You can find the cheapest full-coverage car insurance in South Dakota for $127 a month from Nationwide. It saves you $63 compared to the state average car insurance cost of $190 monthly.
Shopping for car insurance in South Dakota can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in South Dakota should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Nationwide has the cheapest car insurance rates in South Dakota for full coverage at $127 a month among the companies analyzed by the team of CarInsurance.com.
- In South Dakota, drivers with clean driving records pay 46% less than drivers with a DUI.
- The city of Brookings has the lowest auto insurance rates in South Dakota, with an average premium of $1,916 per year.
- You can save up to 33% per year on your car insurance policy in South Dakota by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in South Dakota?
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for South Dakota drivers at a monthly rate of $127 or $1,526 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in South Dakota.
Cheapest car insurance rates in South Dakota per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $127 |
| Farmers Mut Ins Co of NE | $166 |
| Allstate | $173 |
| State Farm | $175 |
| Farmers | $184 |
| Geico | $199 |
| Auto-Owners | $214 |
| Iowa Farm Bureau | $228 |
| North Star Mutual | $229 |
| Progressive | $264 |
| USAA* | $148 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in South Dakota?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- South Dakota drivers with clean records pay 46% less than drivers who have a DUI on their record.
- South Dakota drivers in their 20s pay 56% lower rates for insurance than a 16-year-old in South Dakota.
- Adding a teen to your policy will cost you 78% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% less on their insurance premiums.
- Drivers insured for three or more years can save up to 21% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 9% for this state more on their premiums.
Cheapest insurers for different coverage levels in South Dakota
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Farmers Mut Ins Co of NE has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in South Dakota.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in South Dakota
In South Dakota, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists South Dakota’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Geico | $223 |
| Farmers Mut Ins Co of NE | $237 |
| North Star Mutual | $244 |
| Auto-Owners | $257 |
| State Farm | $285 |
| Nationwide | $297 |
| Progressive | $335 |
| Iowa Farm Bureau | $377 |
| Allstate | $453 |
| Farmers | $464 |
| USAA* | $193 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in South Dakota
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in South Dakota, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Farmers Mut Ins Co of NE | $260 |
| Auto-Owners | $260 |
| Geico | $269 |
| North Star Mutual | $285 |
| Nationwide | $305 |
| State Farm | $329 |
| Progressive | $372 |
| Iowa Farm Bureau | $403 |
| Allstate | $484 |
| Farmers | $516 |
| USAA* | $229 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in South Dakota
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in South Dakota from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,526 |
| Farmers Mut Ins Co of NE | $1,989 |
| Allstate | $2,070 |
| State Farm | $2,096 |
| Farmers | $2,207 |
| Geico | $2,384 |
| Auto-Owners | $2,566 |
| Iowa Farm Bureau | $2,736 |
| North Star Mutual | $2,744 |
| Progressive | $3,163 |
| USAA* | $1,780 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in South Dakota by driving history
In South Dakota, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In South Dakota, drivers with a history of such violations typically pay $709 more annually than drivers with clean records.
Cheap car insurance in South Dakota after a speeding ticket
If you have a speeding ticket on your South Dakota driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,564 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,020 | $1,564 | 53% | $544 |
| State Farm | $1,511 | $1,582 | 5% | $72 |
| American Family | $1,260 | $1,587 | 26% | $327 |
| Geico | $1,624 | $1,798 | 11% | $174 |
| Allstate | $1,907 | $2,055 | 8% | $148 |
| Farmers | $1,737 | $2,250 | 30% | $513 |
| Auto-Owners | $1,849 | $2,322 | 26% | $473 |
| Progressive | $2,080 | $2,525 | 21% | $445 |
| Kemper Insurance | $1,167 | $3,721 | 219% | $2,555 |
| USAA* | $1,421 | $1,647 | 16% | $227 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in South Dakota after a DUI conviction
South Dakota drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,582 a year, followed by American Family with an annual premium of $1,587 annually, based on recent data.
If you have a clean record, you are likely to pay 46% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,511 | $1,582 | 5% | $72 |
| American Family | $1,260 | $1,587 | 26% | $327 |
| Nationwide | $1,020 | $2,094 | 105% | $1,074 |
| Progressive | $2,080 | $2,254 | 8% | $174 |
| Farmers | $1,737 | $2,296 | 32% | $559 |
| Allstate | $1,907 | $3,132 | 64% | $1,225 |
| Auto-Owners | $1,849 | $3,190 | 73% | $1,341 |
| Kemper Insurance | $1,167 | $4,773 | 309% | $3,606 |
| Geico | $1,624 | $5,053 | 211% | $3,429 |
| USAA* | $1,421 | $2,865 | 102% | $1,444 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in South Dakota
Nationwide is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,617.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,654.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,020 | $1,617 | 58% | $597 |
| State Farm | $1,511 | $1,654 | 9% | $143 |
| Farmers | $1,737 | $2,387 | 37% | $650 |
| Allstate | $1,907 | $2,532 | 33% | $625 |
| Auto-Owners | $1,849 | $2,543 | 38% | $694 |
| Geico | $1,624 | $2,686 | 65% | $1,062 |
| Kemper Insurance | $1,167 | $2,757 | 136% | $1,590 |
| Progressive | $2,080 | $2,930 | 41% | $850 |
| USAA* | $1,421 | $1,862 | 31% | $441 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in South Dakota
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In South Dakota, Brookings stands out as the city with the lowest auto insurance rates, at an average of $1,916 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in South Dakota with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Brookings | $1,916 |
| Tea | $1,920 |
| Watertown | $1,939 |
| Brandon | $1,950 |
| Aurora | $1,951 |
| Valley Springs | $1,958 |
| Volga | $1,965 |
| Flandreau | $1,968 |
| Sinai | $1,974 |
| White | $1,976 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in South Dakota
If you compare car insurance quotes, you could enjoy an annual saving of around 33% on a full coverage policy in South Dakota.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in South Dakota: Save on premiums
In South Dakota, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in South Dakota below.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 4% | $109 |
| Daily commute | 12% | $322 |
| Days advanced purchase | 8% | $155 |
| Days per week driven | 9% | $246 |
| Education | 6% | $171 |
| Electronic funds transfer | 4% | $61 |
| Homeowner | 4% | $100 |
| Lower annual mileage | 5% | $142 |
| Loyalty – years renewal with company | 10% | $191 |
| Marital status | 7% | $174 |
| Multi policy | 9% | $189 |
| Paperless/electornic documents | 5% | $110 |
| Payment type | 8% | $171 |
| Primary use | 12% | $295 |
| Profession | 14% | $489 |
| Safety devices | 3% | $67 |
| Telematics | 13% | $325 |
| Years insured | 20% | $672 |
| Years licensed | 23% | $913 |
Final thoughts on cheap car insurance in South Dakota
Our research shows that Nationwide has the cheapest full coverage car insurance rates in South Dakota for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in South Dakota, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of South Dakota for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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