Low-cost car insurance in South Dakota

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Drivers in South Dakota can find the cheapest average premium with Farmers Mutual of Nebraska, at $1,499 per year. By comparison, the statewide average monthly cost is $220. 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

Farmers Mutual of Nebraska offers the lowest car insurance rates in South Dakota, at $1,499 per year, which is about $1,136 the state average.
Progressive has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,777.
The ZIP code 57005 has the low-cost car insurance rates in South Dakota, at an average annual rate of $2,163.

Low-cost car insurance companies in South Dakota

Among all insurers in South Dakota, Farmers Mutual of Nebraska comes in lowest at $1,499 per year – $1,136 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.

Company	Average annual rates
Farmers Mutual of Nebraska	$1,499
Progressive	$2,249
Allstate	$2,335
Nationwide	$2,442
Farmers	$2,796
State Farm	$2,814
Auto-Owners	$2,891
North Star Mutual	$3,228
GEICO	$3,318
Iowa Farm Bureau	$4,708
USAA*	$2,041

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in South Dakota

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in South Dakota

Drivers in the 57005 ZIP code pay the lowest average annual premium in South Dakota, at $2,163. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
57005	Brandon	$2,163
57068	Valley Springs	$2,166
57064	Tea	$2,213
57006	Brookings	$2,239
57107	Sioux Falls	$2,243
57041	Lyons	$2,245
57031	Gayville	$2,250
57055	Crooks	$2,255
57027	Fairview	$2,262
57034	Hudson	$2,262

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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 city

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Low-cost car insurance in South Dakota by age

Young drivers often face the highest premiums. In South Dakota, for example, a 16-year-old pays $7,613 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$7,914
Young Adults (20-24)	$3,953
Adults (25-60)	$2,585
Seniors (65-75)	$2,363

Low-cost car insurance in South Dakota by driver history

Your 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 Dakota

Just one speeding ticket in South Dakota can raise your rates by 23% – $600 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.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Allstate	$2,335	$2,526	8%	$192
Progressive	$2,249	$2,588	15%	$339
State Farm	$2,814	$2,926	4%	$112
Farmers	$2,796	$3,616	29%	$819
GEICO	$3,318	$3,674	11%	$356
Nationwide	$2,442	$3,978	63%	$1,535
Auto-Owners	$2,891	$3,988	38%	$1,097
USAA*	$2,041	$2,629	29%	$588

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in South Dakota

Progressive offers the lowest car insurance rates to drivers after an at-fault accident at $2,777 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.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$2,249	$2,777	23%	$528
State Farm	$2,814	$3,052	8%	$238
Allstate	$2,335	$3,411	46%	$1,076
Farmers	$2,796	$3,852	38%	$1,056
Auto-Owners	$2,891	$3,963	37%	$1,073
Nationwide	$2,442	$4,088	67%	$1,645
GEICO	$3,318	$5,497	66%	$2,179
USAA*	$2,041	$3,028	48%	$987

*USAA is only available to military community members and their families.

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.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,249	$2,337	$88	4%
State Farm	$2,814	$2,926	$112	4%
Farmers	$2,796	$3,706	$910	33%
Allstate	$2,335	$3,873	$1,539	66%
Auto-Owners	$2,891	$5,037	$2,147	74%
Nationwide	$2,442	$5,374	$2,932	120%
GEICO	$3,318	$10,351	$7,033	212%
USAA*	$2,041	$4,361	$2,319	114%

*USAA is only available to military community members and their families.

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 $122 more compared to the national average

We 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 protected

When 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.

Methodology

Insure.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 78,451,280 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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.