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Get Cheap Car Insurance in South Dakota
We monitor insurance prices, helping the average driver in South Dakota save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in South Dakota
The chart below shows the cheapest car insurance company in South Dakota for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by American Family Insurance, Midvale Home & Auto, and State Farm.
| South Dakota Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $29 |
| American Family Insurance | $32 |
| Midvale Home & Auto | $33 |
| State Farm | $33 |
Savings for Every Kind of South Dakota Driver
Based on our extensive insurance data, we know the average South Dakota driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $377 per year by choosing the right vehicle insurance company. Some South Dakota residents are paying out over $1,817 extra every year for auto insurance in South Dakota. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Dakota Savings / Yr. |
|---|---|
$377 |
|
$761 |
|
$588 |
|
$856 |
|
$1,422 |
|
$415 |
|
$651 |
South Dakota Car Insurance vs. the United States
People living in South Dakota pay an average of 10.11% more than the typical driver in the nation. The average driver in South Dakota can expect to pay about $498 per year, or $1,817 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in South Dakota for most people.
Car Insurance Prices by South Dakota Neighborhood
Insurance Prices
Where is insurance cheapest within South Dakota?
The map shows insurance prices in and around South Dakota, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $405 per year within the state boundaries, with insurance premiums ranging from a high of $1,855 to a low of $1,450. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of South Dakota.Pick the Best Car Insurance Company for You in South Dakota
The best car insurance provider for most drivers in South Dakota
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $377 over the average South Dakota car insurance company.
The best car insurance provider for South Dakota drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $761 over the competition.
The best car insurance company for South Dakota drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $588 better than other car insurance companies.
The best auto insurance for South Dakota drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $856 less each year.
The least expensive car insurance company for new and young drivers in South Dakota
In South Dakota, State Farm costs young drivers $1,422 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Dakota
State Farm gave the largest car insurance discounts to married couples, averaging $415 saved each year compared to an average South Dakota couple's premiums.
The cheapest car insurance in South Dakota for drivers with bad credit
The best South Dakota car insurance company for customer service
Nationwide was the best company for customer service in South Dakota according to the NAIC.
Recent price drops
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The cheapest large national provider in South Dakota
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average South Dakota driver can expect to pay about $111 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In South Dakota, USAA has the best prices for drivers with bad credit, drivers with a DUI conviction, good drivers, young drivers, drivers with accidents, drivers with speeding tickets, and married couples.Auto Insurance Prices in and Around South Dakota
What Influences the Cost of Car Insurance in South Dakota?
On average, car insurance in South Dakota is actually less expensive than the rest of the nation. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in South Dakota is 23 minutes, which is far less than average for a driver in the nation.
- South Dakota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in South Dakota are among the highest in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- South Dakota is one of the most densely populated areas in the nation. The state’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in South Dakota is $41 per month for minimum coverage and $151 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Nebraska: Insurance costs 25.32% less
- North Dakota: Insurance costs 25.65% less
- Minnesota: Insurance costs 5.28% less
- Iowa: Insurance costs 42.71% less
- Kansas: Insurance costs 10.02% less
- Wyoming: Insurance costs 10.40% less
- Wisconsin: Insurance costs 52.12% less
- Colorado: Insurance costs 31.21% more
- Missouri: Insurance costs 19.15% more
- Illinois: Insurance costs 16.13% less
States with Similar Populations
- California: Insurance costs 48.10% more
- Colorado: Insurance costs 31.21% more
- Connecticut: Insurance costs 37.53% more
- Delaware: Insurance costs 27.08% more
- District of Columbia: Insurance costs 37.64% more
- Florida: Insurance costs 156.36% more
- Georgia: Insurance costs 15.19% more
- Arkansas: Insurance costs 4.02% more
- New Jersey: Insurance costs 21.13% more
- Pennsylvania: Insurance costs 25.32% less