Low-cost car insurance in South Dakota

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In South Dakota, Farmers Mutual of Nebraska offers the cheapest average premium at $1,499 per year. For comparison, the statewide average monthly cost is $220, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In South Dakota, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Farmers Mutual of Nebraska has the cheapest average premium in South Dakota, coming in at $1,499 per year – about $1,136 compared to the state average.
For drivers with an at-fault accident on their record, Progressive offers the lowest rates, with annual costs averaging $2,777.
The 57005 ZIP code is the least expensive area in South Dakota for car insurance, with an average yearly premium of $2,163.

Low-cost car insurance businesses in South Dakota

When comparing insurers in South Dakota, Farmers Mutual of Nebraska leads the pack with an annual average of $1,499. That’s $1,136 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable 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

In South Dakota, drivers living in the 57005 ZIP code enjoy the lowest average annual premium at $2,163. Check the table below to see which other ZIP codes in the state have more affordable rates.

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

Teenagers pay significantly more for car insurance than adults in South Dakota. For instance, a 16-year-old driver pays $7,613 more on average than a 40-year-old.

The following table shows car insurance rates by age group in South Dakota.

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 record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in South Dakota

One speeding ticket in South Dakota can cause your insurance rates to jump by 23%, or roughly $600 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Progressive is the lowest-cost option for these drivers, with an average annual premium of $2,777.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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 insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in South Dakota is $122 more than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in South Dakota, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance 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 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 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.