Car Insurance in South Dakota

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For every driver in sparsely-populated South Dakota, there are about 1.4 vehicles on the road. In 2018, South Dakota had a population of 882,240 according to the U.S. Census, but has 1.2 million vehicles officially registered according to the DMV – and every vehicle registered is also required to be insured. 

South Dakota law requires vehicle owners to maintain one of four forms of financial responsibility, with liability insurance being the most widely used. Drivers can opt instead to use a $50,000 certificate of deposit or securities deposited with the State Treasurer, a surety bond, or self insurance (for owners of large fleets of vehicles). 

A wide range of factors go into setting insurance rates in South Dakota, including everything from the driver's age and gender to annual mileage and driving record. A driver's credit history and address can impact car insurance premiums, too. Our study found an average representative rate of about $1,225 in South Dakota. Average study rates from the largest insurers that operate in the state ranged from $820 to nearly twice that, at $1,615.

Cheapest Car Insurance Companies in South Dakota

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from the nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in South Dakota

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in South Dakota?

See the Cheapest Car Insurance Companies

On average, our representative driver profiles paid a yearly study rate of $1,225 in South Dakota – about $100 less than the national average of $1,325, our study found. 

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In South Dakota, average representative rates from the top national insurers ranged from around $820 (from Geico) at the low end to $1,620 (from American Family) at the high end.

The rates in this article are representative averages, not the exact amount an individual driver should expect to pay. A wide range of factors contribute to the premiums charged by car insurance companies such as age, credit score, and driving history.

South Dakota Car Insurance Rates by Age

To find out how much car insurance costs in South Dakota are affected by age, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included drivers who identify as men or women driving the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The profiles of the representative 25-year-old male drivers paid the most of any demographic by age in South Dakota, at an average study rate of about $1,510 annually. The 25-year-old women driver profiles paid an average of $1,350. The cheapest national insurance provider for this age group is Geico, costing about $1,010 for the male profiles and $900 for the female profiles, according to the representative rates in our study. State Farm is close behind, costing study profiles an average of $1,225 for men and $1,090 for women annually. 

Average driver profiles who are age 35 pay less. In this age group, the average male profile paid a study rate of $1,210, and the average female profile paid $1,190 for car insurance each year. The cheapest two providers are still Geico and State Farm, in the $800 and $1,000 ranges respectively. 

For driver profiles who are 60 years old, the average male profile paid a representative rate of $1,070 and the female profile paid $1,030 in South Dakota. Geico, Nationwide, and State Farm were all found to have reasonable average rates of less than $1,000, according to our study. 

Some of the most expensive provider rates in our study in South Dakota include Allstate and American Family, which can cost 25-year-old representative driver profiles between $1,600-$1,995 and 60-year-old driver profiles between $1,300-$1,425, according to our analysis.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,809.17

$1,663.01

$1,509.98

$1,474.90

$1,394.80

$1,308.59

American Family

$1,994.74

$1,614.86

$1,614.86

$1,614.86

$1,425.39

$1,425.39

Farmers

$1,485.78

$1,375.09

$1,213.85

$1,209.58

$1,073.31

$1,022.10

Geico

$1,009.99

$899.86

$821.47

$764.54

$714.08

$714.08

Nationwide

$1,380.23

$1,224.80

$1,082.66

$1,039.56

$974.45

$869.69

Progressive

$1,677.20

$1,591.19

$1,215.00

$1,235.34

$1,017.41

$985.29

State Farm

$1,223.42

$1,092.62

$1,004.38

$1,004.38

$873.80

$873.80

South Dakota Car Insurance Rates by Credit Score

We also wanted to determine how much a poor credit score can raise rates over a good credit score, so we used driver profile categories with good credit, fair credit, and poor credit. The profiles were male and female drivers with the ages of 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage on the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

South Dakota driver profiles with good credit paid an average study rate of $1,225 for car insurance, according to our study’s profiles, but representative rates ranged up to $2,125 for average driver profiles with poor credit. 

Geico is the most affordable national car insurance provider for average driver profiles with good and fair credit in South Dakota with representative rates of $820 and $940, respectively. State Farm and Nationwide are also affordable, with average study rates around $1,100 for the good credit profile and around $1,300 for the profile with fair credit.

As for driver profiles with poor credit, our study found Nationwide and Geico to be the cheapest, offering average representative rates of $1,565 and $1,820. These were the only two providers offering average study rates less than $2,000 to our representative driver profiles.

Company

Good

Fair

Poor

Allstate

$1,526.74

$1,738.30

$2,204.00

American Family

$1,615.02

$1,912.12

$2,664.35

Farmers

$1,229.95

$1,377.58

$2,047.04

Geico

$820.67

$936.66

$1,819.70

Nationwide

$1,095.23

$1,236.89

$1,565.93

Progressive

$1,286.91

$1,603.72

$2,387.94

State Farm

$1,012.07

$1,305.25

$2,180.50

South Dakota Car Insurance Rates by Driving Record

We analysed the effect a driving record can have on car insurance rates in South Dakota using male and female driver profiles who were ages 25, 35, and 60, and assigned them good credit, medium insurance coverage, and 12,000 miles of annual mileage driving the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. We tracked drivers who have a clean record, one speeding violation, one accident, and one DUI across the seven insurance providers. 

In South Dakota, representative driver profiles with clean records paid an average study rate of $1,225 annually. With one speeding violation, the average representative cost rose to $1,445; with one accident, $1,780; and with one DUI, $2,100, according to our study. 

For representative driver profiles with clean records in South Dakota, our study found Geico is the most affordable, with an average study rate of $820. Allstate and American Family are the most expensive, with representative rates above $1,500. 

In South Dakota, Geico also offers an average representative rate of $820 on average to our driver profiles with a speeding ticket, but American Family’s average study rate rockets up to $1,930 for this profile.

With one accident in South Dakota, State Farm has the lowest representative rate of $1,130, and American Family is the most expensive with average study rates of around $2,560.

State Farm cost our average driver profile with a DUI conviction $1,070 annually (the lowest we found), but prices in our analysis range up to American Family’s average study rate of $2,975.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,526.74

$1,667.76

$1,961.76

$2,605.65

American Family

$1,615.02

$1,934.66

$2,560.53

$2,973.90

Farmers

$1,229.95

$1,559.86

$1,680.96

$1,626.42

Geico

$820.67

$820.67

$1,268.39

$2,159.23

Nationwide

$1,095.23

$1,347.89

$1,779.61

$2,765.96

Progressive

$1,286.91

$1,703.21

$2,095.50

$1,500.74

State Farm

$1,012.07

$1,071.44

$1,130.89

$1,071.44

South Dakota Car Insurance Rates by Coverage Type

Our study analysed the effect different levels of car insurance coverage can have on rates in South Dakota using male and female driver profiles who were ages 25, 35, and 60, and assigned them good credit, a clean driving record, and 12,000 miles of annual mileage driving the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

South Dakota driver profiles with low car insurance coverage paid an average of $1,190 annually in our study, ranging up to a yearly price averaging $1,250 for representative driver profiles with high coverage.

Our study found Geico to be the most affordable national car insurance provider in South Dakota across the coverage types categories, with representative rates ranging from about $800 for low coverage up to $850 for high coverage. Allstate and American Family are in the high-cost category, with average driver profiles in our study paying upwards of $1,500, even with low coverage.

Average driver study rates only go up by about $50 a year from low to high, so investing in high coverage is probably worth it for most drivers in South Dakota considering how much more you could end up paying if you cause an accident and have the bare minimum level of coverage.

Company

Low

Medium

High

Allstate

$1,493.87

$1,526.74

$1,568.14

American Family

$1,578.34

$1,615.02

$1,509.22

Farmers

$1,199.31

$1,229.95

$1,272.16

Geico

$795.84

$820.67

$848.09

Nationwide

$1,035.59

$1,095.23

$1,169.38

Progressive

$1,271.94

$1,286.91

$1,326.11

State Farm

$979.88

$1,012.07

$1,046.86

South Dakota Car Insurance Rates by Annual Mileage

We also determined how much annual mileage can raise rates, so we used driver profile categories with 6,000 annual commuter miles and 12,000 annual commuter miles. The profiles were male and female drivers with the ages of 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and good credit. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Average driver profiles in South Dakota who commute 6,000 miles annually paid $1,185 for car insurance on average, our study found. When representative drivers commute 12,000 miles annually, study rates in South Dakota jump to an average of $1,225. 

Geico offers the most affordable average study rates ranging from $770 for low mileage to $820 for high mileage in South Dakota. As for the most pricey, our study showed American Family at the top of the charts, costing representative driver profiles almost twice as much as Geico on average, at $1,540 for low mileage and $1,615 for high mileage.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,461.24

$1,526.74

American Family

$1,541.50

$1,615.02

Farmers

$1,229.95

$1,229.95

Geico

$770.47

$820.67

Nationwide

$1,095.23

$1,095.23

Progressive

$1,286.90

$1,286.91

State Farm

$921.57

$1,012.07

South Dakota Car Insurance Rates by City

We also determined how much city of residence can raise rates. We used driver profile categories with good credit who were men and women drivers aged 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage on the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In South Dakota, Spearfish is the most expensive city to insure a car, with an average driver profile paying an annual rate of $1,250, according to our study. Pierre also has a high average representative rate of $1,220, but most other top cities including Sioux Falls, Aberdeen, Mitchell, and Yankton had study premiums that were less than $1,200. Two of the cities with the most affordable car insurance representative rates are Watertown and Vermillion, with averages of $1,065 and $1,080, respectively. 

Cities with a higher likelihood of crime, traffic, or accidents are more likely to have high car insurance rates.

City

Average Rate

Sioux Falls

$1,105.70

Aberdeen

$1,120.81

Brookings

$1,098.72

Watertown

$1,065.71

Mitchell

$1,133.37

Yankton

$1,169.29

Pierre

$1,220.94

Huron

$1,139.10

Spearfish

$1,248.90

Vermillion

$1,080.58

South Dakota Auto Insurance Minimum Coverage Requirements

Many states require a certain minimum for car insurance, and South Dakota is no exception. South Dakota requires bodily injury and property damage liability, along with uninsured motorist coverage. The minimum requirements are as follows: 

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist: $25,000 per person, $50,000 per accident

Bodily injury liability insurance pays for the medical costs of people hurt in an accident you caused, but it does not cover your own medical costs. Property damage liability insurance pays to repair someone else’s vehicle or other property damaged in an accident you caused. 

Uninsured motorist coverage pays for your medical costs when a driver who doesn't have car insurance causes an accident that injures you. However, it does not cover costs for damage done to your vehicle.

Cheapest Car Insurance in South Dakota

Category

Cheapest Company

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Nationwide

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in South Dakota, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles were men and women ages 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Although the average driver profile paid $1,225 a year for car insurance in South Dakota, the top seven national insurance providers offered average study rates ranging between $820 from Geico to $1,615 from American Family, our study showed. 

Allstate, Progressive, and Farmers are also on the pricey end, costing our driver profiles average study rates of about $1,530, $1,290, and $1,230, respectively. Nationwide and State Farm offer reasonable representative rates in South Dakota in the $1,000 range to our average driver profiles.

Why Car Insurance Rates Vary in South Dakota

Drivers who are considered high-risk pay high rates for car insurance, correspondingly. Our study shows representative driver profiles who are inexperienced, live or drive in high-risk areas, have a poor driving record, or who have poor credit scores pay higher representative rates for car insurance. The study found older driver profiles who have good driving records along with a good credit history pay the lowest study rates in general, because they are considered to be less likely to be at risk of an accident.

How to Get the Cheapest Car Insurance in South Dakota

Most major insurance companies offer car insurance discounts when policyholders bundle, or add to their policy (such as other household cars, or renters or homeowners insurance). There are also discounts for good student drivers, which can help lower the generally pricey rates of young drivers.

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Shopping around to compare quotes among different insurers is always a good strategy when you’re looking for a new car insurance policy. Sometimes, companies offer discounts for teachers, veterans or drivers who are affiliated with the military. You can also find deals if you do not put many miles on your car, or if you install safety equipment.

The most common way to find low rates is to simply be a good driver with a clean record. Some insurance companies offer discounts if your driving record remains spotless for six months or more. Once you have an accident or a citation, rates generally tend to increase.

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Important Laws Around Auto Insurance in South Dakota

Liability and uninsured motorist coverage are both required in South Dakota. Minimum liability coverage breaks down to $25,000 per person and $50,000 per accident for bodily injury liability along with $25,000 per accident in property damage liability. Uninsured motorist coverage pays your medical costs – but not vehicle damage – in case you are involved in a hit-and-run or hit by a driver without insurance.

As for accidents, South Dakota follows third-party liability laws, meaning the insurance carriers have to prove who is most at fault, and can award a percentage paid on damages based on percentage of fault.

Failure to maintain insurance in South Dakota can result in a Class 2 misdemeanor with penalties that include 30 days in jail, a $100 fine, suspension of your driver’s license for 30 days to one year, and even requiring SR-22 insurance for the next three years.

You can use a digital insurance card as proof of financial responsibility in South Dakota.

South Dakota Driving Laws and Punishments

In South Dakota, punishments for driving under the influence include a Class 1 misdemeanor for the first offense, with the offending driver losing their license for at least 30 days or up to one year. On the first offense, drivers could also be fined up to $2,000 or sent to jail for up to one year. By the fifth offense, a DUI is a Class 4 felony with the driver’s license being suspended for at least three years. At this level, drivers can spend up to 10 years in jail or be fined as much as $20,000.

Drivers can be charged with impaired driving for a blood alcohol content (BAC) of 0.08% in South Dakota. You could be charged just for sitting in the car with the keys in the ignition at this BAC level. 

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In South Dakota, it is illegal to text while driving. Adult drivers may talk on their phones, but young drivers with a learner's permit may not.

South Dakota Car Insurance FAQs

Is car insurance required in South Dakota?

Yes, South Dakota law states every driver or vehicle owner needs to maintain financial responsibility. Liability insurance for bodily injury and property destruction are required, along with uninsured motorist coverage.

Which cars are required to be insured in South Dakota?

Any motor vehicle required to be registered in South Dakota is also required to be insured at all times. 

When should I get car insurance in South Dakota?

In South Dakota, drivers are required to prove financial responsibility before registering a car. Drivers new to the state have 90 days to title and register the vehicle. If you buy a new vehicle, you have to register it within 30 days with the DMV.

What happens if my car is not properly insured in South Dakota?

In South Dakota, failure to maintain proper insurance is a Class 2 misdemeanor, which can result in penalties including 30 days in jail, a $100 fine, driver’s license suspension of 30 day to one year, and requiring SR-22 insurance for three years.

Is South Dakota a no-fault state?

No, South Dakota is an at-fault state. Whenever there is an accident, insurers must determine which driver was at fault for (or caused) the accident. That driver's insurance then covers damages or injuries of the other party. Insurers are permitted to reduce or deny payments depending on the degree of fault.

Do I need uninsured motorist coverage in South Dakota.

Yes, uninsured motorist coverage is required for all policies in South Dakota. It pays for personal injuries caused by an uninsured or hit-and-run driver.

Is liability insurance required in South Dakota?

Yes, liability insurance is required in South Dakota. The shorthand for minimum liability insurance coverage in South Dakota is 25/50/25: $25,000 for bodily injury or death to one person in any one accident, $50,000 for bodily injury or death to two or more people in any one accident, and $25,000 for destruction of others' property. 

Does South Dakota accept digital insurance cards?

Yes, South Dakota accepts digital insurance cards as proof of financial responsibility.