Auto insurance in South Dakota costs about $25 a month for minimum coverage and about $83 a month for full coverage. USAA and State Farm provide the cheapest auto insurance in the state.
These rates are already relatively low, but remember that they are the averages in South Dakota. This means you may be able to reduce your annual auto insurance costs even further. We’ve put together a guide based on the most recent auto insurance industry and state information to help you find your best auto insurance premium. This article will cover:
- How much does car insurance cost in South Dakota?
- South Dakota cheapest auto insurance rates
- Best companies for cheap car insurance in South Dakota
- South Dakota auto insurance laws
What are South Dakota’s average auto insurance rates?
How much does car insurance cost in South Dakota? Our data shows that minimum coverage in the South Dakota costs an average of $296 a year, while full coverage costs $991 a year. These rates are much lower than the national average cost of car insurance at $570 for minimum coverage and $1,255 for full coverage. There are regional and personal factors that can also affect your rates, like your ZIP code, how many claims you’ve filed in the past and your driving record.
Who offers the cheapest car insurance rates in South Dakota?
The chart below shows the average annual minimum coverage rates of the top auto insurance providers in South Dakota. USAA has the lowest average annual premium, $164, while Allstate has the highest average annual rate, $392.
| Company | Yearly rate |
|---|---|
| USAA | $164 |
| State Farm | $227 |
| Western National | $231 |
| Auto-Owners | $251 |
| Farmers Mutual of Nebraska | $276 |
| Progressive | $285 |
| Farm Burea | $292 |
| North Star Mutual | $303 |
| Nationwide | $361 |
| American Family | $369 |
| Allstate | $392 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The low cost of auto insurance in South Dakota puts drivers there at a distinct advantage because they can afford to be choosy. Take the time to compare quotes from multiple providers, look at their offerings versus their rates and factor in discounts they offer that can save you even more money.
South Dakota’s best car insurance companies
The table below lays out South Dakota’s best auto insurers based on regional market share and ratings in J.D. Power’s 2020 auto insurance study. Finding the lowest rate is only part of buying your best auto insurance coverage. Looking into an insurance company’s market share and customer satisfaction rating gives you insight into how providers treat their policyholders.
| Company | South Dakota market share | 2020 J.D. Power customer satisfaction score (out of 1000) |
|---|---|---|
| State Farm | 18% | 829 |
| Progressive | 15% | 824 |
| American Family | 9% | 827 |
| Farmers Mutual of Nebraska | 6% | — |
| USAA | 5% | 897 |
| Nationwide | 4% | 828 |
| Farm Bureau | 3% | — |
| Auto-Owners | 3% | 845 |
| Allstate | 2% | 830 |
Overall, State Farm comes out as a strong contender with the second-lowest average annual premium of $227, a good customer satisfaction score and the highest market share in South Dakota.
South Dakota auto insurance laws
What is the minimum required auto insurance in South Dakota?
South Dakota state law requires all drivers to carry the following minimum auto insurance coverages:
- Individual bodily liability per person: $25,000
- Total bodily injury liability per incident: $50,000
- Property damage liability: $25,000
- Uninsured motorist bodily injury coverage per person: $25,000
- Uninsured motorist bodily injury coverage per incident: $50,000
South Dakota SR-22 requirements
In the event that your driver’s license is suspended, South Dakota law requires you to file an SR-22 form. The SR-22 provides proof that you have the state-required liability coverage limits noted above.
South Dakota law requires you to carry the SR-22 for three consecutive years. If you let the SR-22 lapse, you will have to reinstate it or your license will be suspended again. Furthermore, the three-year period resets and you’ll have to start it again.
South Dakota DUI laws
If you are pulled over and found to have a blood alcohol content (BAC) of 0.08%, you are guilty of driving under the influence (DUI). The penalties in South Dakota for a first-offense DUI conviction include:
- Up to one year of jail time.
- $1,000 in fines.
- Thirty days to one year driver’s license suspension.
In addition to any legal penalties you may face, buying DUI insurance is very expensive. It’s possible that your annual premium could increase $5,000 after a DUI. Scarily enough, this could be the best-case scenario. Insurers consider a drunk driving conviction to be a high risk, and they may not offer coverage if you have one on your record.
Methodology
QuoteWizard compiled average rates used in this article based on the following variables:
- A 35-year-old single driver.
- Employed, with a bachelor’s degree college education.
- Excellent credit score and zero accidents.
- Drives a 2012 Honda Accord LX with an annual mileage of 16,000 miles.
Sources:
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