South Dakota Auto Insurance (2024)
South Dakota auto insurance requirements include liability and uninsured motorist insurance, and rates average $18/mo. Meanwhile, full coverage car insurance in South Dakota costs around $115/mo. Below, we'll help you find cheap South Dakota auto insurance coverage from the best companies in your area.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- Cheap Auto Insurance in South Dakota
South Dakota auto insurance costs around $115 monthly for full coverage. However, you’ll get the cheapest car insurance in South Dakota if you only need to meet South Dakota minimum auto insurance requirements. Still, you’ll find cheap auto insurance in South Dakota by comparing rates and coverage options from several companies.
Read on to learn about the cheapest car insurance companies in South Dakota and what types of auto insurance you need to carry. Then, enter your ZIP code into our free quote comparison tool above to compare cheap car insurance quotes in South Dakota.
19,116 reviewsCompany Facts
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19,116 reviews
17,759 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
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2,180 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
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2,180 reviews
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Cheap South Dakota Auto Insurance for Minimum Coverage
If you choose to carry just liability auto insurance, you could save over $1,400 annually on coverage. Still, you won’t have the coverage types that protect you and your vehicle properly if you’re ever in an accident.
- Cheap Auto Insurance in South Dakota
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Progressive offers the cheapest minimum coverage rates at under $20 a month.
Cheap South Dakota Auto Insurance for Full Coverage
Nationwide offers the cheapest full coverage auto insurance in South Dakota at around $114 monthly.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Farmers Insurance offers the next lowest premium at $118 a month.
Cheap Auto Insurance in South Dakota With Bad Credit
Due to their risk profile, most drivers with poor credit pay up to 60% more for car insurance coverage. However, if you have bad credit, you may be able to find competitive coverage rates.
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
Geico offers the cheapest full coverage rates for someone with bad credit at $160 monthly. Read our Geico auto insurance review to compare insurance rates with other national companies.
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Cheap Auto Insurance in South Dakota After an At-Fault Accident
If you’re at fault in an accident, expect it to impact your insurance rates. One at-fault accident could increase your annual car insurance rates by more than $600.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
State Farm offers cheap auto insurance after an accident in South Dakota for drivers with accidents on their records, charging around $140 a month for coverage. Our State Farm auto insurance review compares rates across all demographics.
Cheap Auto Insurance in South Dakota for Young Drivers
Teen drivers present a higher risk for insurance companies as they’re more likely to get into an accident. Consequently, auto insurance for teens comes with higher rates.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Teen drivers pay over $350 on monthly auto insurance coverage. However, Nationwide offers teen drivers rates around $320 monthly. Read our Nationwide auto insurance review.
South Dakota Auto Insurance Rates by City
Car insurance is more expensive in some areas than in others. Rates vary from one city to the next. For example, you’ll pay higher rates for auto insurance in Sioux Falls since it’s a big city. Read more about Sioux Falls, ID auto insurance.
Cheap car insurance in South Dakota should be easy to find if you shop online to compare quotes. Depending on where you live, your ZIP code may help you get lower-than-average rates on car insurance. Use our comparison tool below to compare auto insurance quotes by ZIP code for free.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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South Dakota DUI Auto Insurance
A DUI can cause South Dakota drivers to pay up to $1,200 more for coverage yearly. So if you’re looking for cheap car insurance with a DUI on your record, you may find that rates are much higher than expected.
However, you can compare quotes from multiple companies in your area to see if some providers offer better rates. The best way to find car insurance after a DUI is to get quotes from multiple companies.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
State Farm offers the cheapest rates in South Dakota for people with a DUI, at $1,876. Comparatively, Geico’s rates are nearly $2,000 more annually. Read our review to compare Geico vs. State Farm auto insurance.
Once you find the companies that have the policies you need, shop online to compare quotes.
South Dakota Auto Insurance Requirements
Drivers in South Dakota must carry car insurance by law. Individuals who purchase a liability-only policy pay around $254 annually for coverage.
What would you do if your car 🚘was damaged by a hit and run or uninsured driver? Maybe it's time to consider🤔uninsured motorist property damage coverage. https://t.co/Jw0i5Eacvg has a guide to help you decide💡what's right for you. Check it out here👉: https://t.co/lb0f61gA8i… pic.twitter.com/u4k8B4U2Qz
— AutoInsurance.org (@AutoInsurance) September 17, 2023
Mandatory coverage in South Dakota includes:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability per accident
- $25,000 of uninsured/underinsured coverage per person
- $50,000 of uninsured/underinsured coverage per accident
In addition to the state’s minimum coverage requirements, South Dakota residents can choose between the following additional coverages:
- Comprehensive auto insurance
- Collision auto insurance
- Gap insurance
- Medical payments
- Rental car reimbursement coverage
- Roadside assistance
- Accidental death
- Total disability
The more coverage you purchase, the more your car insurance costs. However, full coverage and add-on protections will ensure you’re better protected on the road.
South Dakota SR-22 Auto Insurance
South Dakota requires SR-22 auto insurance for specific reasons, such as:
- DUI convictions
- Driving without auto insurance
- Multiple at-fault collisions
- Driving with a suspended license
- Accumulating too many points on a license
If you have up-to-date insurance coverage, you can ask your provider to file an SR-22. In many cases, you’ll be able to stick with your provider but pay higher rates.
South Dakota SR-22 Auto Insurance for Uninsured Drivers
It may be challenging to find a policy if you don’t have insurance. Some companies will offer you a policy and file an SR-22, but you’ll likely have to pay a fee.
In addition, some companies will probably deny coverage if you need to file SR-22 with a DUI on your record.
South Dakota SR-22 Auto Insurance for Drivers Without a Vehicle
You may find it challenging to buy SR-22 coverage without a vehicle. However, the easiest thing you can do is buy non-owner auto insurance before filing an SR-22 request. Read more about non-owner SR-22 auto insurance policies.
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Cheap Auto Insurance in South Dakota: The Bottom Line
If you’re looking for cheap South Dakota car insurance, you can find the cheapest car insurance in South Dakota by comparing quotes, asking about auto insurance discounts, or purchasing a liability-only policy.
Use our free quote comparison tool below to get started on finding cheap South Dakota auto insurance — all you need to do is enter your ZIP code. It will help compare coverages and rates based on your personalized driving profile, making it easy to find the best South Dakota auto insurance policy.
Frequently Asked Questions
How much is car insurance in South Dakota?
South Dakota auto insurance costs around $115 monthly for full coverage.
However, it all depends on which South Dakota insurance company you decide to go with, your driving history, credit history, and several other factors
What car insurance is required in South Dakota?
You must meet South Dakota’s minimum coverage requirements, such as:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability per accident
- $25,000 of uninsured/underinsured coverage per person
- $50,000 of uninsured/underinsured coverage per accident
If you lease or finance a vehicle, you’ll probably need a full coverage policy.
Is South Dakota an at-fault state?
Yes, drivers in South Dakota must pay for the injuries they cause in an accident.
What should I do if I have a complaint or issue with my auto insurance company in South Dakota?
Contact the South Dakota Division of Insurance for assistance and guidance in addressing complaints or issues with your South Dakota insurance company.
Can I suspend my auto insurance coverage if I’m not using my vehicle in South Dakota?
Auto insurance coverage suspension is not common in South Dakota, but you can explore options with your provider for cost reduction during periods of non-use.
Are there any specific auto insurance requirements for rideshare drivers in South Dakota?
Rideshare drivers may need additional South Dakota auto insurance coverage and should contact their insurance provider to discuss rideshare insurance options.
What is the minimum auto insurance required in South Dakota?
Drivers must carry liability auto insurance and uninsured/underinsured motorist insurance to meet South Dakota’s auto insurance requirements.
Does South Dakota require proof of insurance to register a car?
Yes, you must have proof of South Dakota auto insurance to register a car.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.