Cheap South Dakota Car Insurance

Find affordable auto insurance that works for you in South Dakota. Compare quotes from over 100 top companies.

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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.  Below, learn more about which insurance companies offer, on average, the best prices in South Dakota, or enter your ZIP code above to discover quotes customized for your driving profile.


Affordable insurance companies in South Dakota

What's the cheapest car insurance in South Dakota?
Rank Company Name Avg. Annual Premium
1 Auto-Owners $906
2 Allied $1,236
3 Farmers Mutual of Nebraska $1,252
4 State Farm $1,297
5 Farm Bureau Mutual $1,640
6 Progressive $1,790
7 Allstate $1,930
8 Farmers $1,941
9 American Family $2,062
10 Western National $2,063

See quotes from dozens of providers that offer coverage throughout South Dakota. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in South Dakota

Drivers with clean 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%
No Accidents $638 33.33%
Good Credit $1,098 46.25%


Cheap auto 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, teenagers 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
16 $3,842 $5,793
17 $3,661 $5,345
18 $3,801 $4,844
19 $3,173 $2,805


Cheap auto 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 Factor Annual Rate % Increase
At-Fault Accident $1,913 33.33%
DUI $1,928 33.85%
Speeding Violation $1,509 15.46%
Bad Credit $2,373 46.25%

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Top rated 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 covers 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)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allied N/A N/A Average N/A
Allstate Average Average Superior 4.3 / 5
Auto-Owners N/A Above average Superior N/A
Farmers Excellent Below average Excellent 4.3 / 5
Farmers Mutual of Nebraska N/A N/A Excellent N/A
GEICO Average Average Superior 4.4 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5


South Dakota auto insurance laws

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

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.

Find out more about auto insurance regulations in South Dakota

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How tickets change 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.

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
DUI $2,049 53% $708
Racing $1,994 49% $652
Reckless Driving $2,056 53% $714
Driving with a Suspended License $1,994 49% $652
At-Fault Accident $1,857 38% $515
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
Improper Passing $1,658 24% $316
Following Too Closely $1,640 22% $298
Speeding $1,648 23% $306
Failure to Stop at a Red Light $1,605 20% $263
Illegal Turn $1,639 22% $297
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
Distracted Driving $1,670 24% $328
Driving with Expired Registration $1,523 14% $181
Failure to Show Documents $1,523 14% $181
Not-at-Fault Accident $1,419 6% $77
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


South Dakota car insurance FAQs

How much is car insurance in South Dakota?

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).

Do you need car insurance in South Dakota?

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.

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.

Rank City Avg. Annual Premium
1 Pine Ridge $2,179
2 Hot Springs $2,030
3 Lead $2,000
4 Spearfish $1,955
5 Yankton $1,694
6 Huron $1,584
7 Mitchell $1,563
8 Sioux Falls $1,482
9 Brookings $1,463
10 Watertown $1,407



Can my son's name be on my homeowners policy if he's not on the deed of the house?

Your son would not need to be listed in any way on the policy unless he is a part-owner. Any payouts from insurance would go to the lender and homeowner(s), so having him on there would not do anything for him.
Jun 30, 2020 Rapid City, SD

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.
Mar 29, 2017 Rapid City, SD

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

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.
Apr 6, 2016 Sioux Falls, SD

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Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.