Cheap South Dakota Car Insurance

Compare the best rates from 11 car insurance companies in South Dakota.

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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.


 

Cheap Car Insurance

What's the cheapest car insurance in South Dakota?
RankCompany NameAvg. Annual Premium
1USAA$644
2Auto-Owners$906
3State Farm$987
4Farmers Mutual of Nebraska$1,016
5Unitrin$1,054
6Western National$1,057
7Farmers$1,088
8Allied$1,132
9Buckeye$1,167
10Farm Bureau Mutual$1,247
11Progressive$1,255
12American Family$1,451
13Allstate$1,615
14North Star$1,646
15GEICO$1,650
16National Farmers Union$1,881
17Safeco$2,479

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

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%
DUI$1,92833.85%
Speeding Violation$1,50915.46%
Bad Credit$2,37346.25%

What are the 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 insures 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)
Allstate3Superior
American Family4Excellent
Auto-Owners5Superior
BuckeyeNot RatedFair
Farmers3Excellent
Farmers Mutual of NebraskaNot RatedExcellent
GEICO3Superior
National Farmers UnionNot RatedExcellent
North StarNot RatedSuperior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
UnitrinNot RatedExcellent
USAA5Superior
Western NationalNot RatedSuperior

 

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

Car Insurance Laws

State minimum insurance requirements in South Dakota

In South Dakota, the state minimum coverage requirements are as follows:
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

Liability coverage is legally required in South Dakota and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In South Dakota, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in South Dakota and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In South Dakota, the minimum is listed as 25/50 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

These numbers reflect the minimum limits required in South Dakota but higher coverage amounts are available with most companies.

South Dakota Car Insurance FAQs

Are digital insurance cards accepted in South Dakota?

Yes. If you happen to find yourself pulled over by a police officer in South Dakota you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Should I carry uninsured motorist coverage in South Dakota?

8% of drivers are uninsured in South Dakota — less than the national average of 13%. It's still a good idea to carry uninsured motorist coverage in South Dakota to avoid extra costs if you're involved in an accident with an uninsured motorist.

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$1,387
2Lead$1,260
3Hot Springs$1,253
4Spearfish$1,250
5Belle Fourche$1,238
6Sturgis$1,225
7Mobridge$1,203
8Rapid Valley$1,187
9Box Elder$1,181
10Rapid City$1,169
11Pierre$1,134
12Yankton$1,098
13Milbank$1,075
14Huron$1,051
15Mitchell$1,047
16Dell Rapids$1,043
17Aberdeen$1,032
18Vermillion$1,030
19Madison$1,023
20Brandon$1,014
21Harrisburg$1,013
22Brookings$1,011
23Sioux Falls$1,005
24Tea$1,003
25Watertown$995

Recent South Dakota Car Insurance Questions and Answers

Do car insurance companies price match?

I’m with a very well-know insurance company but the price of my policy has steadily raised over the last few ...

MAR 30, 2017
I just bought a used car and it is still insured under the previous owner. Am I covered?

The car is still covered under the guy I bought it from and he said he is paid up on...

APR 07, 2016

Driving Laws

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
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South Dakota Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the South Dakota area, while also getting an insider view of the Mount Rushmore State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Click here to learn more