance costs increased by $138 in the past year. A typical South Dakota driver pays an average of $1,578 per year.

The recent pricing trend in South Dakota leans closely to national car insurance costs. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2018 to 2019. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

SOUTH DAKOTA CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — South Dakota Yearly Change — South Dakota Avg. Annual Premium — US Yearly Change — US
2021 $1,578 $138 $1,529 $46
2020 $1,440 -$301 $1,483 -$61
2019 $1,741 $340 $1,544 $23
2018 $1,401 -$395 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


South Dakota car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding South Dakota auto insurance.

How much is car insurance in South Dakota? Chevron down icon

Nationwide and Farmers are the cheapest car insurance options in South Dakota. Nationwide charges $686 for a six-month policy, while Farmers is slightly more expensive ($705).

Do you need car insurance in South Dakota? Chevron down icon

In order to register your vehicle with the state of South Dakota, you need to carry liability insurance, at the least. If you're leasing or financing a vehicle, you are required to carry full coverage.

Is South Dakota a no-fault insurance state? Chevron down icon

No, South Dakota is not a no-fault state. All at-fault drivers must pay for the bodily injury they cause after an accident.

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RECENT QUESTIONS

How do I get my insurance company to stop charging me for a ticket that was expunged from my record?

If you are being charged for a ticket that has already been removed from your record, you may be required to show proof to your insurance company that the ticket has been dropped. If the ticket has been dropped and your insurance company will not lower your rate, you should consider shopping with a new insurance company.
Feb 27, 2017 Kokomo, IN

Should I file a claim or pay out of pocket for damage to my car?

Based on research through our 2016 State of Car Insurance Report, an at fault accident in New Jersey has an average impact of $1,228 additionally per year. Accidents impact rates for 3 years from the date of the incident, so it may make more sense to pay for the damage out of pocket rather than pay higher rates for the next 3 years.
Dec 27, 2016 Bedford, NJ

How do I sell my car to an out-of-state buyer?

You will need to transfer the title of the vehicle to the new buyer. It is important that you fill in all of the appropriate areas required in the title certificate when selling the vehicle to another party.
Jul 29, 2017 New York, NY

Does my personal auto policy cover a company construction vehicle?

Since you were driving your company’s vehicle, your personal auto policy would not apply. A company vehicle like a backhoe or other construction vehicle should be covered under the company’s commercial auto policy.
Nov 9, 2020 Canton, OH

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.