South Dakota was the least expensive state for auto insurance in 2020, with an average expenditure of $738.59. Diving into the options for the cheapest car insurance in South Dakota unearths its complexities, especially when aiming for a blend of affordability and robust coverage.
Recent data spotlights Kemper, which offers full coverage at an average yearly rate of $931 or a monthly expense of $78. This is notably lower than the state’s average full coverage cost, which hovers around $1,838 annually.
Conversely, North Star stands out for minimal coverage, presenting rates as competitive as $242 per year for a 35-year-old with an exemplary driving history.
This detailed guide will explore top-tier yet affordable car insurance options tailored to varying age groups, credit profiles, and driving records as of January 2024.
What is the cheapest car insurance in South Dakota?
The cheapest car insurance in South Dakota varies by provider and coverage needs. As of now, Farmers Mutual of Nebraska offers the most affordable minimum coverage at $220 annually, followed closely by Nationwide at $231 per year.
In contrast, Allstate tops the list with an average annual premium of $483 for minimum coverage, making it the priciest option.
To meet South Dakota’s minimum auto insurance requirements, drivers must ensure they have bodily injury and property damage liability and uninsured/underinsured motorist coverage.
When choosing an insurance provider, consider the price, coverage quality, and customer service. Let’s look at companies that offer some of the best and cheapest car insurance in South Dakota.
| Company | Annual Premium | Monthly Premium |
| Farmers Mutual of Nebraska | $220 | $18 |
| Nationwide | $231 | $19 |
| State Farm | $252 | $21 |
| American Family | $256 | $21 |
| Auto-Owners Insurance Co | $272 | $23 |
| Kemper | $276 | $23 |
| GEICO | $301 | $25 |
| Iowa Farm Bureau | $308 | $26 |
How we chose the cheapest companies in South Dakota
A specialized editorial team conducted a comprehensive review to determine the most cost-effective car insurance options in South Dakota. This evaluation focused on various criteria, including driver demographics, vehicle type, and specific coverage needs.
Coverage Limits Analyzed
Bodily Injury Liability
$100,000 per person.
$300,000 per accident.
Property Damage Liability
$50,000 per accident.
Uninsured Motorist Coverage
$100,000 per person.
$300,000 per accident.
Deductibles for Collision and Comprehensive Coverage
Both are set at $1,000.
This framework ensured a standardized assessment across insurers, enabling a fair comparison based on specific coverage parameters.
Comparing car insurance quotes can help you zero in on the best deal that falls within your budget and provide the coverage you need in case of an accident. You can use Beem to find the best insurance quotes to help you make the right choice.
Cheap Car insurance in South Dakota
Exploring the world of car insurance in South Dakota? Discover cost-effective options and top-rated providers that offer quality coverage without breaking the bank.
Rates Below National Average
South Dakota’s car insurance premiums typically fall below the national average. This favorable pricing landscape means residents are more likely to secure affordable coverage without compromising quality or essential protections.
Top Affordable Providers
Certain names consistently stand out for offering cost-effective policies among the myriad of insurance companies operating in the state. State Farm, American Family Insurance, Geico, and Farmers Mutual of Nebraska are renowned for competitive rates and reliable coverage options.
Provider Ratings
Let’s understand this with some of the best ratings with different providers.
- State Farm: With an impressive overall rating of 9.4, State Farm excels in coverage (9.2) and cost (9.3) parameters. Additionally, they extend 16 distinct discount opportunities to policyholders, making them a popular choice for budget-conscious drivers.
- American Family Insurance: Garnering a commendable 9.1 overall rating, American Family Insurance shines particularly bright in coverage (9.4) and affordability (9.5). Moreover, they offer an expansive range of 18 discounts, making their policies even more enticing.
- Geico: Known for its straightforward approach and competitive pricing, Geico boasts a solid 9.1 overall rating. While their coverage rating stands at 8.4, their cost-effectiveness scores a notable 9.1, backed by nine unique discount options.
- Farmers Mutual of Nebraska: This insurer, with an overall rating of 8.6, showcases strength in coverage (9.0). However, their cost rating slightly trails at 7.4. Nevertheless, with six available discounts, they remain a viable and affordable option for many.
- Variability in Quotes: Understanding that each insurance provider employs distinct methods to calculate premiums is crucial. This leads to price variations for similar coverage across companies. To ensure you’re getting the best deal, soliciting quotes from multiple insurers in South Dakota is advisable, enabling a comprehensive comparison to pinpoint the most advantageous rates and coverage.
South Dakota Rates for Teen Drivers
Navigating the intricacies of insuring teen drivers in South Dakota reveals notable cost disparities based on coverage options. For instance, a 16-year-old male opting for an individual policy faces a hefty average annual premium of $4,984. However, a more cost-effective route emerges when parents incorporate their teens into their existing policy. Doing so significantly drops the annual cost to $2,268, marking a substantial savings of $2,716 annually.
Such considerable differences underscore the financial advantages and practicality of leveraging existing parental policies, emphasizing the importance of exploring all available options to secure the most economical coverage for teen drivers in Mount Rushmore State. To understand more with comparison, let’s check out the rates available by the different companies.
| Company | Family Plan Annual Premium | Individual Plan Annual Premium |
| Allstate | $1,087 | $6,227 |
| Nationwide | $1,310 | $2,649 |
| Farmers | $1,750 | $5,768 |
| State Farm | $1,778 | $2,367 |
| Auto-Owners Insurance Co | $2,188 | $2,468 |
| GEICO | $2,234 | $5,697 |
| Progressive | $2,608 | $5,452 |
| Kemper | $2,773 | $3,258 |
1. Cheapest for 20-year-old Drivers
Navigating insurance as a 20-year-old in South Dakota? Discover the most affordable options tailored to various circumstances, from clean records to DUIs, helping young drivers secure optimal coverage at reasonable rates.
Cheapest full coverage car insurance in South Dakota for 20-year-olds
For 20-year-olds in South Dakota seeking comprehensive protection, Kemper offers the most competitive rates at $2,214 annually, followed by other affordable options like Farm Bureau Financial Services, Allstate, and Farmers.
Cheapest minimum coverage car insurance in South Dakota for 20-year-olds
Those prioritizing basic coverage can consider North Star, which provides the cheapest rates at just $492 annually. Other cost-effective options include Farm Bureau Financial Services, Auto-Owners, and State Farm.
Cheapest auto insurance in South Dakota for 20-year-olds with poor credit
North Star is the most economical choice for 20-year-olds grappling with poor credit in South Dakota, offering coverage at $816 per year. Geico, Farm Bureau Financial Services, and Allstate also present competitive rates.
Cheapest auto insurance in South Dakota for 20-year-olds with one speeding ticket
After a speeding ticket in South Dakota, North Star remains the affordable leader, providing coverage at an annual rate of $670. Other favorable options include Farm Bureau Financial Services, State Farm, and Western National.
Cheapest auto insurance in South Dakota for 20-year-olds with one at-fault crash
Following an at-fault crash, North Star stands out as the most budget-friendly option for 20-year-olds in South Dakota, offering coverage at $760 annually. Western National, State Farm, and Farm Bureau Financial Services also provide competitive rates.
Cheapest auto insurance in South Dakota for 20-year-olds after a DUI
Post-DUI, Progressive offers the most cost-effective coverage for 20-year-olds in South Dakota at an annual rate of $776. Western National, State Farm, and American Family also present viable and affordable alternatives.
2. Cheapest for 30-year-old drivers
As drivers transition into their 30s in South Dakota, insurance rates typically become more favorable. Despite this, variables like driving records and vehicle specifics can influence costs. This guide breaks down the most affordable insurance options tailored to various 30-year-old driver scenarios.
Cheapest full coverage car insurance in South Dakota for 30-year-olds
Kemper stands out for 30-year-olds seeking comprehensive coverage in South Dakota, offering the lowest average rate at $915 annually. State Farm, Nationwide, Farm Bureau Financial Services, and Western National follow close, presenting competitive pricing options.
Cheapest minimum coverage car insurance in South Dakota for 30-year-olds
For those prioritizing basic coverage, North Star and State Farm lead the pack in affordability for 30-year-olds in South Dakota, offering rates close to $20 monthly. Auto-Owners, Kemper, and Farm Bureau Financial Services also present cost-effective choices.
Cheapest auto insurance in South Dakota for 30-year-olds with poor credit
Amidst the challenge of poor credit, Kemper emerges as the most economical option for 30-year-olds, providing full coverage at an annual rate of $1,089. Nationwide, Allstate, Geico, and American Family offer relatively competitive rates.
Cheapest auto insurance in South Dakota for 30-year-olds with one speeding ticket
After a speeding violation, North Star and State Farm offer the most affordable minimum coverage options for 30-year-olds in South Dakota, averaging around $23 monthly. Western National, Farm Bureau Financial Services, and Auto-Owners follow suit with competitive rates.
Cheapest auto insurance in South Dakota for 30-year-olds with one at-fault crash
For 30-year-olds contending with an at-fault incident, Kemper offers the lowest full coverage rates in South Dakota at $1,659 annually. Western National, State Farm, Farm Bureau Financial Services, and Auto-Owners provide viable, cost-effective alternatives.
Cheapest auto insurance in South Dakota for 30-year-olds after a DUI
Following a DUI, Western National emerges as the most affordable choice for 30-year-olds seeking full coverage in South Dakota, with an average annual rate of $1,672. State Farm, Allstate, Progressive, and Auto-Owners also offer competitive pricing options.
3. Cheapest for 40-year-old drivers
As 40-year-olds navigate the car insurance landscape in South Dakota, their rates reflect a balance between their driving experience and the policies they choose. Here’s a breakdown of affordable options across various scenarios to aid in making informed decisions.
Cheapest full coverage car insurance in South Dakota for 40-year-olds
For 40-year-olds seeking comprehensive coverage in South Dakota, Kemper emerges as the most budget-friendly choice at an annual rate of $898. Other competitive options include Nationwide, State Farm, Farm Bureau Financial Services, and Western National.
Cheapest minimum coverage car insurance in South Dakota for 40-year-olds
For those 40-year-olds prioritizing minimal coverage, North Star and State Farm lead with the most economical options, hovering around $20 per month. Kemper, Auto-Owners, and Western National also provide cost-effective choices.
Cheapest auto insurance in South Dakota for 40-year-olds with poor credit
Amidst the challenge of a less-than-perfect credit score, Kemper stands out as the most affordable option for 40-year-olds in South Dakota, offering full coverage at $1,068 annually. Nationwide, Allstate, Geico, and American Family follow with competitive rates.
Cheapest auto insurance in South Dakota for 40-year-olds with one speeding ticket
After speeding violations, Western National and North Star offer the most cost-effective minimum coverage options for 40-year-olds, both around $22 monthly. State Farm, Farm Bureau Financial Services, and Kemper also present competitive pricing.
Cheapest auto insurance in South Dakota for 40-year-olds with one at-fault crash
For 40-year-olds facing an at-fault incident, Western National emerges as the most economical choice for full coverage in South Dakota, with an average annual rate of $1,589. Kemper, State Farm, Farm Bureau Financial Services, and Nationwide also offer viable alternatives.
Cheapest auto insurance in South Dakota for 40-year-olds after a DUI
Following a DUI, Western National provides the most affordable full coverage option for 40-year-olds in South Dakota, with an average rate of $1,589 annually. State Farm, Progressive, Allstate, and Farm Bureau Financial Services also present competitive pricing.
4. Cheapest for 50-year-old drivers
Entering their 50s, drivers in South Dakota often experience a noticeable decline in insurance rates due to their accumulated driving experience and generally established records. However, circumstances like credit history or past violations can still influence rates. Here’s a comprehensive breakdown to guide 50-year-olds in their quest for the most affordable insurance options.
Cheapest full coverage car insurance in South Dakota for 50-year-olds
For those seeking comprehensive coverage, Kemper emerges as the most cost-effective choice for 50-year-olds in South Dakota, with an annual rate of $861. Nationwide, Farm Bureau Financial Services, State Farm, and Western National are not far behind, all offering competitive rates.
Cheapest minimum coverage car insurance in South Dakota for 50-year-olds
For individuals prioritizing minimal coverage, North Star and Farm Bureau Financial Services stand out as the most economical options for 50-year-olds, hovering around an impressively low $18 per month. Auto-Owners and Kemper also provide competitive rates for this demographic.
Cheapest auto insurance in South Dakota for 50-year-olds with poor credit
Despite poor credit challenges, Kemper offers the most affordable full coverage option for 50-year-olds in South Dakota at an annual rate of $1,024. Nationwide, Allstate, Farm Bureau Financial Services, and American Family follow suit with competitive offerings.
Cheapest auto insurance in South Dakota for 50-year-olds with one speeding ticket
After a recent speeding violation, Western National and North Star provide the most budget-friendly minimum coverage options for 50-year-olds, averaging around a mere $20 monthly. Farm Bureau Financial Services, State Farm, and Kemper also present cost-effective choices.
Cheapest auto insurance in South Dakota for 50-year-olds with one at-fault crash
For those dealing with an at-fault incident, Western National offers the most economical total coverage rate for 50-year-olds in South Dakota at an annual average of $1,420. Kemper, State Farm, Farm Bureau Financial Services, and Auto-Owners also present viable alternatives.
Cheapest auto insurance in South Dakota for 50-year-olds after a DUI
Following a DUI, Western National offers the most affordable full coverage option for 50-year-olds in South Dakota at an annual rate of $1,420. State Farm, Progressive, Farm Bureau Financial Services, and Allstate also provide competitive rates for this demographic.
5. Cheapest for 60-year-old drivers
For individuals in their 60s residing in South Dakota, car insurance rates, although generally favorable compared to younger demographics, can begin to show variations based on factors like credit history, driving record, and specific incidents such as speeding tickets or accidents. Here’s a concise breakdown tailored to 60-year-old drivers seeking cost-effective insurance options.
Cheapest full coverage car insurance in South Dakota for 60-year-olds
Kemper is the most economical choice for 60-year-olds seeking comprehensive coverage in South Dakota, with a competitive annual rate of $789. Nationwide, State Farm, Farm Bureau Financial Services, and Western National follow closely, offering commendable rates for this age bracket.
Cheapest minimum coverage car insurance in South Dakota for 60-year-olds
For those prioritizing basic coverage, North Star and Farm Bureau Financial Services emerge as the top contenders, both offering rates around an affordable $18 per month. State Farm, Kemper, and Auto-Owners also provide cost-effective options for 60-year-olds.
Cheapest auto insurance in South Dakota for 60-year-olds with poor credit
Despite credit challenges, Kemper remains the most cost-effective option for 60-year-olds in South Dakota, offering full coverage at an annual rate of $941. Nationwide, Allstate, Farm Bureau Financial Services, and American Family follow suit with competitive rates despite poor credit histories.
Cheapest auto insurance in South Dakota for 60-year-olds with one speeding ticket
After a recent speeding violation, Western National and North Star offer the most budget-friendly minimum coverage options for 60-year-olds, averaging around a modest $20 monthly. Farm Bureau Financial Services, State Farm, and Kemper also present appealing choices.
Cheapest auto insurance in South Dakota for 60-year-olds with one at-fault crash
For those navigating the aftermath of an at-fault accident, Western National provides the most affordable full coverage rate for 60-year-olds in South Dakota at an annual average of $1,420. Kemper, State Farm, Farm Bureau Financial Services, and Auto-Owners also present viable and competitive alternatives.
Cheapest auto insurance in South Dakota for 60-year-olds after a DUI
Following a DUI incident, Western National offers the most economical full coverage option for 60-year-olds in South Dakota at an annual rate of $1,420. State Farm, Progressive, Farm Bureau Financial Services, and Allstate also provide competitive and cost-effective rates for this demographic.
6. Cheapest for 70-year-old drivers
As drivers reach the age of 70, they might notice a shift in insurance rates, which may increase due to various factors. However, by being proactive and comparing quotes, these drivers can still find affordable options tailored to their needs. Additionally, taking advantage of senior-specific discounts or completing defensive driving courses can further reduce premiums.
Cheapest full coverage car insurance in South Dakota for 70-year-olds
For those in South Dakota seeking comprehensive coverage, Kemper offers the most economical option at $855 annually. Other notable contenders for affordable rates include Farm Bureau Financial Services, State Farm, Nationwide, and American Family, providing a range of competitive rates for 70-year-olds with clean driving histories.
Cheapest minimum coverage car insurance in South Dakota for 70-year-olds
If minimal coverage is preferred, North Star and Farm Bureau Financial Services emerge as the most cost-effective option, with rates hovering around a budget-friendly $18 monthly. State Farm, Kemper, and Western National offer reasonable rates for 70-year-olds prioritizing essential coverage.
Cheapest auto insurance in South Dakota for 70-year-olds with poor credit
Despite credit challenges, Kemper remains a top choice for 70-year-olds in South Dakota, offering full coverage at an annual rate of $1,020. Nationwide, Farm Bureau Financial Services, Allstate, and American Family also present competitive and feasible options, even for those with poor credit scores.
Cheapest auto insurance in South Dakota for 70-year-olds with one speeding ticket
Following a speeding violation, North Star and Farm Bureau Financial Services stand out as the most affordable options for 70-year-olds in South Dakota, with rates averaging around a modest $20 monthly. Western National, State Farm, and Kemper also appeal to this demographic.
Cheapest auto insurance in South Dakota for 70-year-olds with one at-fault crash
For 70-year-olds navigating the aftermath of an at-fault accident, State Farm offers the most affordable full coverage rate in South Dakota, averaging $1,508 annually.
Kemper, Western National, Farm Bureau Financial Services, and Auto-Owners also present competitive and cost-effective alternatives for those in this situation.
Cheapest auto insurance in South Dakota for 70-year-olds after a DUI
After a DUI incident, Western National emerges as the most economical full coverage option for 70-year-olds in South Dakota, with an annual rate of $1,630. State Farm, Progressive, Farm Bureau Financial Services, and Allstate also provide competitive rates, offering viable choices for this demographic.
How Much Is Full Coverage Car Insurance in South Dakota?
Full coverage car insurance in South Dakota varies based on age, driving record, and the insurance provider. On an average, drivers and vehicle owners can expect to pay between $1,200 to $1,500 annually for full coverage.
However, rates can increase or decrease depending on individual circumstances, making it essential for drivers to compare quotes from multiple insurers for accurate pricing.
| Carrier | Monthly Full Coverage Premium | Annual Full Coverage Premium | Savings vs State Avg. for Full Coverage |
| State Farm | $96 | $1,148 | – $405 |
| Amco Insurance | $102 | $1,229 | – $324 |
| Farmers Mutual of Nebraska | $105 | $1,260 | – $293 |
| Farmers | $111 | $1,326 | – $227 |
| USAA | $116 | $1,389 | – $164 |
Average Annual Car Insurance Rates in South Dakota by Company
For those opting for just the state minimum liability coverage in South Dakota, the average annual cost is approximately $254, translating to about $21 per month. In contrast, choosing full coverage could cost considerably more, averaging between $1,200 to $1,500 annually. This difference means potential savings of around $1,485 annually for drivers selecting only the basic coverage.
| Company | Avg. Annual Premium |
| Progressive | $191 |
| USAA | $212 |
| GEICO | $269 |
| State Farm | $271 |
| Farmers | $333 |
| Nationwide | $360 |
| Allstate | $420 |
How Much Is Liability-Only Coverage Car Insurance in South Dakota?
In South Dakota, the minimum requirements for those seeking only liability coverage are $25,000 for bodily injury per individual, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
However, considering recommendations from experts like MoneyGeek, it’s suggested to opt for higher limits, such as $100,000 for bodily injury per person, $300,000 per accident, and $100,000 for property damage. Additional coverage like comprehensive and collision might be necessary if you have a financed vehicle or want more protection.
Minimum Car Insurance Requirements in South Dakota
The most affordable car insurance option in South Dakota is the minimum coverage, averaging around $276 annually. State law mandates that every registered driver possess personal liability and uninsured/underinsured motorist coverage.
Specifically, the state’s minimum coverage is 25/50/25, which breaks down to $25,000 for bodily injury per individual, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Additionally, a 25/50 limit for uninsured/underinsured motorist coverage is obligatory. This coverage safeguards you and your passengers if an uninsured motorist causes an accident.
However, it doesn’t cover vehicle damages in such scenarios.
While meeting the state’s minimum requirements is essential, South Dakota drivers should consider purchasing coverage beyond these limits if financially feasible. If an at-fault accident surpasses your policy’s coverage, you could be liable for the remaining expenses.
For those leasing or financing their vehicles, the likelihood of needing full coverage, which encompasses collision and comprehensive coverage, is high. On average, South Dakotans can expect to pay around $1,553 annually for such comprehensive protection.
Tips for How to Get Cheap Car Insurance in South Dakota
Here’s a summarized version of the tips for getting cheap car insurance in South Dakota:
Compare Widely
Look beyond national insurers. Regional companies like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might offer more competitive rates.
Understand Influencing Factors
Age, gender, credit history, marital status, and vehicle type can affect your premiums in South Dakota.
Optimize Coverage
While liability insurance is mandatory, assess if optional coverages like collision and comprehensive are necessary for older vehicles. Consider usage-based insurance or adjust deductibles and limits based on your needs.
Explore Discounts
Many insurers in South Dakota offer discounts for students, veterans, safe drivers, homeowners, and those willing to go paperless.
Location Matters
Insurance costs can differ significantly by zip code. Living in less expensive areas can lead to considerable savings.
Monitor Your Credit
A good credit score can significantly reduce insurance costs. Regularly check and improve your credit score to get better rates.
Stay Insured Continuously
Maintaining consistent insurance coverage is crucial. Drivers in South Dakota with a lapse in coverage might face higher premiums.
By implementing these tips, drivers in South Dakota can navigate their insurance options more effectively and potentially secure cheaper rates.
No-fault insurance in South Dakota
South Dakota operates under a traditional tort liability system for car insurance, not a no-fault system. In a tort system, the at-fault driver covers the other involved parties’ medical expenses, property damage, and other accident-related costs. Therefore, if you cause an accident in South Dakota, you (or your insurance provider) must pay for the damages.
Being at fault can result in fines, penalties, and an increase in insurance premiums. Companies like North Star Mutual may offer relatively affordable rates even after an accident. Still, it’s crucial to understand that fault is determinative in South Dakota’s insurance framework.
Conclusion
In wrapping up, navigating the options for the cheapest car insurance in South Dakota demands a blend of knowledge and strategy. Recognizing the state’s tort liability framework highlights the stakes of driving responsibly and the financial outcomes of any mishaps.
By actively comparing quotes, tapping into discounts, and ensuring uninterrupted coverage, drivers set the stage for more economical premiums. Personal elements, including credit ratings and location, also play pivotal roles in shaping insurance costs.
In essence, a well-informed and engaged approach meets South Dakota’s legal standards and safeguards drivers against unforeseen financial burdens on their journeys.
Also, it helps to remember that auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others.
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FAQs
Is car insurance required in South Dakota?
Yes, car insurance is required for all drivers in South Dakota.
Which cars are required to be insured in South Dakota?
All cars, including those registered in South Dakota, must have liability insurance.
When should I get car insurance in South Dakota?
You should obtain car insurance before driving your vehicle on public roads.
How much car insurance do I need in South Dakota?
South Dakota mandates liability coverage with specific minimums. However, additional coverage types are optional.
How much is car insurance in my city in South Dakota?
Insurance costs vary by city in South Dakota. It’s best to obtain quotes tailored to your specific location.
What happens if my car is not properly insured in South Dakota?
Driving without proper insurance can result in license suspension, fines, or other penalties.
Is South Dakota a no-fault state?
No, South Dakota follows a tort liability system for car insurance.
Do I need uninsured motorist coverage in South Dakota?
South Dakota requires uninsured motorist coverage, but you can opt out by providing a written rejection.
Is liability insurance required in South Dakota?
Liability insurance is mandatory in South Dakota to cover bodily injury and property damage.
Does South Dakota accept digital insurance cards?
Yes, South Dakota accepts digital proof of insurance on electronic devices.
Is insurance expensive in South Dakota?
Insurance costs in South Dakota can vary; factors like driving record, location, and coverage levels influence rates.
What’s the average cost of car insurance in South Dakota?
The average cost of car insurance in South Dakota varies annually based on multiple factors, including coverage type and individual circumstances.
