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In South Dakota, some of the most affordable car insurance providers include State Farm, Farmers, and Auto-Owners.
Full-coverage car insurance in South Dakota averages $158 per month. The national average sits at $186. Your actual premium depends on factors like age, driving history, and where you live. The most effective way to find your rate is to compare quotes from several insurance companies.
We've broken down South Dakota's cheapest car insurance options by coverage type, driver profile, and provider below.
Affordable full-coverage car insurance in South Dakota
In South Dakota, full-coverage insurance averages $158 monthly compared to the national average of $186. Among the state's cheapest car insurance providers, State Farm, Farmers, and Auto-Owners stand out.
| Average monthly full coverage cost | |
| South Dakota average | $158 |
| National average | $186 |
| State Farm | $101 |
| Farmers | $114 |
| Auto-Owners | $117 |
| American Family | $121 |
Affordable liability-only car insurance in South Dakota
For drivers seeking most affordable liability car insurance providers in South Dakota, State Farm, Farmers, and Auto-Owners offer competitive options.
Liability-only coverage in South Dakota costs an average of $67 monthly, compared to $104 nationally.
| Average monthly liability-only cost | |
| South Dakota average | $67 |
| National average | $104 |
| State Farm | $45 |
| Farmers | $50 |
| Auto-Owners | $52 |
| American Family | $53 |
Cheap car insurance in South Dakota by age
Age significantly impacts insurance costs. Car insurance for teens tends to carry the steepest rates, averaging $343 monthly in South Dakota due to limited driving experience.
Premiums drop as drivers enter their 20s, averaging $193 per month. Costs continue declining through the 30s and 40s, with monthly averages around $170 and $170, respectively.
Rates can climb again for drivers in their 60s and beyond. South Dakota seniors pay around $141 monthly in their 60s and $152 in their 70s.
These age-related premium shifts reflect varying risk levels, with younger drivers considered higher risk and older drivers sometimes facing increased rates due to health-related factors and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $343 | $146 |
| 20s | $193 | $82 |
| 30s | $170 | $72 |
| 40s | $170 | $73 |
| 50s | $148 | $63 |
| 60s | $141 | $60 |
| 70s | $152 | $65 |
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Cheap car insurance in South Dakota for high-risk drivers
Drivers with violations or accidents on their record typically face higher premiums. Below are South Dakota's average costs for drivers with an accident, speeding ticket, or DUI, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $207 | $88 |
| Speeding ticket | $202 | $86 |
| DUI | $208 | $88 |
Compare low-cost car insurance after an accident
For South Dakota drivers with an accident on their record, State Farm, Farmers, and Auto-Owners provide affordable coverage options. Full-coverage premiums for drivers with an accident average $207 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $130 | $59 |
| Farmers | $148 | $65 |
| Auto-Owners | $151 | $67 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Drivers with a speeding ticket in South Dakota can find affordable coverage through State Farm, Farmers, and Auto-Owners. Full coverage for those with a speeding violation averages $202 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $127 | $57 |
| Farmers | $145 | $64 |
| Auto-Owners | $151 | $67 |
Compare low-cost car insurance after DUI conviction
South Dakota drivers with a DUI can find reasonably priced full coverage through State Farm, Farmers, and Auto-Owners. Average full coverage for drivers with a DUI is $208.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $140 | $63 |
| Farmers | $157 | $69 |
| Auto-Owners | $162 | $72 |
Cheap car insurance in South Dakota by credit score
South Dakota drivers with excellent credit pay around $135 monthly. Drivers with poor credit face steeper premiums, starting at $182 per month.
This rate gap reflects how insurers use credit scores in pricing, with poor credit often leading to higher premiums due to perceived financial risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $135 | $57 |
| Good | $151 | $64 |
| Average | $162 | $69 |
| Poor | $182 | $78 |
FAQs
What makes car insurance rates vary so much between South Dakota cities?
Geographic location within South Dakota dramatically impacts your car insurance rates due to varying risk factors in different regions. Factors driving these differences include local auto theft rates, traffic density, and proximity to major highways. Rural communities generally benefit from lower rates due to reduced accident frequency, while cities like Rapid City and Sioux Falls see higher premiums because of increased traffic volume and collision risks.
Is South Dakota a no-fault or at-fault insurance state?
South Dakota operates under an at-fault insurance system, which means the driver who causes an accident is financially responsible for resulting injuries and property damage through their liability coverage. This differs from no-fault states where each driver's insurance covers their own damages regardless of who caused the accident. Under South Dakota's at-fault system, if you're found responsible for a collision, your bodily injury and property damage liability coverage will pay for the other party's expenses up to your policy limits. This system also means accident victims can pursue claims against the at-fault driver's insurance company.
What unique coverage does South Dakota require beyond basic liability?
South Dakota is one of the few states that mandates uninsured and underinsured motorist bodily injury coverage in addition to standard liability insurance. This requirement means you must carry at least 25,000 dollars per person and 50,000 dollars per accident in uninsured motorist coverage to protect yourself if you're hit by a driver without insurance or with inadequate coverage. This mandatory protection is particularly valuable given that even though South Dakota has low uninsured driver rates compared to other states, accidents with underinsured drivers can still leave you vulnerable to out-of-pocket medical expenses without this coverage.
Bottom line
These may be South Dakota's cheapest insurers overall, but they might not offer the best rate for your specific situation. Your best approach is to gather quotes from multiple providers and compare them on both price and service quality.
Data throughout provided by Insurify.
Average rate:
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