South Dakota’s lowest car insurance 2023

Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

South Dakota, from Mount Rushmore to Badlands is a great place for dirt-kicking.

Could you be saving money on your car insurance? We compared the estimated car insurance rates of several South Dakota drivers and determined the average car insurance cost and the best-priced insurers.

To evenly compare the rates of minimum coverage, we used a neutral driver profile (e.g., one with no tickets, accidents or claims). Your driving record and other factors that impact car insurance such as your vehicle type, mileage, and age can all affect your rates.

Continue reading to find out about South Dakota’s average auto insurance rates. We also have our findings on the best basic coverage options.

Car insurance costs in South Dakota

The average monthly premium for basic car insurance in South Dakota is just over $25. It can go up to $50 depending on what type of coverage you choose and who the driver is.

Monthly average auto insurance premiums in South Dakota

Driver and coverage	Avg. Monthly cost
South Dakota has a minimum state-required car insurance	$25.09
South Dakota drivers with bad credit	$47.26
South Dakota drivers with multiple claims	$49.58
Young drivers in South Dakota	$38.90

The cheapest South Dakota car insurance companies

We found that the minimum coverage rates offered by Auto-Owners insurance were the lowest for several South Dakota driver profiles. To ensure that all insurers are equally evaluated and to give drivers an accurate picture of the average cost of insurance, the following rates have been calculated using a South Dakota driver profile. Except where noted, the driver characteristics include a credit score of 680-719, a car worth between $20,000-$30,000, a driver aged 36-45, no tickets, and no coverage gaps. Rates may vary depending on your situation.

1. Auto-Owners insurance

Auto-Owners may be able to offer South Dakota drivers basic coverage for as low $17.88 per monthly. Independent agents can sell car insurance from Auto-Owners. Additional optional coverages include collision, comprehensive, uninsured/underinsured motorist, bodily injury and property damage liability, medical payments, personal injury protection and more. Additional benefits include common loss deductible, rental vehicle coverage, and waiver of deductible in the event you are involved in an auto-owners-insured accident.

See reviews about Auto-Owners auto coverage.

2. USAA

Our South Dakota driver profile can find basic coverage for as low $18.99 per monthly with USAA. USAA membership is required in order to qualify for car insurance. This includes military personnel and their spouses, as well as children and grandchildren of USAA members. USAA offers optional upgrades like collision, comprehensive and uninsured/underinsured motorist coverages. Drivers may also save money by bundling policies or storing their vehicle on base.

Review USAA auto insurance.

3. Farmers Mutual of Nebraska

Farmers Mutual of Nebraska could offer basic-coverage insurance rates starting at $19 per month for a South Dakota driver profile. Farmers Mutual provides liability, medical payments, collision, comprehensive, and uninsured/underinsured motorist insurance through independent agents. Drivers may also be eligible for discounts for multiple policies or vehicles, and certain safety features.

4. Geico

Geico could offer minimum coverage for our South Dakota driver for as low as $21.50 per monthly. Geico offers drivers a wide variety of coverage options. There are also discounts available for safe driving, customer loyalty and having certain safety equipment. Driver education courses can also be taken with Geico. Geico’s mobile app is a great option for tech-oriented drivers. They can access their policies, their ID cards, request roadside help, and even get a quote.

See reviews about Geico auto insurance.

5. North Star

Our South Dakota driver profile may be eligible for North Star car insurance rates as low as $21.67 per month for basic coverage. North Star offers additional coverage options like property damage, medical payments and personal injury protection, plus extra add-ons, including comprehensive, collision, uninsured/underinsured motorists, rental reimbursement, towing, customization and safety glass coverage.

The cheapest state-minimum auto insurance in South Dakota

Many states have a minimum requirement for liability insurance. South Dakota drivers must have 25/50/25 insurance. This is the most affordable and robust option.

These are the five most affordable car insurance companies in South Dakota for drivers who need minimum coverage.

The cheapest South Dakota car insurance companies for state-minimum coverage

1	Auto-Owners Insurance	$17.88/month
2	USAA	$18.99/month
3	Farmers Mutual of Nebraska	$19.00/month
4	Geico	$21.50/month
5	North Star	$21.67/month

Best car insurance for people with good credit in South Dakota

Credit is one of the factors that insurance companies consider when deciding the price of car insurance. Car insurance is generally cheaper for drivers with better credit ratings.

These companies might offer basic-coverage insurance that is affordable for drivers with good credit.

The cheapest South Dakota car insurance companies for people with good credit

1	Auto-Owners Insurance	$13.06/month
2	USAA	$16.21/month
3	State Farm	$16.42/month
4	Farmers Mutual of Nebraska	$17.67/month
5	Western National	$18.17/month

Lowest Car Insurance for Poor Credit in South Dakota

Lower credit scores are likely to have higher car insurance premiums. However, there are other factors that can lower your premiums such as a clean driving record.

These companies offer the lowest rates of minimum coverage for drivers who have poor credit.

The cheapest South Dakota car insurance companies for people with bad credit

1	Geico	$26.11/month
2	Farmers Mutual of Nebraska	$27.17/month
3	Nationwide	$29.79/month
4	USAA	$33.87/month
5	North Star	$34.50/month

Cheapest car Insurance for Drivers with Multiple Claims in South Dakota

Your driving record is another factor that influences the cost of car insurance. Car insurance costs are generally higher for drivers who have had multiple accidents than for those who have clean records.

These are the five insurance companies that offer South Dakota drivers basic coverage and multiple claims.

Five of the cheapest South Dakota car insurance companies for multiple claims

1	Western National	$27.50/month
2	North Star	$27.83/month
3	Auto-Owners Insurance	$30.04/month
4	Farmers Mutual of Nebraska	$38.83/month
5	State Farm	$42.08/month

Cheapest insurance for young drivers in South Dakota

Your age can also have an effect on the price of your car insurance. Younger drivers are more costly to insure.

These companies offer basic coverage for drivers aged 18-21 at the lowest rates.

Top 5 South Dakota car insurance companies for young drivers

1	North Star	$29.17/month
2	Auto-Owners Insurance	$29.52/month
3	Farmers Mutual of Nebraska	$29.67/month
3	Geico	$31.83/month
5	Farm Bureau Mutual (IA Group)	$35.71/month

South Dakota auto insurance requirements

South Dakota drivers must have liability insurance that covers $25,000 per person, $50,000 per accident for bodily injuries, and $25,000 for property damage. Uninsured motorist coverage must also be in place. Your coverage obligations may be greater if you have a car lease or loan.

South Dakota has usage-based insurance.

Usage-based insurance allows customers to pay premiums according to their driving habits. South Dakota drivers might be eligible to use their insurer’s UBI program to save money and track their safe driving habits.

FAQs regarding the lowest car insurance rates in South Dakota

Methodology

Based on a profile of a South Dakota driver between 36 and 45, the rates for basic coverage are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no coverage lapses. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and is in good condition. Rates for insurance for good credit are based on scores of 720 and higher. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those between 18 and 21 years old. Multiple claims can lead to multiple rates.

Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and are not intended to be used as a comparison or frame of reference. Rates can vary depending on many factors such as your age, driving habits, and past.

Full coverage car insurance covers bodily injury, property damages, collision, and comprehensive coverages. The South Dakota-mandated 25/50/25 policy is included in the average monthly premium for minimum car insurance.