Home Car insurance Car insurance rates by state Low-cost car insurance in South Dakota Low-cost car insurance in South Dakota Our data shows Nationwide delivers the lowest car insurance rates in South Dakota. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Drivers in South Dakota can find the cheapest average premium with Nationwide, at $1,526 per year. By comparison, the statewide average monthly cost is $190. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type. Since auto insurance laws differ by state, South Dakota requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.Here’s how different insurers stack up for drivers in South Dakota, depending on your situation. Key Takeaways Nationwide offers the lowest car insurance rates in South Dakota, at $1,526 per year, which is about 33% the state average.State Farm has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,273.The ZIP code 57006 has the low-cost car insurance rates in South Dakota, at an average annual rate of $1,900. Low-cost car insurance companies in South DakotaAmong all insurers in South Dakota, Nationwide comes in lowest at $1,526 per year – 33% less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.Below are the annual premiums from the cheapest car insurance companies in South Dakota.CompanyAverage annual ratesNationwide$1,526Farmers Mutual of Nebraska$1,989Allstate$2,070State Farm$2,096Farmers$2,207GEICO$2,384Auto-Owners$2,566Iowa Farm Bureau$2,736North Star Mutual$2,744Progressive$3,163USAA*$1,780*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in South Dakota 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in South DakotaDrivers in the 57006 ZIP code pay the lowest average annual premium in South Dakota, at $1,900. See which other areas of the state offer more affordable rates below.ZIP codeCityAverage annual rates57006Brookings$1,90057064Tea$1,92057007Brookings$1,93157201Watertown$1,93957005Brandon$1,95057002Aurora$1,95157068Valley Springs$1,95857071Volga$1,96557028Flandreau$1,96857106Sioux Falls$1,970Powered by: You might find interesting Average car insurance cost in South DakotaCar insurance calculator for teens in South DakotaCheapest SR-22 insurance in South DakotaDo you need insurance to register a car in South Dakota?How much is gap insurance in South DakotaNon-owner auto insurance in South Dakota: Which company has the cheapest rates?South Dakota car insurance calculatorThe best, cheapest car insurance in South DakotaBest and cheapest companies for home and auto bundles in South Dakota Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in South Dakota by cityAberdeenSioux Falls Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in South Dakota by ageYoung drivers often face the highest premiums. In South Dakota, for example, a 16-year-old pays $5,626 more than a 40-year-old driver.The table below shows how rates change by age group.Age groupFull coverage annual premiumsTeens (16-19)$6,328Young Adults (20-24)$3,371Adults (25-60)$2,244Seniors (65-75)$1,994Powered by:Low-cost car insurance in South Dakota by driver historyYour driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.Low-cost car insurance after a speeding ticket in South DakotaJust one speeding ticket in South Dakota can raise your rates by 23% – $519 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$2,096$2,1794%$83Allstate$2,070$2,2408%$170Nationwide$1,526$2,48663%$960GEICO$2,384$2,64011%$256Farmers$2,207$2,85429%$647Auto-Owners$2,566$3,54038%$974Progressive$3,163$3,64015%$477USAA*$1,780$2,29229%$512*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in South Dakota State Farm offers the lowest car insurance rates to drivers after an at-fault accident at $2,273 a year. If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$2,096$2,2738%$177Nationwide$1,526$2,55567%$1,029Allstate$2,070$3,02546%$955Farmers$2,207$3,04038%$833Auto-Owners$2,566$3,51837%$952Progressive$3,163$3,90724%$744GEICO$2,384$3,95066%$1,566USAA*$1,780$2,64048%$860*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in South Dakota]A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in South Dakota keep their premiums lower than others. The table below shows the most affordable options available after a DUI.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$2,096$2,179$834%Farmers$2,207$2,926$71933%Progressive$3,163$3,286$1234%Nationwide$1,526$3,358$1,832120%Allstate$2,070$3,434$1,36466%Auto-Owners$2,566$4,471$1,90574%GEICO$2,384$7,439$5,055212%USAA*$1,780$3,803$2,023114%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance South Dakota Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.In South Dakota, the average cost of full coverage is $385 more compared to the national averageWe recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.What is full coverage car insurance?Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.If you lease or finance your vehicle in South Dakota, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.The bottom line on saving and staying protectedWhen it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in South Dakota.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in South Dakota. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles..We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Low-cost car insurance companies in South DakotaHow we choose low-cost car insurance companies in South DakotaZIP codes with the cheapest car insurance in South DakotaLow-cost car insurance in South Dakota by ageLow-cost car insurance in South Dakota by driver historyAverage cost of car insurance South DakotaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330