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South Dakota drivers pay an average of $905.02 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $75.42 per month. South Dakota drivers pay about 24% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

South Dakota car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$905.02

At-fault state

In at-fault states, the driver who caused the accident pays for damages.

South Dakota state minimum car insurance requirements

Drivers in South Dakota are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/25, but we’ll break down what that means.

    Bodily Injury Liability

    South Dakota bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    South Dakota requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident. That’s right in line with what most states require for this type of coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    South Dakota property damage liability

    • $25,000 property damage liability

    South Dakota requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, but it’s common among states.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    South Dakota uninsured motorist

    • $25,000 uninsured motorist bodily injury per person
    • $50,000 uninsured motorist bodily injury per accident
    • $25,000 uninsured motorist property damage

    South Dakota requires all drivers to carry $25,000 of uninsured motorist bodily injury per person, $50,000 uninsured motorist bodily injury per accident and $25,000 in uninsured motorist property damage to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for your car’s damage or medical bills to you and your passengers.

    Finder tip: South Dakota state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in South Dakota, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    In South Dakota, the driver at fault pays for damage

    South Dakota is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.

    However, South Dakota also considers whether both drivers are partially at fault under a pure comparative fault law, according to the legal website Nolo. In this state, drivers who are considered slightly at fault can get reimbursed for their damages from other drivers.

    For example, if you’re 80% at fault for an accident, your insurance pays for the other driver’s damages. However, since you’re mostly at fault, the other driver isn’t required to pay for your damages.

    Cheapest rates by gender in South Dakota

    Car insurance costs can vary widely based on the company you choose. In this sample, Progressive comes in the cheapest for men, while Allstate offers the lowest rates to women.

    CompanyAllstateProgressiveGeico
    Men$164.57$102.70$112.61
    Women$111.12$125.66$114.65

    Sample rates in South Dakota from major car insurance companies

    By far, Geico brings the lowest rate to the table, according to our analysis of sample quotes from Savvy. However, you may want to compare Progressive to see which company offers you the best value.

    CompanyAllstateProgressiveGeico
    Rate$137.85$116.47$113.78

    7 factors that affect car insurance rates in South Dakota

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down South Dakotan’s rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    In South Dakota, age is the biggest factor when determining car insurance rates. A younger age means fewer years on the road and less experience.

    Teens and young adults in their early 20s will pay the highest for insurance vs. those aged 35 to 59, and 60+. Drivers over 60 will pay the lowest rates.

    For example, a 25-year-old male could pay on average $1,550 annually, a 35-year-old male will pay $1,250 annually, and male drivers 60 and over could see annual rates around $1,100.

    Gender

    Gender

    Gender is the second-largest determining factor when calculating rates for drivers in South Dakota. In the Mount Rushmore state, car insurance rates trend the highest for male drivers when compared to female drivers consistently in all age categories.

    For 25-year-old men, average insurance rates clock in at $1,550, whereas women in the same age category will pay $1,432. Male drivers in the 35-year-old category will pay $1,250 vs. $1,220 for women. And men in the 60+ category will pay $1,100 whereas female drivers of the same age will pay $1,060.

    Location

    Location

    Where you do the most driving will affect how much insurance you’ll pay. Typically, rates are higher in large city centers where the population is higher, so there’s more opportunity for accidents and theft. But in South Dakota, this doesn’t seem to be the case, and rates vary considerably from city to city regardless of population.

    Rather than drivers in the capital city of Pierre or the largest city of Sioux Falls paying the most for coverage, drivers in Spearfish with a population of 11,756 have the highest car insurance rates. Here, the average driver pays approximately $1,380 per year, or about 8% more than the statewide average of $1,260 annually.

    Vehicle and mileage

    Vehicle and mileage

    The type of car you drive combined with how much you drive also affect your insurance rates in South Dakota. You’ll see your insurance costs rise with high-powered and high-performance vehicles, and vehicles with aftermarket modifications.

    Other factors like the vehicle’s overall price tag, your model’s safety rating and the likelihood of the car getting stolen also play a part in your insurer’s calculations.

    The distance you travel matters, too. Higher-mileage drivers could pay an average of $1,270 vs. drivers who stick closer to home. Those driving 6,000 miles or less pay rates just shy of the South Dakota state average at $1,240.

    Credit score

    Credit score

    Studies show a connection between drivers with low credit scores and higher insurance claims.

    South Dakota drivers with poor credit scores could see an average cost of $2,030 annually. On the flipside, those with fair credit ratings could see premiums around $1,480, and good credit histories could get the lowest rates at approximately $1,270.

    Coverage

    Coverage

    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
    Driving Record

    Driving Record

    After age and gender, your driving history plays in when calculating insurance rates. Tickets, prior accidents and DUIs all impact your rates — and not for the better.

    Drivers with a clean record can see rates around $1,270 yearly. But one speeding ticket raises you to $1,490, an accident gets you up to $1,720 and a DUI will set your rates soaring at $2,360 annually.

    Do I need SR-22 insurance in South Dakota?

    Serious violations such as reckless driving, a DUI, or driving without insurance, may require you to file an SR-22 in South Dakota. The state will notify you if it’s required to reinstate your license. An SR-22 proves that you have met your state’s minimum insurance requirements to get back on the road, and South Dakota may require you to maintain SR-22 insurance for a minimum of three years.

    Coverage to consider in South Dakota

    South Dakotans drive more on average, get a lot of snow in the winter, and have an above-average vehicle theft rate. To compensate for these risks, there’s some additional coverage worth considering.

    More coverage for more theft in South Dakota

    If your vehicle is stolen, and you never get it back, it’s more than a bummer – it can be a financially devastating event. This is especially true if you don’t have extra cash to replace the vehicle and you rely on it.

    Since South Dakota has a high theft rate of 259.3 thefts per 100,000 residents, as reported by the Bureau of Transportation. This is well above the national average of 246, so comprehensive coverage may be a good idea. This coverage can not only help you replace your vehicle after a carjacking, but also step in after storm damage, animal strikes, fire, falling objects, and more.

    Consider comprehensive coverage if . . .

    • You depend on your vehicle.
    • You live in an area with harsh weather.
    • Your state has a high theft rate.
    • You have a car loan and your lender requires it.

    Roadside assistance for a helping hand

    If you have a brand new vehicle or one that’s less than five years old, you may already have roadside assistance included in your factory warranty. If you don’t, it’s may be worth adding to your policy, especially if you commute year-round in South Dakota. Getting stuck in the cold with a flat tire is more than inconvenient and could even be dangerous.

    Considering that South Dakotans drive an average of 46.5 miles per day, as reported by Statista, roadside assistance for drivers that hit or exceed that mileage should check it out.

    Consider roadside assistance if . . .

    • You commute daily.
    • You live in a state that experiences heavy winters.
    • You rely on your vehicle to get through your day.
    • You live in a rural area.

    Collision coverage for the frequent driver

    On a similar note, drivers that are in the car a lot may want to consider collision coverage. This coverage can help in the event of a vehicle accident by helping you repair or replace your car. The $25,000 property damage liability coverage that’s required in South Dakota is there to pay for damages you caused to someone else’s property, not your own. If you need your vehicle, are in heavy traffic, or don’t have the funds to fix major repairs on your own, keep collision coverage in mind.

    Additionally, if you have a car loan you can bet that’s collision coverage is required by your lender, just like comprehensive.

    Top 10 auto insurance companies in USA that serve South Dakota

    We’ve pulled the top 10 companies by market share that offer coverage in South Dakota according to S&P Global. Compare top companies by three major rating agencies along with our overall score.

    • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
    • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
    • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
    • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
    Provider
    BBB Rating
    JD Power Rating
    NAIC complaint ratio
    National market share %
    Finder score
    Go to site
    State Farm
    A+
    847/1000
    1.93
    16.2

    ★★★★★ 4/5

    Read review

    Geico
    A+
    832/1000
    1.42
    13.6

    ★★★★★ 4/5

    Read review

    Progressive
    A+
    830/1000
    1.05
    13.3

    ★★★★★ 4/5

    Get Quotes
    Allstate
    A+
    827/1000
    2.71
    10.4

    ★★★★★ 4/5

    Read review

    USAA
    A+
    884/1000
    1.9
    6.3

    ★★★★★ 4/5

    Get Quotes
    Farmers
    A-
    820/1000
    1.64
    4.9

    ★★★★★ 4/5

    Read review

    Liberty Mutual
    A+
    827/1000
    2.2
    4.7

    ★★★★★ 4/5

    Get Quotes
    Nationwide
    A+
    814/1000
    2.08
    2.3

    ★★★★★ 4/5

    Read review

    American Family
    A+
    815/1000
    1.35
    2.1

    ★★★★★ 4/5

    Read review

    Auto-Owners
    A+
    847/1000
    0.86
    1.3

    ★★★★★ 4/5

    Read review

    Which city has the cheapest car insurance in South Dakota?

    Of South Dakota’s largest cities, Watertown has the cheapest rates and Rapid City has the most expensive car insurance rates. Rapid City drivers could face rates 2 times more than Watertown drivers.

    Car insurance quotes in Sioux Falls

    CompanyAnnual car insurance rate
    American Family$1404
    21st Century$1253
    Progressive$1325
    Geico$1185
    StateFarm$1027

    Car insurance quotes in Rapid City

    CompanyAnnual car insurance rate
    American Family$1476
    21st Century$1255
    Progressive$1555
    Geico$1286
    StateFarm$910

    Car insurance quotes in Aberdeen

    CompanyAnnual car insurance rate
    American Family$1271
    21st Century$1066
    Progressive$1189
    Geico$1267
    StateFarm$895

    Car insurance quotes in Watertown

    CompanyAnnual car insurance rate
    American Family$1255
    21st Century$1032
    Progressive$1183
    Geico$1267
    StateFarm$856

    Car insurance quotes in Brookings

    CompanyAnnual car insurance rate
    American Family$1325
    21st Century$1090
    Progressive$1144
    Geico$1267
    StateFarm$873

    Compare car insurance providers in South Dakota

    Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
    Progressive
    loan/lease coverage
    Yes
    Snapshot
    Yes
    All 50 states & DC
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    The Zebra
    Yes
    Yes
    Yes
    Yes
    All 50 states
    USAA
    No
    Yes
    SafePilot
    Yes
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Liberty Mutual
    Yes
    Yes
    RightTrack
    Yes
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime.
    Bankrate
    Bankrate
    Yes
    Yes
    Yes
    Yes
    All 50 states
    Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
    Quinstreet - Insure.com
    Quinstreet - Insure.com
    Yes
    Depends on provider
    Depends on provider
    Depends on provider
    All 50 states
    loading

    Compare up to 4 providers

    8 tips for getting cheap car insurance in South Dakota

    • Avoid driving something flashy. A sports car or modified 4×4, might be fun — especially when you can drive off-road or open up the throttle on South Dakota’s many flat, straight highways. But a high-end car won’t do you many favors when it comes to rates: Fast and powerful vehicles tend to be driven aggressively, meaning they’re at a higher risk for accidents, and insurance costs tend to go up as a result.
    • Drop policy extras from low-value vehicles. Your car’s resale value determines your maximum payout after an accident or theft. If the car you drive every day is a 15-year-old pickup, it’s likely you don’t even need collision coverage.
    • Raise your deductible. Your deductible is what you agree to pay after an accident. Raising it increases how much of the financial burden is on you after an accident, and nearly always lowers your monthly premium costs.
    • Take care on the road. Accidents and traffic tickets are known to raise car insurance costs. To keep your costs as low as possible, take extra care not to speed, and pay attention to traffic and objects around you.
    • Use antitheft devices. Many providers offer discounts for car alarms and even passive devices like steering wheel locks. In some instances, you can install antitheft devices after buying the car and still qualify for an antitheft device discount.
    • Look for local insurers. While the biggest players in the insurance industry often claim they’re the cheapest, you might find a solid deal with the small insurer on Main Street. What’s more, a hometown insurance agency might have affiliate deals with other local businesses, allowing you to save even more money within its network.
    • Keep your bills and accounts current. In South Dakota, like in most US states, insurance providers are allowed to view your credit score when deciding on a rate. The higher your credit score, the more likely you are to get decent rates.
    • Bundle your policies. Most providers give discounts for bundling policies, helping you to save 10% to 25%. Consider keeping your home or rental property insured with the same company that provides your auto insurance.

    Bottom line

    A car insurance policy can help to protect you, your vehicle and other drivers on the road. And in South Dakota, you have a lot of options when it comes to finding coverage that suits your needs and budget. Don’t be afraid to shop around for car insurance and compare offerings to find the best rates.

    To learn more about state rules and regulations, discounts and policy terms, read our comprehensive guide to car insurance.

    Frequently asked questions about car insurance in South Dakota

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