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Compare car insurance in South Dakota

Get the cheapest car insurance in South Dakota for 2021

The average annual cost of car insurance in South Dakota is $1,050. Narrow down car insurers offering coverage in South Dakota by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

To hit the road and explore the Badlands of South Dakota, this state requires a minimum level of liability insurance. And though many other states don’t require it, you’ll also need uninsured motorist insurance. This kind of coverage protects you if you’re ever the victim of a hit-and-run accident or in a crash with someone who has no car insurance.

South Dakota

Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

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

Most popular South Dakota auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$106,56218.7%
American Family$54,9259.6%
Farmers Mutual$29,4615.2%
De Smet Farm Mutual$18,8913.3%
Liberty Mutual$18,1353.2%

Average car insurance costs in South Dakota

In 2017, South Dakota drivers paid a statewide average of about $1,050 a year for their car insurance coverage. That’s lower than the national average of about $1,300 a year and about half of what drivers in Michigan can expect to pay — Michigan’s drivers face the highest average costs in the country when it comes to auto coverage.

Even within this state, you’ll see varying insurance costs between rural and urban areas, with suburban drivers landing somewhere in the middle. Drivers living in downtown Sioux Falls, for example, will likely pay more over the course of a year than drivers out in Lake Preston, with its population of around 560.

You might be able to reduce South Dakota’s already low insurance rates by taking care on the road, optimizing your coverage and taking the time to compare rates and offerings.

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

Car insurance quotes in Rapid City

CompanyAnnual car insurance rate
American Family$1476
21st Century$1255

Car insurance quotes in Aberdeen

CompanyAnnual car insurance rate
American Family$1271
21st Century$1066

Car insurance quotes in Watertown

CompanyAnnual car insurance rate
American Family$1255
21st Century$1032

Car insurance quotes in Brookings

CompanyAnnual car insurance rate
American Family$1325
21st Century$1090

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.

State minimum requirements in South Dakota

To legally drive in South Dakota, you’ll need insurance that includes at least:

  • $25,000 for bodily injury or death per person.
  • $50,000 for bodily injury or death to multiple people in an accident.
  • $25,000 for property damage.

When shopping for coverage, you might see these numbers expressed as 25/50/25.

Drivers are also required to get uninsured motorist coverage with the same limits as their liability policy.

Can I get SR-22 insurance in South Dakota?

No, South Dakota is one of a few states that doesn’t require you to file an SR-22 with the state if you’ve recently had a DUI or an illegal or extended lapse in your insurance coverage. If you have an SR-22 from another state and you move to South Dakota, you’ll probably need to maintain your SR-22.

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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