Best Car Insurance in South Dakota for 2024

South Dakota offers many sites to explore by car, like Mount Rushmore, the Badlands, and the Black Hills. And while car insurance in South Dakota is generally cheaper than in other states, knowing where to find the best deal can help you save more without sacrificing coverage.

Key takeaways

• The best car insurance in South Dakota is State Farm, which costs $927 a year for comprehensive coverage.
• Drivers with a clean driving record pay an average of $107 monthly in South Dakota.
• Rapid City drivers typically pay the most in the state, an annual average of $1,797.

Best car insurance companies in South Dakota

State Farm and USAA generally have the best car insurance in South Dakota, with the lowest total and minimum coverage costs, respectively. Auto-Owners offers the most expensive full coverage insurance annually, averaging $1,726. However, Auto-Owners minimum coverage is the second cheapest on our list. Farmers has the highest minimum insurance cost, averaging $1,628 per year.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	890/1,000	$1,148/year	$188/year
American Family	837/1,000	$1,324/year	$362/year
State Farm	833/1,000	$927/year	$285/year
Auto-Owners	829/1,000	$1,726/year	$192/year
Allstate	829/1,000	$1,101/year	$397/year
Farmers	819/1,000	$1,628/year	$482/year
Progressive	803/1,000	$1,379/year	$424/year

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in South Dakota and has the cheapest minimum liability coverage, averaging just $188 annually. It provides standard coverages and some optional coverages like roadside assistance and rental reimbursement. While USAA is an excellent option, only current and former military members and their families can apply for USAA policies.

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm has the most affordable full coverage car insurance in South Dakota. Customers pay an average of $927 yearly for full coverage, and its minimum coverage costs an average of $285 annually. State Farm earned the third-highest customer satisfaction score in the state and offers many standard and optional coverages and a list of discounts to help you save more.

Get a quote now | State Farm review

Auto-Owners: Best budget pick

Auto-Owners may be a good option for those on a tight budget. It offers the cheapest minimum coverage available to the general public, costing a yearly average of $192. However, its full coverage was the most expensive option on our list, averaging $1,726 a year. Auto-Owners only provides quotes through independent agents but offers multiple policy options.

Get a quote now | Auto-Owners review

Allstate: Best for new cars

Allstate offers the second-best full coverage insurance pricing in South Dakota, averaging $1,101 per year. Its minimum coverage costs an average of $397 annually. Allstate tied fourth in customer satisfaction scores, but it has policies that specifically protect new cars, like loan/lease payoff, new car replacement, and repair provision coverages.

Get a quote now | Allstate review

Farmers: Best for coverage options

Farmers insurance offers the most expensive minimum liability coverage in South Dakota, costing an average of $482 annually. Its full coverage was the second-most expensive option behind Auto-Owners, costing an average of $1,628 per year. While you’ll likely pay more with Farmers, its extensive policy options could make it a good choice for some people.

Get a quote now | Farmers review

South Dakota auto insurance requirements

Most states require drivers to have a minimum amount of car insurance to drive legally. The minimum insurance requirements in South Dakota are:

• $25,000 in bodily injury liability for one person in an accident
• $50,000 in bodily injury liability for two or more people in an accident
• $25,000 in property damage liability
• $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage

How to choose a car insurance provider in South Dakota

If you’re researching a new car insurance provider, consider the following to help you get the best deal:

• Check financial stability: Use a website like Standard & Poor’s or AM Best to check each insurance company's financial rating. Confirm that the company is licensed in South Dakota by checking with the South Dakota Division of Insurance or the National Association of Insurance Commissioners (NAIC).
• Get multiple quotes: Compare pricing and coverage options from at least three companies and check that the coverage types, limits, and add-ons are similar for a more accurate comparison. Double check you are getting all of the discounts you qualify for.
• Search for reviews: Check websites like the Better Business Bureau to see how a company responds to and resolves customer issues. Ask friends and family for recommendations if you are new to an area.

How much does car insurance cost in South Dakota?

The average cost of car insurance in South Dakota is $1,284 per year for full coverage and $345 for the state’s minimum coverage.

Drivers in Rapid City generally pay the most for car insurance, an annual average of $1,797 for full coverage. Sioux Falls residents pay a yearly average of $1,406, the lowest in the state.

South Dakota car insurance rates by city

Cities with a high crime rate are likely to pay more for car insurance, especially when there’s a higher property crime rate, like vehicle theft. Analytics site NeighborhoodScout reports that Rapid City residents, who pay the most for car insurance in the state, have a one-in-28 chance of being the victim of a property crime like car theft.

Comparatively, drivers in Sioux Falls, who pay the least for car insurance, have a one-in-33 chance of being victimized by property crime.

City	Avg. annual full-coverage premium
Rapid City	$1,797/year
Yankton	$1,632/year
Watertown	$1,510/year
Aberdeen	$1,482/year
Brookings	$1,437/year
Sioux Falls	$1,406/year

Methodology

FAQs about car insurance costs in South Dakota