Best car insurance in South Dakota for 2021

In South Dakota, there are currently 638.428 licensed drivers. There are many car accidents every day due to the sheer number of drivers on the roads. According to the South Dakota Department of Public Safety there were 17512 traffic accidents in 2016, causing $103 million worth of property damage. Despite this being a daunting number, it has been decreasing since 2015. A good policy on car insurance will protect you from the cost of millions of property damage.

South Dakota’s best car insurance companies

There are many car insurance companies that offer coverage nationwide. However, each state has its own unique set of companies. Some companies are restricted to certain regions. Although smaller companies may seem less attractive than larger ones, they are specialized to serve the specific needs of these states.

South Dakota customers have the option to choose from many companies that serve the North Central region. We used the 2020 J.D. Power Auto Insurance Study to review providers and pick the best-rated South Dakota companies.

ProviderAverage premium for full coverage annuallyJ.D. J.D.
Allstate$1,785832/1000
Progressive$1,665849/1000
State Farm$1,242849/1000
USAA$1,337905/1000

Allstate

Allstate provides additional coverage options to enhance your auto insurance policy. These include sound system insurance, personal accident protection (PIP), and rental car insurance. Allstate has been awarded a A+ (Superior), rating by AM Best. This means that it is financially strong and can pay its claims. If you have any questions, there are local agents who can help.

Progressive

Progressive offers great savings for high-risk drivers. Reliable claims processing is possible with an A+ (Superior) rating from AM Best. You can also get free coverage for your pets. You can also get rideshare insurance, gap coverage and coverage for custom parts or equipment value.

State Farm

State Farm Progressive in J.D. Power’s customer satisfaction survey makes it an excellent option for the region. State Farm offers a wide range of coverage options, as well as multiple discounts. You can save even more with the Drive Safe, Save and Steer Clear programs.

USAA

USAA consistently earns top scores. It has an A++ score (Superior), which is a score that indicates financial strength. Although Power is not included in the rankings, it offers coverage only to military personnel, veterans, and their families. It provides expanded coverage for active and veteran military drivers and offers add-ons such as roadside assistance, accident forgiveness, and extended benefits. Special discounts are available for military drivers such as vehicle storage and military installations discounts.

Average South Dakota car insurance costs

South Dakota’s minimum coverage: Average annual premiumAverage premium for South Dakota full coverage
$275$1,642

South Dakota’s minimum insurance requirements

The South Dakota Department of Labor and Regulation requires all drivers to have insurance for:

  • $25,000/$50,000 for bodily injury or death
  • $25,000 for property damage
  • $25,000/$50,000 uninsured/underinsured motorists.

Your policy must cover $25,000 per person for injuries or deaths, and $50,000 for everyone involved in an accident. Your policy will cover property damage up to $25,000 (usually repairs to the car of another person). The $25,000/$50,000 for uninsured/underinsured motorist coverage will cover you for any medical costs that incur if you’re hit by an uninsured driver.

How to get the best car coverage

Insurance is very personal and can be tailored to each person. Here are some things to consider when looking for the best or cheapest South Dakota car insurance.

  • Assess your needs. When looking for car insurance, consider customer ratings, deductibles and coverage. Also, take into consideration any discounts that might be available. Consider your driving record, credit score, and vehicle specifications to help you understand the annual premium.
  • Take into account state factors: The South Dakota Department of Labor and Regulation requires all drivers to have $25,000 in bodily injury and $50,000 for property damage. They also require uninsured motorist coverage of $25,000 and $50,000 respectively.

Questions frequently asked

Which is the best South Dakota car insurance?

State Farm’s average car insurance premium is the lowest in South Dakota. Your driving record, credit history, and gender will all impact your premium.

What information are you required to obtain South Dakota car insurance?

You will need some personal documents to get South Dakota car insurance. These documents include your passport, another proof of citizenship, proof of your residence address, and your social security card. You may need different types of documents depending on where you live.