Auto Insurance in South Dakota: Best Car Insurance Companies

Drivers in South Dakota are required to carry minimum liability insurance, though not all companies offer the same coverage. For example, some insurance providers require drivers to file small claims against their own policy rather than filing through their insurer (which can lower your deductible). Depending on the state you live in and the provider you choose, drivers may be required to show proof of insurance before registering their vehicle.

Auto Insurance in South Dakota

Drivers in South Dakota should consider the following when choosing an insurance provider:

Cheapest Car Insurance in South Dakota

The cheapest car insurance in South Dakota is $1,291.70 a year for full coverage and $941.69 a year for liability only.

Best Car Insurance Companies in South Dakota

The three top-rated car insurance companies in South Dakota are Progressive, Dairyland and American Family. For a quote comparison, check out this study conducted by the Arizona Office of the Attorney General.

Cheap Full Coverage in South Dakota

Drivers with full coverage pay an average of $1,836.62 a year for South Dakota car insurance, which is 44% lower than the statewide average of $3,350.46.

Drivers With a DUI in South Dakota

Drivers convicted of alcohol-related DUIs could be charged as much as $10,000 or more than three times the minimum liability limits and will have their licenses suspended for a specific period of time, usually a year.

Drivers With Tickets in South Dakota

Drivers with one moving violation could pay as much as $1,000, which is four times the average rate of $271.

Drivers With Bad Credit in South Dakota

Insurance providers may not offer low-mileage, multi-policy or other discounts to drivers with bad credit.

Seniors in South Dakota

Drivers age 55 or older could receive up to 20% off their auto insurance rates. Some companies may limit this discount to drivers over the age of 62.

Student Drivers in South Dakota

Most insurance providers offer good student discounts for drivers under the age of 25.

Military Drivers in South Dakota

Insurance providers offer different rates to active duty service members, depending on location.

Average Cost of Car Insurance in South Dakota

The average cost for car insurance in South Dakota is $1,836.62 a year for full coverage and $941.69 a year for liability only.

Car Insurance in South Dakota

The state of South Dakota requires all drivers to carry liability insurance. Drivers must also prove financial responsibility for any damage they cause in the event of an accident. To avoid carrying unnecessary car insurance or paying more than necessary, make sure you know what coverage is required by your state before conducting a quote comparison.


So, you’ve read through our guide and now know everything there is to know about getting the cheapest car insurance in South Dakota. You can save money by shopping around for quotes from different companies or comparing rates online. It might take some time but it will be worth it when you have a more affordable policy that fits your needs! Don’t forget to check out all of these other helpful articles on how to find cheap full coverage auto insurance in SD here at Insurance Quote HQ before you go. We hope this guide has helped answer any questions you had and good luck with your search!

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