Car Insurance in South Dakota
- Farmer's Mutual of Nebraska offers the cheapest liability and full coverage auto insurance in SD
- Compare the cheapest car insurance quotes in SD from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in South Dakota
The average cost of a full coverage car insurance policy in South Dakota is $1,003 for a six-month term, which is 8% cheaper than the national average.[1] For drivers in South Dakota looking to save, Farmer’s Mutual of Nebraska offers some of the most affordable options for both liability and full coverage.
Interestingly, while 29% of South Dakotans feel they’re overpaying for car insurance, many are willing to invest a bit more to enjoy better customer service and a wide range of coverage options. For those who prioritize service and robust protection, we suggest starting with Allstate or, if eligible, USAA.
For a good balance of value, price, and quality service, Auto-Owners and Farmer's Mutual of Nebraska stand out as excellent choices.
- Farmers Mutual of Nebraska offered the cheapest full insurance coverage in South Dakota at $96/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in South Dakota ↓
- Farmers Mutual of Nebraska offered the cheapest liability insurance in South Dakota at $19/mo
- Read about the rest of the top and best companies in South Dakota ↓
- Auto-Owners scored above average on J.D. Power's 2024 auto study as a highly rated regional carrier.[3] J.D. Power also rated USAA and State Farm highly for Customer Service in the central region.
- Read about the rest of the top and best companies in South Dakota ↓
- The Zebra used third-party reviews from J.D. Power and AM Best, as well as thousands of customer ratings in South Dakota, to name Auto-Owners the best overall company for South Dakotan drivers.Â
- If you are eligible for USAA membership, it is also a great option.
- Read more about why we've ranked Auto-Owners as a great fit for many South Dakota ↓
Full coverage car insurance in SD
In 2024, the average cost of a full coverage car insurance policy in South Dakota is $1,003 for a six-month term. This level of coverage is popular among drivers, with 66% of The Zebra's South Dakota customers opting for full coverage car insurance.[2]
Full coverage is a great option because it offers a wider safety net, protecting you not just against liability if you're at fault in an accident, but also covering your own vehicle for damages, theft, and even certain weather-related incidents.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $577 | $96 |
| State Farm | $919 | $153 |
| Allstate | $963 | $161 |
| Auto-Owners | $1,010 | $168 |
| USAA | $1,044 | $174 |
| Nationwide | $1,048 | $175 |
| GEICO | $1,072 | $179 |
| Progressive | $1,186 | $198 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra Tip: Look for these discount options
- Payment methods:Â Advance purchase, electronic bill pay, pay-in-full
- Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
- Vehicle discounts:Â New vehicles, safety devices (consider telematics), anti-theft devices
Find the best coverage and price in South Dakota with The Zebra.
Cheap liability insurance in South Dakota
The average cost for a six-month liability insurance policy in South Dakota is $183.[1] For drivers looking for budget-friendly options, Farmers Mutual of NE, USAA, and Auto-Owners offer some of the most affordable liability policies in the state.
While liability insurance costs significantly less than full coverage, it’s important to remember that it provides a more limited scope of protection — covering only the damages or injuries you might cause to others in an accident. If you’re considering liability insurance, take a look at the table below to compare monthly and six-month quotes from South Dakota’s top insurance providers. This way, you can find the best balance between cost and coverage that suits your needs.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $113 | $19 |
| USAA | $129 | $22 |
| Auto-Owners | $148 | $25 |
| State Farm | $174 | $29 |
| GEICO | $180 | $30 |
| Progressive | $206 | $34 |
| Nationwide | $271 | $45 |
| Allstate | $353 | $59 |
Source: The Zebra
Our data shows that 34% of drivers in South Dakota choose liability-only coverage for their vehicles. The state requires minimum liability limits of 25/50/25, meaning $25,000 per person and $50,000 per accident for bodily injury, as well as $25,000 for property damage per accident. Additionally, South Dakota mandates underinsured/uninsured motorist protection at $25,000 per person and $50,000 per accident.
To help you stay informed, check out the detailed guidelines for a full breakdown of South Dakota’s car insurance requirements and coverage limits. Understanding these details can make a big difference when deciding the level of protection that’s right for you.
South Dakota’s minimum liability limits align well with those in many other states; however, they may not fully cover the expenses of a major accident, especially if multiple vehicles are involved. For drivers with cars valued over $4,000, full coverage is often a wise choice. It offers broader protection, covering your own vehicle’s repairs along with the other party’s vehicle and injuries if you’re responsible for the accident.
One great aspect of South Dakota’s insurance requirements is the inclusion of uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD) coverage. While not all states mandate this, it provides valuable protection if you’re ever in an accident with an uninsured driver. In bustling areas like Sioux Falls, where uninsured drivers can be more common, this added coverage is a fantastic safeguard against unexpected expenses.
Beth Swanson, content specialist at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Farmers Mutual of Nebraska | $113 | $577 |
| USAA | $129 | $1,044 |
| Auto-Owners | $148 | $1,010 |
| State Farm | $174 | $919 |
| GEICO | $180 | $1,072 |
| Progressive | $206 | $1,186 |
| Farmers | $301 | $980 |
| Allstate | $353 | $963 |
Source: The Zebra
Compare car insurance rates from the best companies in South Dakota.
What are the best car insurance companies in South Dakota?
We’ve rated Auto-Owners as the top car insurance provider in South Dakota, drawing on consumer feedback, third-party ratings (including J.D. Power, Trustpilot, and AM Best), as well as details like available discounts and coverage options.[4]
Auto-Owners is known for its quality customer service and affordable policies throughout the Midwest.[3] It may not be the cheapest option and is only available in 26 states. Still, the insurer's strong financial stability confirms it can reliably pay out claims and sustain its operations over the long term. The company offers various products and services, from condo or renters coverage to roadside assistance programs.
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Above-average customer service rating
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Relatively affordable compared to other insurers
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Wide variety of insurance products and services
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Only available in 26 states
Best car insurance in South Dakota — honorable mentions
To determine the best companies, we compared J.D. Power Auto ratings and consumer reviews collected from nearly 3,000 drivers across South Dakota and the US.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $577 | $96 |
| State Farm | $919 | $153 |
| Allstate | $963 | $161 |
| USAA | $1,044 | $174 |
Source: The Zebra
How did we pick what company has the "Best Value" in South Dakota?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in South Dakota
- Available coverage options
- The author's 2+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
How have car insurance costs in South Dakota changed?
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $2,006 | $234 |
| 2023 | $1,772 | $166 |
| 2022 | $1,606 | $28 |
| 2021 | $1,578 | $138 |
| 2020 | $1,440 | -$301 |
| 2019 | $1,741 | $340 |
| 2018 | $1,401 | -$395 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Car insurance in popular South Dakota cities
Where you live in South Dakota can have a big impact on your car insurance rates. Areas with larger populations, like Rapid City or Sioux Falls, tend to have higher premiums due to the increased number of drivers and claims in those areas.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Brookings | $842 | $140 |
| Watertown | $862 | $144 |
| Sioux Falls | $874 | $146 |
| Aberdeen | $878 | $146 |
| Mitchell | $914 | $152 |
Source: The Zebra
Cheap auto insurance for teens and young drivers in South Dakota
Young drivers, especially those aged 16 to 19, face some of the steepest auto insurance rates out there. Teens typically pay over three times the national average, thanks to the added risk associated with less driving experience. This means teens can expect premiums that are more than double those of drivers in their 30s and over 100% higher than drivers in their 20s.[1]
In South Dakota, teen drivers still encounter high insurance costs — averaging $4,165 every six months or $347 per month — but that’s actually around 17% below the national average. For families looking to save, Farmers Mutual of NE, Auto-Owners, and USAA provide some of the best options for affordable teen coverage.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $1,110 | $185 |
| USAA | $2,089 | $348 |
| Auto-Owners | $2,502 | $417 |
| GEICO | $2,664 | $444 |
| State Farm | $2,810 | $468 |
| Nationwide | $3,283 | $547 |
| Progressive | $3,800 | $633 |
| Allstate | $5,152 | $859 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $1,247 | $208 |
| USAA | $2,551 | $425 |
| Auto-Owners | $2,718 | $453 |
| GEICO | $3,424 | $571 |
| State Farm | $3,709 | $618 |
| Progressive | $4,822 | $804 |
| Allstate | $8,443 | $1,407 |
Source: The Zebra
Zebra Tip: 3 Smart Ways for Young Drivers to Save on Car Insurance
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Take a Defensive Driving Course: Earn discounts and reduce accident risk by brushing up on safe driving skills.
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Choose a Safe, Affordable Car: Pick a car with top safety ratings and low repair costs to keep premiums down.
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Stay on a Parent’s Policy: Save big by staying on a family plan and tapping into your parent’s insurance history for better rates.
South Dakota auto insurance quotes after an accident or ticket
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $772 | $129 |
| State Farm | $1,112 | $185 |
| Auto-Owners | $1,267 | $211 |
| USAA | $1,344 | $224 |
| Allstate | $1,438 | $240 |
| Progressive | $1,618 | $270 |
| GEICO | $1,654 | $276 |
| Nationwide | $1,743 | $291 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
Ideally, you’ll never have to use your insurance, but if the time comes, a hassle-free claims experience is essential. In our 2024 Customer Satisfaction Survey, we took a close look at the experiences of those who’ve filed claims. USAA emerged as a top pick, making it a solid choice for military members in South Dakota. For those not eligible for USAA, Allstate and American Family also rank high for claims satisfaction and are well worth considering.[4]
In South Dakota, a bad driving record can really make your insurance rates skyrocket. Even one ticket can cause your premiums to rise, though the increase depends on the type of violation, your insurer’s policies, and local regulations. That’s why a ticket’s impact on your rates can vary across the country — the same infraction here could lead to a steeper rate hike than it might in another state.
Source: The Zebra
The Zebra's guide to South Dakota car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, come with more complex insurance consequences. Below, we’ve outlined key details on the state's car insurance laws and regulations. For a deeper dive into South Dakota’s insurance requirements, check out our comprehensive guide!
South Dakota DUI laws
In South Dakota, a DUI offense can increase your annual car insurance premium to an annual average of $3,753. That’s 12% less 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, Farmer's Mutual of NE, advertises annual rates 41% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in South Dakota is State Farm, while the priciest firm is GEICO, with prices 41% above average.
CAR INSURANCE RATES WITH DUI IN SOUTH DAKOTA — BY INSURER
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $1,102 | $184 |
| State Farm | $1,218 | $203 |
| Progressive | $1,291 | $215 |
| Allstate | $1,604 | $267 |
| Auto-Owners | $1,627 | $271 |
| USAA | $2,058 | $343 |
| Nationwide | $2,258 | $376 |
| GEICO | $2,646 | $441 |
Source: The Zebra
No single car insurer consistently offers the lowest rates for DUI-related insurance, so the best way to save after a DUI citation is to shop around. You can easily compare and purchase car insurance online or consult an insurance agent to explore options that fit your budget.
Check out our guide to learn more about car insurance and how a DUI can impact your rates.
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.
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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.
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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.
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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.
Find an affordable policy in South Dakota in minutes!
South Dakota car insurance FAQs
Below, you'll find answers to some of the most commonly asked questions regarding South Dakota auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 U.S. Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
National Floor Insurance Program. South Dakota DPS
RECENT QUESTIONS ABOUT CAR INSURANCE IN SD
Other people are also asking...
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Learn more about car insurance in South Dakota:
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 editorial 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.