Best Cheap Car Insurance in South Dakota for 2021

Find the best auto insurance in South Dakota: Compare car insurance companies to get the cheapest insurance quotes.

Andrew MarderDecember 9, 2020
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If you want cheap car insurance in South Dakota, compare as many prices as you can. Car insurance rates depend on many factors, including the insurer, your driving history, age and credit history.

To help you find the most competitive prices for your situation, NerdWallet gathered rates from 15 insurers in the state and found the five cheapest options for several driver profiles.

Cheapest for 20-year-old drivers in South Dakota

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage in South Dakota for 20-year-olds

Drivers in South Dakota with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $1,559 per year.

  2. American Family: $1,768 per year.

  3. State Farm: $2,076 per year.

  4. North Star: $2,808 per year.

  5. Farm Bureau Financial Services: $2,809 per year.

Cheapest minimum coverage in South Dakota for 20-year-olds

Drivers in South Dakota who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $339 per year.

  2. North Star: $426 per year.

  3. State Farm: $524 per year.

  4. Progressive: $605 per year.

  5. Allstate: $623 per year.

Cheapest coverage for 20-year-olds with poor credit in South Dakota

Drivers with poor credit in South Dakota should look at the following insurers with the lowest average rates for minimum coverage:

  1. Farmers Mutual of Nebraska: $487 per year.

  2. North Star: $709 per year.

  3. Allstate: $810 per year.

  4. Progressive: $926 per year.

  5. Farmers: $1,046 per year.

Cheapest for 20-year-old drivers with one at-fault crash in South Dakota

For drivers with a recent accident in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. Farmers Mutual of Nebraska: $472 per year.

  2. North Star: $658 per year.

  3. State Farm: $688 per year.

  4. Progressive: $715 per year.

  5. American Family: $761 per year.

Cheapest insurance for 20-year-old drivers after a DUI in South Dakota

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Progressive: $646 per year.

  2. Farmers Mutual of Nebraska: $671 per year.

  3. Western National: $795 per year.

  4. State Farm: $820 per year.

  5. American Family: $890 per year.

Cheapest for 30-year-old drivers in South Dakota

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in South Dakota for 30-year-olds

Drivers in South Dakota with clean driving records may get the lowest rates from these companies:

  1. Farmers Mutual of Nebraska: $966 per year.

  2. State Farm: $1,110 per year.

  3. American Family: $1,258 per year.

  4. North Star: $1,459 per year.

  5. Farmers: $1,593 per year.

Cheapest minimum coverage in South Dakota for 30-year-olds

Drivers in South Dakota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $177 per year.

  2. North Star: $201 per year.

  3. State Farm: $236 per year.

  4. Auto-Owners: $258 per year.

  5. Western National: $323 per year.

Cheapest coverage for 30-year-olds with poor credit in South Dakota

Drivers with poor credit in South Dakota should consider the following companies with the lowest average rates for full coverage:

  1. Farmers Mutual of Nebraska: $1,397 per year.

  2. American Family: $2,087 per year.

  3. Allstate: $2,331 per year.

  4. State Farm: $2,376 per year.

  5. Farmers: $2,400 per year.

Cheapest for 30-year-old drivers with one at-fault crash in South Dakota

For drivers in South Dakota with a recent accident, here are the lowest average rate options for full coverage:

  1. American Family: $1,258 per year.

  2. Farmers Mutual of Nebraska: $1,265 per year.

  3. State Farm: $1,363 per year.

  4. Western National: $1,881 per year.

  5. Auto-Owners: $2,041 per year.

Cheapest insurance for 30-year-old drivers after a DUI in South Dakota

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. State Farm: $1,525 per year.

  2. American Family: $1,533 per year.

  3. Western National: $1,881 per year.

  4. Farmers Mutual of Nebraska: $1,919 per year.

  5. Farmers: $2,059 per year.

Cheapest for 40-year-old drivers in South Dakota

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in South Dakota for 40-year-olds

Drivers in South Dakota with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $882 per year.

  2. State Farm: $1,073 per year.

  3. American Family: $1,180 per year.

  4. North Star: $1,459 per year.

  5. Farmers: $1,531 per year.

Cheapest minimum coverage in South Dakota for 40-year-olds

Drivers in South Dakota who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $165 per year.

  2. North Star: $201 per year.

  3. State Farm: $238 per year.

  4. Auto-Owners: $278 per year.

  5. Western National: $310 per year.

Cheapest coverage for 40-year-olds with poor credit in South Dakota

Drivers with poor credit in South Dakota can check out the following insurers with the lowest average rates for full coverage:

  1. Farmers Mutual of Nebraska: $1,278 per year.

  2. American Family: $1,947 per year.

  3. State Farm: $2,295 per year.

  4. Farmers: $2,312 per year.

  5. Allstate: $2,331 per year.

Cheapest for 40-year-old drivers with one at-fault crash in South Dakota

For drivers with a recent accident living in South Dakota, here are the companies with the lowest average rates for full coverage:

  1. Farmers Mutual of Nebraska: $1,154 per year.

  2. American Family: $1,180 per year.

  3. State Farm: $1,319 per year.

  4. Western National: $1,805 per year.

  5. Auto-Owners: $2,032 per year.

Cheapest insurance for 40-year-old drivers after a DUI in South Dakota

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. American Family: $1,439 per year.

  2. State Farm: $1,478 per year.

  3. Farmers Mutual of Nebraska: $1,756 per year.

  4. Western National: $1,805 per year.

  5. Progressive: $1,911 per year.

Cheapest for 50-year-old drivers in South Dakota

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in South Dakota for 50-year-olds

Drivers in South Dakota with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $810 per year.

  2. State Farm: $1,027 per year.

  3. American Family: $1,105 per year.

  4. North Star: $1,272 per year.

  5. Farm Bureau Financial Services: $1,362 per year.

Cheapest minimum coverage in South Dakota for 50-year-olds

Drivers in South Dakota who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Farmers Mutual of Nebraska: $155 per year.

  2. North Star: $178 per year.

  3. State Farm: $236 per year.

  4. Auto-Owners: $250 per year.

  5. Farm Bureau Financial Services: $267 per year.

Cheapest coverage for 50-year-olds with poor credit in South Dakota

Drivers with poor credit in South Dakota can check with the following companies, which showed the lowest average rates for full coverage:

  1. Farmers Mutual of Nebraska: $1,173 per year.

  2. American Family: $1,819 per year.

  3. North Star: $2,106 per year.

  4. Farmers: $2,119 per year.

  5. State Farm: $2,197 per year.

Cheapest for 50-year-old drivers with one at-fault crash in South Dakota

For drivers living in South Dakota with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Farmers Mutual of Nebraska: $1,055 per year.

  2. American Family: $1,105 per year.

  3. State Farm: $1,267 per year.

  4. Western National: $1,600 per year.

  5. Auto-Owners: $1,854 per year.

Cheapest insurance for 50-year-old drivers after a DUI in South Dakota

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. American Family: $1,347 per year.

  2. State Farm: $1,424 per year.

  3. Western National: $1,600 per year.

  4. Farmers Mutual of Nebraska: $1,609 per year.

  5. Progressive: $1,734 per year.

Cheapest for 65-year-old drivers in South Dakota

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in South Dakota for 65-year-olds

Drivers in South Dakota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $704 per year.

  2. State Farm: $934 per year.

  3. American Family: $1,092 per year.

  4. Farm Bureau Financial Services: $1,261 per year.

  5. Farmers: $1,270 per year.

Cheapest minimum coverage in South Dakota for 65-year-olds

Drivers in South Dakota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Farmers Mutual of Nebraska: $147 per year.

  2. North Star: $178 per year.

  3. State Farm: $225 per year.

  4. Farm Bureau Financial Services: $264 per year.

  5. Auto-Owners: $279 per year.

Cheapest coverage for 65-year-olds with poor credit in South Dakota

Drivers with poor credit in South Dakota can look at the following companies with the lowest average rates for full coverage:

  1. Farmers Mutual of Nebraska: $1,020 per year.

  2. American Family: $1,815 per year.

  3. Farmers: $1,931 per year.

  4. State Farm: $1,994 per year.

  5. North Star: $2,106 per year.

Cheapest for 65-year-old drivers with one at-fault crash in South Dakota

For drivers with a recent accident living in South Dakota, here are the companies with the lowest average rates for full coverage:

  1. Farmers Mutual of Nebraska: $927 per year.

  2. American Family: $1,092 per year.

  3. State Farm: $1,157 per year.

  4. Farm Bureau Financial Services: $1,756 per year.

  5. Auto-Owners: $1,786 per year.

Cheapest insurance for 65-year-old drivers after a DUI in South Dakota

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. State Farm: $1,305 per year.

  2. American Family: $1,345 per year.

  3. Farmers Mutual of Nebraska: $1,402 per year.

  4. Progressive: $1,717 per year.

  5. Western National: $1,787 per year.

Cheapest for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 33 of the 40 driver profiles we examined.

Minimum required auto insurance in South Dakota

South Dakota car insurance policies must include liability insurance and uninsured/underinsured motorist bodily injury coverage with at least the following limits:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per crash.

  • $25,000 property damage liability per crash.

  • $25,000 uninsured/underinsured liability per person.

  • $50,000 uninsured/underinsured liability per crash.

Check out NerdWallet’s guide to minimum car insurance requirements by state for details on how these coverages work, plus information on other options you might want, such as collision and comprehensive coverage.

Alternative car insurance for high-risk drivers

If you have multiple crashes, poor credit or other insurance red flags, you could have trouble buying a policy on the voluntary market. As an alternative option, you can seek coverage through the South Dakota Automobile Insurance Plan.

For more help finding cheap car insurance in South Dakota, try NerdWallet's car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Methodology

For our “good driver” profile, NerdWallet averaged rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

If required, minimum additional coverages were added and "good driver" discounts were automatically applied. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. We used a 2016 Toyota Camry LE for all single drivers. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

  • For drivers with a DUI, we added a single drunken driving violation.

Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.

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