Home Car insurance Car insurance rates by state Cheapest car insurance in South Dakota Cheapest car insurance in South Dakota In South Dakota, Nationwide offers the cheapest auto insurance rates at $1,526 annually. 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: May 26, 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. Nationwide offers the cheapest car insurance in South Dakota, with an average annual cost of $1,526, based on Insure.com’s data study. However, the exact rates may vary based on factors specific to you.Each state has different car insurance requirements. In South Dakota, drivers are required to carry minimum liability coverage of $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $25,000 for property damage accident. However, many South Dakota drivers prefer full coverage car insurance because it provides adequate coverage in the event of an accident.Here’s a breakdown of the cheapest car insurance company in each category. Cheapest overall: Nationwide $1,526/year National avg. rate Cheapest for at-fault accident: State Farm $2,273/year Avg. rate after an at-fault accident Cheapest for speeding ticket: State Farm $2,179/year Avg. rate after speeding ticket Key Takeaways Nationwide has the cheapest car insurance in South Dakota, with an average annual cost of $1,526, which is 33% less than the state average.State Farm offers affordable car insurance at $2,273 per year to South Dakota drivers with a history of at-fault accidents.57006 is the cheapest ZIP code for auto insurance rates in South Dakota at $1,900 annually. Cheap car insurance companies in South DakotaNationwide offers South Dakota’s most affordable car insurance rates, at $1,526 per year, 33% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.The table below shows the most affordable car insurance companies and their average annual premiums.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 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in South Dakota 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in South DakotaIn South Dakota, the 57006 ZIP code has the most affordable car insurance rates at $1,900. The table below shows the cheapest ZIP codes for car insurance rates.ZIP codeCityAverage annual rates57006Brookings$1,90057064Tea$1,92057007Brookings$1,93157201Watertown$1,93957005Brandon$1,95057002Aurora$1,95157068Valley Springs$1,95857071Volga$1,96557028Flandreau$1,96857106Sioux Falls$1,970Auto 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 cityAberdeenBrookingsSioux FallsWatertownCheapest car insurance in South Dakota by ageIn South Dakota, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $5,626 more for car insurance than a 40-year-old driver.The following table shows the cheapest car insurance premiums for drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$6,328Young Adults (20-24)$3,371Adults (25-60)$2,244Seniors (65-75)$1,994 You might find interesting The best, cheapest car insurance in South DakotaSouth Dakota car insurance calculatorNon-owner auto insurance in South Dakota: Which company has the cheapest rates?Cheapest SR-22 insurance in South DakotaBest and cheapest companies for home and auto bundles in South Dakota Cheapest car insurance in South Dakota by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.Cheapest car insurance after a speeding ticket in South DakotaBelow is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.State Farm: $2,179 per yearAllstate: $2,240 per yearNationwide: $2,486 per yearA single speeding ticket in South Dakota can cause your insurance rates to go up by 23%, or $519, according to Insure.com’s analysis.Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in South DakotaHere are the top three companies that offer cheap car insurance after an accident:State Farm: $2,273 per yearNationwide: $2,555 per yearAllstate: $3,025 per yearState Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $2,273 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in South DakotaHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.State Farm: $2,179 per yearFarmers: $2,926 per yearProgressive: $3,286 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ 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% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in South DakotaWhile full coverage insurance is more expensive than minimum liability insurance, many drivers find the extra cost worth it. In South Dakota, the average cost of full coverage car insurance is $385 more than the national average car insurance cost.While multiple full coverage limits are available, Insure.com editors recommend getting a policy with 100/300/100 coverage limits for adequate protection.What is full coverage car insurance in South Dakota?Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.If you lease or finance a car in South Dakota, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.Final thoughtsWhile it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy 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 violation 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. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani 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. 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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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in South DakotaHow we choose the cheapest car insurance companies in South DakotaCheapest ZIP codes for car insurance in South DakotaCheapest car insurance in South Dakota by ageCheapest car insurance in South Dakota by driver historyAverage car insurance cost in South DakotaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330