Cheapest car insurance in South Dakota

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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

Cheap car insurance companies in South Dakota

Nationwide 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.

*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 Dakota

In 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.

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.

Cheapest car insurance in South Dakota by age

In 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.

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Cheapest car insurance in South Dakota by driver history

Your 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 Dakota

Below is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.

• State Farm: $2,179 per year
• Allstate: $2,240 per year
• Nationwide: $2,486 per year

A 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in South Dakota

Here are the top three companies that offer cheap car insurance after an accident:

• State Farm: $2,273 per year
• Nationwide: $2,555 per year
• Allstate: $3,025 per year

State 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in South Dakota

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• State Farm: $2,179 per year
• Farmers: $2,926 per year
• Progressive: $3,286 per year

A 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in South Dakota

While 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 thoughts

While 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.

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 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 applied

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

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

Shivani Gite

Contributing Writer

 

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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.