Cheap South Dakota Car Insurance

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

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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 Premiums in South Dakota

What's the cheapest car insurance in South Dakota?
RankCompany NameAvg. Annual Premium
3Farmers Mutual of Nebraska$1,252
4State Farm$1,297
5Farm Bureau Mutual$1,640
9American Family$2,062
10Western National$2,063

Compare quotes from over 20 insurance companies that provide coverage throughout South Dakota. Enter your ZIP code below to get started.

Compare cheap rates from top companies now!

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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%

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


See insurance rates for South Dakota's best companies!

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.


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

South Dakota Auto 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

Driving Laws in South Dakota

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

Ticket Impact on 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

Get South Dakota car insurance now!

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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.

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 Questions:

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.

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?

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.

Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and