South Dakota Car Insurance

Compare rates from 12 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.

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.

Top South Dakota Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in South Dakota?

Yes

What does this mean for you?

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.

Do I need uninsured motorist coverage in South Dakota?

Uninsured Drivers in South Dakota
South Dakota

8%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in South Dakota cities?

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

More questions?

Check out other FAQs and ask your own South Dakota car insurance questions here.
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
Alcohol Related Fatalities

44

Per Year in South Dakota
Annual DUI Arrests
South Dakota
6,190
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in South Dakota!

Whoa! South Dakota is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since South Dakota might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in South Dakota?
Rank Company Name Avg. Annual Premium
1 USAA $644
2 Auto-Owners $906
3 State Farm $987
4 Farmers Mutual of Nebraska $1,016
5 Unitrin $1,054
6 Western National $1,057
7 Farmers $1,088
8 Allied $1,132
9 Buckeye $1,167
10 Farm Bureau Mutual $1,247
11 Progressive $1,255
12 American Family $1,451
13 Allstate $1,615
14 North Star $1,646
15 GEICO $1,650
16 National Farmers Union $1,881
17 Safeco $2,479

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.

Click here to learn more.

Prompt

So, South Dakota 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.

Please Note:

  • The length of the road trip to your feature destination 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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.