Compare the best rates from 21 car insurance companies 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.
Compare quotes from over 20 insurance companies that provide coverage throughout South Dakota. Enter your ZIP code below to get started.
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||$233||15.46%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 Factor||Annual Rate||% Increase|
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 Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Farmers Mutual of Nebraska||Not Rated||Excellent|
|National Farmers Union||Not Rated||Excellent|
|North Star||Not Rated||Superior|
|Western National||Not Rated||Superior|
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.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In South Dakota, the state minimum coverage requirements are as follows:
The DUI lookback period in South Dakota is 10 years. Multiple DUI offenses within this timeframe can lead to enhanced penalties.
In all cases, DUI offenders may be required to participate in a 24/7 sobriety program or install and use an ignition interlock device for a time period determined by the court. There may also be a requirement to undergo mandatory testing with law enforcement.
DUI offenders with a BAC of 0.17% or higher must also undergo an evaluation by a state-approved chemical dependency counselor at their own expense.
First-time DUI offenses in South Dakota lead to:
If you receive a ticket or citation, your auto insurance costs will probably rise. How much your rates rise depends on the severity of the violation, your insurance company's pricing strategy, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of typical auto insurance rates in South Dakota after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,134||59%||$792|
|Refused Breathalyzer/Chemical Test||$2,049||53%||$708|
|Driving with a Suspended License||$1,994||49%||$652|
|Driving with an Open Container||$1,764||31%||$422|
|Operating a Vehicle Without Permission||$1,635||22%||$293|
|Passing a School Bus||$1,658||24%||$316|
|Following Too Closely||$1,640||22%||$298|
|Failure to Stop at a Red Light||$1,605||20%||$263|
|Driving Wrong Way/Wrong Lane||$1,623||21%||$281|
|Failure to Yield||$1,640||22%||$298|
|Speeding in a School Zone||$1,626||21%||$284|
|Driving Too Slowly||$1,574||17%||$233|
|Driving with Expired Registration||$1,523||14%||$181|
|Failure to Show Documents||$1,523||14%||$181|
|Failure to Use Child Safety Restraint||$1,350||1%||$8|
|Failure to Wear a Seat Belt||$1,407||5%||$65|
|Driving Without Lights||$1,342||0%||$0|
Auto-Owners and Allied are the cheapest car insurance options in South Dakota. Auto-Owners charges $453 for a six-month policy, while Allied is slightly more expensive ($618).
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?
No, South Dakota is not a no-fault state. All at-fault drivers must pay for the bodily injury they cause after an accident.
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.
|Rank||City||Avg. Annual Premium|