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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 $1,277 in South Dakota. Average study rates from the largest insurers that operate in the state ranged from $1,067 to $1,581.

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 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

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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 nine 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. 

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To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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 $1,277 in South Dakota – about $135 less than the national average of $1,415, our study found. 

In South Dakota, average representative rates from the top national insurers ranged from around $1,067 (from State Farm) at the low end to $1,581 (from Allstate) 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

Company

25-year-old female

25-year-old male

35-year-old female

35-year-old male

60-year-old female

60-year-old male

Allstate

$1,724

$1,876

$1,527

$1,564

$1,354

$1,444

American Family

$1,321

$1,398

$1,130

$1,185

$1,023

$1,046

Farmers

$1,500

$1,621

$1,320

$1,326

$1,116

$1,172

Geico

$1,302

$1,460

$1,107

$1,189

$1,033

$1,033

Nationwide

$1,295

$1,442

$1,031

$1,088

$929

$1,077

Progressive

$1,774

$1,861

$1,379

$1,358

$1,097

$1,135

State Farm

$1,152

$1,289

$1,059

$1,059

$920

$920

The profiles of the representative 25-year-old male drivers paid the most of any of these demographics in South Dakota, at an average study rate of about $1,564 annually. The 25-year-old women driver profiles paid an average of $1,438. The cheapest national insurance provider in our study for this age group is State Farm, costing about 18% lower than the state average for both men and women. Allstate, Farmers, and Progressive are the most pricey here.

Average driver profiles for 35-year-old men and women pay less. In this age group, the average male profile paid a study rate of $1,253, and the average female profile paid $1,222 for car insurance each year. Our study found the cheapest two providers for these demographics are State Farm and Nationwide, which cost 15% and 13% respectively below the state average for the male driver profiles in this category. State Farm actually charges the same price for both gender identities at age 35, and also for both gender identities at age 60. 

For driver profiles in the 60-year-old category, the average male profile paid a representative rate of $1,118 and the female profile paid $1,067 in South Dakota. State Farm has the most affordable representative rates, costing these demographics an average of $920 for both genders, which is 21% below the state average for the male driver profiles. Allstate is the most costly, charging average male driver profiles in this demographic 29% above the state average.

Some of the most expensive provider rates in our study in South Dakota include Allstate and Progressive, which can cost male 25-year-old representative driver profiles up to 20% above the state average and male 60-year-old driver profiles up to 29% above the state average, according to our analysis.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

South Dakota Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,513

$1,581

American Family

$1,155

$1,184

Farmers

$1,343

$1,343

Geico

$1,114

$1,187

Nationwide

$1,144

$1,144

Progressive

$1,434

$1,434

State Farm

$971

$1,067

Representative driver profiles in South Dakota who commute 6,000 miles annually paid $1,239 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 $1,277. 

State Farm offers the most affordable representative rates, costing about 16% below the state average for the 12,000-mile commuter. Allstate is the most pricey, with average representative rates about 24% above the state average. Farmers, Nationwide, and Progressive don’t change their representative rates based on mileage, our study found. 

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

South Dakota Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$1,547

$1,581

$1,625

American Family

$1,170

$1,184

$1,188

Farmers

$1,309

$1,343

$1,389

Geico

$1,151

$1,187

$1,227

Nationwide

$1,084

$1,144

$1,218

Progressive

$1,416

$1,434

$1,478

State Farm

$1,033

$1,067

$1,102

South Dakota driver profiles with low car insurance coverage paid an average of $1,244 annually in our study, ranging up to a yearly price of $1,318 for representative driver profiles with high coverage.

Our study found State Farm to be the most affordable national car insurance provider in South Dakota across the coverage types categories, with representative rates ranging from about $1,033 for low coverage up to $1,102 for high coverage. Allstate and Progressive are in the high-cost category, with average driver profiles in our study paying upwards of $1,400, even with low coverage.

Our study rates only go upon average by about $75 a year from low to high coverage, 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.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

South Dakota Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,581

$1,783

$2,317

American Family

$1,184

$1,368

$1,896

Farmers

$1,343

$1,468

$2,113

Geico

$1,187

$1,250

$1,533

Nationwide

$1,144

$1,332

$1,617

Progressive

$1,434

$1,792

$2,516

State Farm

$1,067

$1,375

$2,299

South Dakota driver profiles with good credit paid an average study rate of $1,277 for car insurance, according to our study’s profiles, but representative rates ranged up to $2,042 for average driver profiles with poor credit. 

State Farm is the most affordable national car insurance provider for average driver profiles with good credit, charging on average 17% below the state average. The provider with the most expensive representative rates is Allstate, with study premiums that are 24% above the state average.

For driver profiles with fair credit scores, Geico charges the least according to our representative rates, costing on average 16% below the state average. Progressive has some of the highest representative rates in this category, costing 21% above the state average.

As for driver profiles with poor credit, our study found Geico to be the cheapest, charging average representative rates about 25% below the state average. Progressive, State Farm, and Allstate all have very high representative rates above $2,300 for driver profiles with poor credit. 

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

South Dakota Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,587

$1,728

$2,034

$2,702

American Family

$1,184

$1,213

$1,213

$1,213

Farmers

$1,343

$1,702

$1,834

$1,775

Geico

$1,187

$1,341

$2,004

$3,774

Nationwide

$1,144

$1,370

$1,781

$2,781

Progressive

$1,434

$1,727

$2,022

$1,608

State Farm

$1,067

$1,128

$1,190

$1,128

In South Dakota, representative driver profiles with clean records paid an average study rate of $1,277 annually. With one speeding violation, the average representative cost rose to $1,458; with one accident, $1,725; and with one DUI, $2,140, according to our study. 

For representative driver profiles with clean records in South Dakota, our study found State Farm is the most affordable, with an average study rate 16% below the state average. Allstate and Progressive are the most expensive, with representative rates above $1,400. 

For driver profiles with one speeding violation, Progressive, Farmers, and Allstate are the priciest, with our study showing their average representative rates to all be above $1,700. State Farm has some of the most affordable rates in our study, at about 23% below the state average.

With one accident in South Dakota, State Farm has the lowest representative rate, at about 31% below the state average. Allstate is the most expensive with average study rates that are about 15% above the state average, with Progressive close behind.

State Farm cost our average driver profile with a DUI conviction about 47% below the state average (the lowest we found), but prices in our analysis range up to Geico’s representative rate that's about 76% above the state average.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

South Dakota Car Insurance Rates by City

City

Average Rate

Aberdeen

$1,139

Brookings

$1,136

Huron

$1,167

Mitchell

$1,185

Pierre

$1,267

Sioux Falls

$1,156

Spearfish

$1,350

Vermillion

$1,126

Watertown

$1,099

Yankton

$1,240

In South Dakota, Spearfish is the most expensive city to insure a car, with an average driver profile paying an annual rate of $1,350, according to our study. Pierre also has a high average representative rate of $1,267, but most other top cities including Sioux Falls, Aberdeen, Mitchell, Huron, and Brookings 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 $1,099 and $1,126, respectively. 

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

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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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

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Young Adult Drivers

State Farm

Male Married Adult Drivers

State Farm

Female Married Adult Drivers

Nationwide

Senior Drivers

State Farm

Drivers with Good Credit

State Farm

Drivers with Poor Credit

Geico

Drivers with a Clean Record

State Farm

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

State Farm

High-mileage Drivers

State Farm

Drivers with Low Coverage

State Farm

Drivers with High Coverage

State Farm

Drivers with Used Cars

State Farm

Although the average driver profile paid $1,277 a year for car insurance in South Dakota, the top seven national insurance providers offered average study rates ranging between $1,067 from State Farm to $1,581 from Allstate, our study showed. 

Progressive and Farmers are on the pricey end, costing our driver profiles average study rates of about $1,434 and $1,343, respectively. Geico and American Family offer reasonable representative rates in South Dakota in the $1,185 range to our average driver profiles.

In general, State Farm is the most affordable choice for most demographics and backgrounds. However, drivers with poor credit may want to check out Geico’s low representative rates, and drivers with new cars and married women will want to take a look at Nationwide.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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.

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.

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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. 

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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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