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Car insurance in South Dakota

Before getting auto insurance in South Dakota

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How much is car insurance in South Dakota?

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

25/50/25

Minimum liability requirements

$1,050

Average annual car insurance cost

90

Days to update your license

At-fault state

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

Compare South Dakota car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$106,56218.7%
Progressive$84,83014.9%
American Family$54,9259.6%
Farmers Mutual$29,4615.2%
Farmers$26,2864.6%
USAA$25,6004.5%
Nationwide$24,1034.2%
Geico$19,8053.5%
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.

Average car insurance costs in South Dakota

Rates last updated September 1st, 2019
Company Median annual rate Learn more
USAA $326 Read review
Auto-Owners $549 Read review
State Farm $232 Read review
Geico $338 Read review
American Family $492 Read review
21st Century $412 Read review
Progressive $368 Read review
Average $388 Compare more reviews

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

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.

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Frequently asked questions about car insurance in South Dakota

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