Farmers Mutual of Nebraska offers the most affordable minimum coverage in South Dakota at just $15 monthly and $184 annually. This rate is $194 less than the state's average annual cost. These rates are sourced from Quadrant Information Services and represent the cheapest options available in South Dakota as of December 2024. Read our research methodology to learn how we found the most affordable South Dakota car insurance.
Cheapest Car Insurance in South Dakota
Updated: December 17, 2024
Advertising & Editorial Disclosure
Key Takeaways
For December 2024, the cheapest car insurance companies in South Dakota include American Family, Farmers Mutual of Nebraska, Kemper, State Farm and Auto-Owners Insurance Co.
The lowest car insurance rates in South Dakota are $15 for minimum coverage from Farmers Mutual of Nebraska and $51 for full coverage from American Family.
On average, car insurance costs $31 for minimum coverage and $101 for full coverage in the state.
What is the Cheapest Car Insurance in South Dakota?
Cheapest Car Insurance Companies in South Dakota
American Family is the cheapest car insurance company for most drivers, with an average monthly cost of $36 for both state minimum and full coverage. This rate is $29 lower than the average in the state. Other affordable options include Farmers Mutual of Nebraska, Kemper, State Farm and Auto-Owners Insurance Co.
| American Family | $36 | $29 |
| Farmers Mutual of Nebraska | $36 | $29 |
| Kemper | $45 | $20 |
| State Farm | $55 | $9 |
| Auto-Owners Insurance Co | $57 | $7 |
We combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.
Best Car insurance Rates In South Dakota
American Family is the most affordable car insurance company in South Dakota for full coverage, and Farmers Mutual of Nebraska for minimum coverage. However, your rate may vary depending on your background. Check the table below for the best rates for different driver profiles.
| Minimum Coverage | Farmers Mutual of Nebraska | $15 |
| Full Coverage | American Family | $51 |
| Drivers With Bad Credit | Farmers Mutual of Nebraska | $17 |
| Drivers With a DUI | State Farm | $25 |
| Drivers With an Accident | Farmers Mutual of Nebraska | $22 |
| Drivers With a Speeding Ticket | Farmers Mutual of Nebraska | $18 |
Read More: Cheapest Car Insurance
Cheapest Minimum Coverage Car Insurance in South Dakota
Along with the cheapest rate offered by Farmers Mutual of Nebraska, American Family, State Farm and Kemper also offer cheap minimum liability coverage for drivers in the region. Use the table below to explore rates for similar companies with the best minimum coverage rates and compare them to the monthly state average of $31.
| Farmers Mutual of Nebraska | $15 | $16 |
| American Family | $20 | $11 |
| State Farm | $22 | $9 |
| Kemper | $23 | $9 |
| Progressive | $26 | $5 |
| Auto-Owners Insurance Co | $27 | $4 |
| GEICO | $29 | $2 |
Cheapest Full Coverage Car Insurance in South Dakota
American Family is the cheapest provider for full coverage auto insurance in South Dakota, averaging $51 per month or $614 per year, which is $47 less than the state average. Check the table below for more provider options.
| American Family | $51 | $47 |
| Farmers Mutual of Nebraska | $56 | $41 |
| Kemper | $66 | $32 |
| Allstate | $85 | $13 |
| Auto-Owners Insurance Co | $87 | $11 |
| State Farm | $89 | $9 |
Cheapest Car Insurance in South Dakota for Young Drivers
In South Dakota, young adult drivers find Farmers Mutual of Nebraska the most affordable. A 25-year-old can get a state minimum monthly policy for just $22.
| Farmers Mutual of Nebraska | $22 | $17 |
| American Family | $26 | $13 |
| State Farm | $27 | $12 |
| Progressive | $32 | $8 |
| Kemper | $33 | $6 |
| GEICO | $35 | $4 |
| Auto-Owners Insurance Co | $35 | $4 |
We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Young Drivers in South Dakota
For young drivers in South Dakota, Farmers Mutual of Nebraska often offers the cheapest state minimum coverage at $22 per month. American Family is a good option for full coverage at $63 monthly. While premiums vary based on factors like driving record, these companies provide a solid starting point for finding affordable rates.
| Farmers Mutual of Nebraska | Minimum Coverage | $22 |
| American Family | Full Coverage | $63 |
| Farmers Mutual of Nebraska | Drivers With Bad Credit | $22 |
| State Farm | Drivers With a DUI | $30 |
| Farmers Mutual of Nebraska | Drivers With an Accident | $30 |
| Farmers Mutual of Nebraska | Drivers With a Speeding Ticket | $24 |
Read More: Cheapest Car Insurance for Young Drivers
Cheapest Car Insurance in South Dakota for Seniors
Senior drivers in South Dakota can find affordable rates with Farmers Mutual of Nebraska. The average policy costs $15 monthly for minimum coverage.
| Farmers Mutual of Nebraska | $15 | $16 |
| State Farm | $21 | $10 |
| Kemper | $23 | $8 |
| American Family | $23 | $8 |
| Progressive | $26 | $5 |
| GEICO | $26 | $5 |
| Auto-Owners Insurance Co | $27 | $4 |
| Iowa Farm Bureau | $29 | $2 |
| Western National | $30 | $1 |
We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Seniors in South Dakota
Farmers Mutual of Nebraska offers the best rates for most senior driver needs in the Mount Rushmore State. For drivers with a DUI, State Farm has the cheapest. Your quote might differ, but the table below can help guide your car insurance shopping.
| Farmers Mutual of Nebraska | Minimum Coverage | $15 |
| Farmers Mutual of Nebraska | Full Coverage | $51 |
| Farmers Mutual of Nebraska | Drivers With Bad Credit | $15 |
| State Farm | Drivers With a DUI | $24 |
| Farmers Mutual of Nebraska | Drivers With an Accident | $20 |
| Farmers Mutual of Nebraska | Drivers With a Speeding Ticket | $17 |
Read More: Cheapest Car Insurance for Seniors
Cheap Auto Insurance for High-Risk Drivers in South Dakota
South Dakota drivers with a DUI, at-fault accident or speeding ticket are seen as high-risk by insurers and generally pay more for car insurance compared to those with a clean record. Average premiums for high-risk drivers depend on the offense. Below are the best rates for those with a DUI, at-fault accident and speeding ticket.
Cheapest Car Insurance in South Dakota With a DUI
State Farm offers the best rates for South Dakota drivers with DUIs, averaging $25 per month ($301 per year) for minimum coverage insurance. Please check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in South Dakota.
| State Farm | $25 | $32 |
| American Family | $27 | $30 |
| Progressive | $30 | $28 |
| Western National | $30 | $27 |
| Farmers Mutual of Nebraska | $31 | $27 |
We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in South Dakota With an Accident
With rates averaging $22 per month ($265 per year), Farmers Mutual of Nebraska is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable coverage for drivers with accidents on their records. Rates are for minimum coverage policies.
| Farmers Mutual of Nebraska | $22 | $24 |
| State Farm | $27 | $18 |
| American Family | $28 | $18 |
| Western National | $30 | $16 |
| Kemper | $36 | $9 |
| Auto-Owners Insurance Co | $37 | $9 |
| Progressive | $44 | $2 |
We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in South Dakota With a Speeding Ticket
Farmers Mutual of Nebraska offers the cheapest insurance for drivers with a speeding ticket, with rates averaging $18 per month. Check the table below to compare providers offering minimum coverage for drivers with a speeding ticket.
| Farmers Mutual of Nebraska | $18 | $19 |
| State Farm | $25 | $12 |
| American Family | $27 | $10 |
| Kemper | $28 | $9 |
| Western National | $30 | $7 |
| Auto-Owners Insurance Co | $31 | $7 |
| Progressive | $33 | $4 |
| GEICO | $35 | $2 |
We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in South Dakota for Drivers With Bad Credit
Farmers Mutual of Nebraska offers the cheapest car insurance provider for drivers with poor credit scores, with monthly rates at $17 and annual rates at $217. Review the table below for more options from other providers.
| Farmers Mutual of Nebraska | $17 | $36 |
| American Family | $23 | $30 |
| Western National | $30 | $23 |
| Iowa Farm Bureau | $40 | $13 |
| Progressive | $43 | $10 |
| Kemper | $46 | $6 |
| GEICO | $48 | $4 |
These rates are based on a 40-year-old driver with bad credit and a clean driving record.
Cheapest Car Insurance in South Dakota by City
Your location matters a lot when it comes to car insurance costs. Even in the same state, prices vary between cities because of factors like the number of people who live there, flood risks and crime. For instance, Farmers Mutual of Nebraska charges $22 monthly for minimum coverage in Sioux Falls.
| Sioux Falls | Farmers Mutual of Nebraska | $22 |
The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.
Cheapest Home and Auto Insurance in South Dakota
For affordable bundle home and auto insurance in South Dakota, State Farm leads at $2,559. Check the table below for more cost-effective companies.
| State Farm | $2,559 |
| Farmers | $2,579 |
| Allstate | $2,848 |
Rates are for a 40-year-old driver with good credit and no driving violations
How Much Does Car Insurance Cost in South Dakota?
In South Dakota, the monthly average cost for full coverage car insurance is $101, while state minimum coverage is $31. By understanding the average cost of car insurance in South Dakota, you can assess if your current insurance deal is favorable.
South Dakota Car Insurance Cost by City
In South Dakota, car insurance rates vary by city. See the table for the average minimum and full coverage costs for Sioux Falls.
| Sioux Falls | $39 | $95 |
Is Car Insurance in South Dakota Expensive?
Car insurance in South Dakota ranks 39th in expense compared to other states, making it more affordable for residents. Its affordability can be attributed to factors like low population density, fewer natural disasters and a lower rate of vehicle thefts.
South Dakota Car Insurance Minimum Requirements
Under South Dakota law, drivers must have car insurance policies meeting the state's minimum coverage limits. These include $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage per accident.
If you finance or lease your car, you'll usually need comprehensive and collision insurance in addition to the state minimum coverages. While a state minimum auto insurance policy is the most affordable option, it provides the least financial protection. For greater security, experts suggest opting for full coverage insurance with the highest deductible and liability limits you can comfortably afford.
Bodily Injury Liability
This coverage pays for injuries you cause to others in an accident. The state requires a minimum of $25,000 per person and $50,000 per accident. It helps cover medical expenses and legal fees if you're at fault.
Property Damage Liability
This covers damage you cause to someone else's property. The state mandates a minimum of $25,000 per accident. It helps pay for repairs or replacement of the damaged property.
Uninsured/Underinsured
This coverage protects you if a driver without insurance or not enough coverage hits you. The state requires $25,000 per person and $50,000 per accident. It helps cover your medical bills and damages.
Drivers with serious traffic violations like speeding or DUI may need to file for SR-22 insurance, which can increase your premium costs. In South Dakota, either you or your insurance company can submit the SR-22 form. It's valid for three years from your most recent offense.
Alternative Ways to Satisfy South Dakota Car Insurance Requirements
A $50,000 surety bond is the most common car insurance alternative in South Dakota. It acts as a financial guarantee, satisfying the state's car insurance requirements by covering damages caused by the driver.
For business owners, self-insurance is an option. This involves proving financial capability to cover potential damages. A certificate from the state is needed to show adequate funds, offering flexibility in fulfilling insurance obligations.
How Much Car Insurance Should I Get in South Dakota?
MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision and comprehensive coverage. We recommend the following liability limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage pays for off-road damage to your car if it's stolen, vandalized or damaged by something other than a collision, like severe weather or a fire. Collision coverage pays for damage to your car in an on-road collision.
If you own a valuable car, MoneyGeek suggests purchasing comprehensive and collision insurance, even though it's not legally required. You should tailor your deductible for comprehensive and collision coverage to what you can afford to pay out of pocket before your insurance covers the rest.
Cheap Car Insurance in South Dakota: Bottom Line
American Family has the lowest rates for full coverage in South Dakota at $51, while Farmers Mutual of Nebraska is the cheapest for state minimum at $15. Affordable car insurance can be tempting, but it might not cover all your needs. Experts suggest choosing the most coverage you can afford.
Cheap Car Insurance in South Dakota: FAQ
MoneyGeek provides answers to common questions about affordable car insurance in South Dakota. We help you find the right coverage that fits your needs, ensuring you understand your options for the cheapest plans available.
What are the cheapest car insurance companies in South Dakota?
In South Dakota, American Family provides full coverage car insurance starting at $51 per month. Farmers Mutual of Nebraska offers monthly plans for $15 for drivers looking for minimum coverage.
Who has the cheapest car insurance rates for young drivers in South Dakota?
Young drivers in South Dakota can find the lowest car insurance rates with Farmers Mutual of Nebraska, averaging $22 monthly. This rate is $17 less than the state's average.
Who offers the cheapest car insurance rates for seniors in South Dakota?
Seniors in South Dakota can benefit from Farmers Mutual of Nebraska's affordable car insurance, which costs about $15 per month. This rate is $16 below the state average.
Should you buy the cheapest car insurance available in South Dakota?
Opting for the least expensive car insurance might seem smart, but it's essential to ensure adequate coverage. American Family combines affordability with good service, making it a top choice for the best car insurance in South Dakota. Farmers Mutual of Nebraska also offers minimum coverage at a low cost, balancing savings with necessary protection.
How much does car insurance in South Dakota cost, on average?
On average, full coverage car insurance in South Dakota costs $101 per month, while minimum coverage is $31.
What are car insurance requirements in South Dakota?
South Dakota requires drivers to have minimum auto insurance coverage, including $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability per accident. Uninsured/underinsured motorist coverage is also required at $25,000 per person and $50,000 per accident.
Affordable Car Insurance in South Dakota: How We Found the Best Cheap Rates
MoneyGeek obtained South Dakota auto insurance rates from the South Dakota Department of Insurance and Quadrant Information Services. We examined 16,221 auto insurance quotes from 13 providers across 12 ZIP codes to determine the most affordable car insurance companies in South Dakota.
South Dakota Driver Profile
We used a driver profile with the following background information to identify the cheapest auto insurance companies in South Dakota:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model and military service where specified.
Standard Coverage Levels in South Dakota
We compared South Dakota car insurance companies that offer minimum and full coverage policies. The minimum coverage liability limits in South Dakota are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Home and Auto Coverage Levels in South Dakota
MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.