Compare Cheap Auto Insurance in South Dakota

• The average cost of full coverage auto insurance in South Dakota is $2,124 annually. Minimum coverage is $377 annually on average.
• State Farm is the cheapest provider in most categories, which made it one of our top picks for the best auto insurance providers in South Dakota. USAA is also cheap and has high customer satisfaction scores.
• Farmers Mutual, North Star Mutual, and American Family also have cheaper-than-average auto insurance rates for drivers in South Dakota.

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• Cheapest full coverage auto insurance in South Dakota: State Farm ($1,725 annually) and Farmers Mutual ($1,765 annually)
• Cheapest minimum coverage: USAA ($246 annually) and State Farm ($310 annually)
• Cheapest with a teen driver: USAA ($3,661 annually) and State Farm ($4,448 annually)
• Cheapest with a speeding ticket: State Farm ($1,356 annually) and USAA ($2,016 annually)
• Cheapest with an at-fault accident: State Farm ($1,754 annually) and Farmers Mutual ($2,386 annually)
• Cheapest with a DUI: State Farm ($2,220 annually) and Progressive ($2,256 annually)
• Cheapest with low credit: USAA ($3,048 annually) and GEICO ($3,384 annually)

When it comes to customer satisfaction, South Dakota drivers have a few key options to consider, with various providers offering different levels of service.

• USAA stands out as the leader in customer satisfaction in the Central region, receiving an impressive 759 score in J.D. Power’s Central Region Customer Satisfaction study. While USAA’s satisfaction score of 726 is slightly lower, USAA still maintains a strong showing overall. The insurer received a D+ grade on the CRASH Network Insurer Report Card, however, which signals there may be room for improvement in the claims area of service. It’s important to note that USAA is not officially ranked in the J.D. Power studies due to their limited availability; but among their smaller membership base, customers seem to appreciate the company’s customer service.
• North Star Mutual also is not ranked by J.D. Power, but the company received the best rating from the CRASH Network, making the Honor Roll on the latest Insurer Report Card. The high score indicates a good working relationship with repair shops in the regions they serve.
• State Farm, another popular choice, sits in the middle, with a 647 score for customer satisfaction and 710 for claims satisfaction. The company’s C- grade on the CRASH Network Insurer Report Card suggests there may be some variability in claims service, but the insurer remains a solid option for many drivers.

While customer satisfaction scores can vary across providers, USAA remains a top contender in South Dakota, if you’re eligible. Other insurance carriers, such as Farmers Mutual and State Farm, also provide strong options for drivers seeking reliable service.

Finding the cheapest auto insurance in South Dakota requires shopping around and comparing multiple quotes. Here are some key strategies to secure the best rates:

1. Compare quotes. Insurance rates can fluctuate based on market trends, your driving history, and even credit scores. Checking rates from different providers annually helps ensure you’re getting the best deal.
2. Take advantage of discounts. Many insurers offer discounts for things like bundling policies, maintaining a clean driving record, completing defensive driving courses, or having a good credit score.
3. Maintain a clean driving record. Avoiding speeding tickets, at-fault accidents, and DUIs will help keep your insurance rates lower over time.
4. Consider higher deductibles. Opting for a higher deductible can reduce your monthly premium, but it means paying more out-of-pocket in case of an accident. A $1,000 deductible often strikes a good balance, but ultimately it depends on your personal finances.
5. Improve your credit score. South Dakota insurers use credit scores to determine rates. Paying bills on time and reducing debt can lead to lower premiums.
6. Choose the right coverage level. While full coverage offers the best protection, drivers with older vehicles may consider switching to liability-only coverage to save money.

By following these steps, South Dakota drivers can find the most affordable auto insurance rates while maintaining the necessary coverage for their needs.

Auto insurance premiums vary across South Dakota cities. Overall, Brookings and Watertown are the most budget-friendly major cities for auto insurance in South Dakota, while Rapid City and Sioux Falls see higher premiums due to factors like population density.

Here is the minimum coverage required to be road-legal in South Dakota:

• $25,000 per person/$50,000 per accident in bodily injury liability
• $25,000 per accident in property damage liability
• $25,000 per person/$50,000 per accident in uninsured/underinsured motorist coverage⁵

We analyze average premiums in South Dakota for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible