Cheapest car insurance in South Dakota

There were 25,890 drivers who were involved in accidents in South Dakota in 2020. 700,000. licensed drivers are found in South Dakota. However, every car owner must have minimum auto insurance. An average South Dakota driver will spend $1,642 annually for a full-coverage insurance policy and $275 for a minimum coverage policy.

South Dakota has the cheapest car insurance

Many insurance companies offer affordable auto insurance in South Dakota. Below is a table that highlights the most affordable car insurance providers in South Dakota, along with their average annual coverage and policy premiums.

Farmers Mutual of Nebraska

Farmers Mutual offers the lowest auto insurance in South Dakota, at $172 per annum for minimum coverage and $1,086 to cover full coverage. Farmers Mutual is the best option for families who need multiple vehicles insured and wish to bundle with renters or home insurance. After passing a driving safety course, teens can get discounts on multi-policies or multiple vehicles.


USAA offers car insurance coverage to South Dakota veterans and active duty military personnel. The average policy for full coverage costs $1,337 annually while the average policy for minimum coverage costs $188 annually.

USAA offers many discounts in addition to providing excellent customer service and coverage. South Dakota drivers may be able to get a lower rate by bundling policies and being a good student. They can also drive less than a certain amount of miles per year, taking a driver training class, and garaging their vehicle at a military base.

State Farm

State Farm is a popular provider of car insurance in the United States. The average State Farm policy in South Dakota is $1,242 per annum. The average State Farm minimum coverage policy costs $226 annually.

State Farm offers safe driver discounts, Steer Clear to new drivers, and Drive Safe & Save to adults. State Farm offers discounts to smart students. These include being safe while away from school, taking a driver training class, and insuring multiple vehicles.


Farmers is a South Dakota insurance company that offers comprehensive coverage at an affordable price. There are many unique options available to the company, including spare parts coverage, OEM coverage, customized equipment coverage, and a glass deductible purchase program.

Farmers’ average full coverage policy costs $1,272 per annum and $251 for the average minimum coverage policy. Drivers who aren’t involved in an accident and bundle multiple policies, or receive state-specific discounts can save even more.


Progressive insures over discounts if you have continuous insurance, are a good student, sign up for autopay, pay in full, and get a quote online. To find policies within a specific price range, drivers can enroll in the Snapshot safe driving discount program.

Minimum coverage for South Dakota drivers

The minimum coverage for cheap auto insurance in South Dakota includes: South Dakota law requires all drivers with a registered vehicle to carry personal liability and uninsured/underinsured motorist coverage. Minimum coverage insurance is 25/50/25. This covers $25,000 per person in bodily injuries, $50,000 per accident bodily injury coverage, and $25,000 per accident property damage coverage. It is optional to have uninsured motorists coverage for property damage. This covers your car in the case that you are struck by an uninsured driver.

If drivers in South Dakota are able to afford it, it is a good idea to purchase additional coverage. If a driver’s financial liability exceeds the policy’s coverage limit in an accident at fault, they will be responsible for any damages that remain. Talk to an agent about the best coverage for you.

How to Get Cheap South Dakota Car Insurance

South Dakota drivers have many options for cheap car insurance. Here are some ideas:

  • Compare: Take the time to research insurance providers. Each insurance company is unique, so it is important to evaluate providers keeping your own criteria in mind.
  • Get multiple quotes: Once you have identified a few potential providers, compare their price quotes and see which one offers the best value for your coverage needs.
  • You can take advantage of discounts. Look for insurance companies offering a variety of discounts. Each of the five companies we reviewed offers a few discounts that are available to many drivers.
  • Improve your credit score. Auto insurance companies consider your credit a sign of how often you might file claims. Higher credit scores often result in lower premiums.
  • You can increase your deductible. Your deductible refers to the amount you agree to pay for a claim in the event that there is an at-fault accident. To get a lower monthly rate, increase your deductible if you have the funds. As deductible increases don’t always translate into significant savings, make sure you have your agent mention this change.

Questions frequently asked

Which insurance policy is best for South Dakota?

Every driver will have a different experience with the best South Dakota car insurance company. Compare providers and shop around to find the best auto insurance company for you.

What is the average cost for car insurance in the United States?

The average full-coverage policy in the United States costs $1,674 annually. A full coverage policy will cost $1,642 annually for an average South Dakota driver.

What is full coverage car insurance?

Standard full coverage car insurance policies typically include liability coverage, uninsured motorists coverage and medical payments. Sometimes, this coverage is referred to as “other than collision” coverage. To supplement their full coverage, drivers have the option of purchasing endorsements like gap or roadside insurance. However, these options can be expensive.