The Cheapest Car Insurance in South Dakota for 2023

Kemper offers the cheapest car insurance in South Dakota, with an average monthly rate of $80 for full coverage.
Ben Moore
By Ben Moore 

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Auto insurance is an important purchase, but finding cheap car insurance in South Dakota isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in South Dakota is Kemper at $962 per year on average, or $80 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in South Dakota. Meanwhile, the average cost of full coverage car insurance in South Dakota is $1,593 per year, or about $133 per month.

Minimum coverage in South Dakota is $318 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in South Dakota at $184 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in South Dakota

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in South Dakota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in South Dakota. For full coverage, we used the below 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in South Dakota where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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 car insurance 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. Kemper: $2,079 per year, or about $173 per month.

  2. American Family: $2,182 per year, or about $182 per month.

  3. Farmers Mutual of Nebraska: $2,200 per year, or about $183 per month.

  4. Farm Bureau Financial Services: $2,325 per year, or about $194 per month.

  5. State Farm: $2,389 per year, or about $199 per month.

Cheapest minimum coverage car insurance 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: $430 per year, or about $36 per month.

  2. North Star: $486 per year, or about $40 per month.

  3. State Farm: $534 per year, or about $44 per month.

  4. Auto-Owners: $567 per year, or about $47 per month.

  5. Progressive: $570 per year, or about $48 per month.

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

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: $621 per year, or about $52 per month.

  2. Allstate: $807 per year, or about $67 per month.

  3. North Star: $807 per year, or about $67 per month.

  4. Progressive: $886 per year, or about $74 per month.

  5. Farm Bureau Financial Services: $1,056 per year, or about $88 per month.

Cheapest auto insurance in South Dakota for 20-year-old drivers with one speeding ticket

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

  1. Farmers Mutual of Nebraska: $469 per year, or about $39 per month.

  2. State Farm: $617 per year, or about $51 per month.

  3. Progressive: $648 per year, or about $54 per month.

  4. Allstate: $690 per year, or about $58 per month.

  5. Farm Bureau Financial Services: $716 per year, or about $60 per month.

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

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

  1. North Star: $556 per year, or about $46 per month.

  2. Farmers Mutual of Nebraska: $598 per year, or about $50 per month.

  3. Progressive: $694 per year, or about $58 per month.

  4. State Farm: $694 per year, or about $58 per month.

  5. Auto-Owners: $779 per year, or about $65 per month.

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

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

  1. Progressive: $617 per year, or about $51 per month.

  2. State Farm: $817 per year, or about $68 per month.

  3. Farmers Mutual of Nebraska: $852 per year, or about $71 per month.

  4. Western National: $885 per year, or about $74 per month.

  5. Allstate: $986 per year, or about $82 per month.

Cheapest for 30-year-old drivers

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 car insurance 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. Kemper: $945 per year, or about $79 per month.

  2. State Farm: $1,072 per year, or about $89 per month.

  3. Farmers Mutual of Nebraska: $1,369 per year, or about $114 per month.

  4. Farm Bureau Financial Services: $1,385 per year, or about $115 per month.

  5. American Family: $1,431 per year, or about $119 per month.

Cheapest minimum coverage car insurance 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. State Farm: $185 per year, or about $15 per month.

  2. Auto-Owners: $222 per year, or about $18 per month.

  3. Farmers Mutual of Nebraska: $223 per year, or about $19 per month.

  4. North Star: $249 per year, or about $21 per month.

  5. Kemper: $267 per year, or about $22 per month.

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

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

  1. Kemper: $1,125 per year, or about $94 per month.

  2. Farmers Mutual of Nebraska: $1,981 per year, or about $165 per month.

  3. Allstate: $2,221 per year, or about $185 per month.

  4. American Family: $2,429 per year, or about $202 per month.

  5. Farm Bureau Financial Services: $2,624 per year, or about $219 per month.

Cheapest auto insurance in South Dakota for 30-year-old drivers with one speeding ticket

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

  1. State Farm: $214 per year, or about $18 per month.

  2. Farmers Mutual of Nebraska: $244 per year, or about $20 per month.

  3. North Star: $285 per year, or about $24 per month.

  4. Western National: $288 per year, or about $24 per month.

  5. Auto-Owners: $307 per year, or about $26 per month.

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

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

  1. State Farm: $1,298 per year, or about $108 per month.

  2. Kemper: $1,716 per year, or about $143 per month.

  3. American Family: $1,751 per year, or about $146 per month.

  4. Farmers Mutual of Nebraska: $1,789 per year, or about $149 per month.

  5. Western National: $1,898 per year, or about $158 per month.

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

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

  1. State Farm: $1,433 per year, or about $119 per month.

  2. American Family: $1,736 per year, or about $145 per month.

  3. Western National: $1,898 per year, or about $158 per month.

  4. Progressive: $2,295 per year, or about $191 per month.

  5. Allstate: $2,539 per year, or about $212 per month.

Cheapest for 40-year-old drivers

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 car insurance 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. Kemper: $927 per year, or about $77 per month.

  2. State Farm: $1,030 per year, or about $86 per month.

  3. Farmers Mutual of Nebraska: $1,252 per year, or about $104 per month.

  4. American Family: $1,332 per year, or about $111 per month.

  5. Farm Bureau Financial Services: $1,357 per year, or about $113 per month.

Cheapest minimum coverage car insurance 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. State Farm: $188 per year, or about $16 per month.

  2. Farmers Mutual of Nebraska: $206 per year, or about $17 per month.

  3. Auto-Owners: $230 per year, or about $19 per month.

  4. North Star: $249 per year, or about $21 per month.

  5. Kemper: $267 per year, or about $22 per month.

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

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

  1. Kemper: $1,103 per year, or about $92 per month.

  2. Farmers Mutual of Nebraska: $1,814 per year, or about $151 per month.

  3. Allstate: $2,221 per year, or about $185 per month.

  4. American Family: $2,222 per year, or about $185 per month.

  5. Farmers: $2,627 per year, or about $219 per month.

Cheapest auto insurance in South Dakota for 40-year-old drivers with one speeding ticket

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

  1. State Farm: $218 per year, or about $18 per month.

  2. Farmers Mutual of Nebraska: $225 per year, or about $19 per month.

  3. Western National: $274 per year, or about $23 per month.

  4. North Star: $285 per year, or about $24 per month.

  5. Auto-Owners: $318 per year, or about $26 per month.

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

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

  1. State Farm: $1,249 per year, or about $104 per month.

  2. American Family: $1,630 per year, or about $136 per month.

  3. Farmers Mutual of Nebraska: $1,632 per year, or about $136 per month.

  4. Kemper: $1,682 per year, or about $140 per month.

  5. Western National: $1,804 per year, or about $150 per month.

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

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

  1. State Farm: $1,379 per year, or about $115 per month.

  2. American Family: $1,619 per year, or about $135 per month.

  3. Western National: $1,804 per year, or about $150 per month.

  4. Progressive: $2,005 per year, or about $167 per month.

  5. Farmers Mutual of Nebraska: $2,492 per year, or about $208 per month.

Cheapest for 50-year-old drivers

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 cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance 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. Kemper: $889 per year, or about $74 per month.

  2. State Farm: $977 per year, or about $81 per month.

  3. Farm Bureau Financial Services: $1,143 per year, or about $95 per month.

  4. Farmers Mutual of Nebraska: $1,148 per year, or about $96 per month.

  5. American Family: $1,235 per year, or about $103 per month.

Cheapest minimum coverage car insurance 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. State Farm: $187 per year, or about $16 per month.

  2. Farmers Mutual of Nebraska: $195 per year, or about $16 per month.

  3. Auto-Owners: $213 per year, or about $18 per month.

  4. Farm Bureau Financial Services: $216 per year, or about $18 per month.

  5. North Star: $219 per year, or about $18 per month.

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

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

  1. Kemper: $1,058 per year, or about $88 per month.

  2. Farmers Mutual of Nebraska: $1,662 per year, or about $138 per month.

  3. American Family: $2,072 per year, or about $173 per month.

  4. Allstate: $2,127 per year, or about $177 per month.

  5. Farm Bureau Financial Services: $2,202 per year, or about $184 per month.

Cheapest auto insurance in South Dakota for 50-year-old drivers with one speeding ticket

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

  1. Farmers Mutual of Nebraska: $213 per year, or about $18 per month.

  2. State Farm: $216 per year, or about $18 per month.

  3. Western National: $246 per year, or about $20 per month.

  4. North Star: $249 per year, or about $21 per month.

  5. Farm Bureau Financial Services: $253 per year, or about $21 per month.

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

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

  1. State Farm: $1,188 per year, or about $99 per month.

  2. Farmers Mutual of Nebraska: $1,495 per year, or about $125 per month.

  3. American Family: $1,515 per year, or about $126 per month.

  4. Kemper: $1,611 per year, or about $134 per month.

  5. Western National: $1,614 per year, or about $134 per month.

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

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

  1. State Farm: $1,314 per year, or about $110 per month.

  2. American Family: $1,503 per year, or about $125 per month.

  3. Western National: $1,614 per year, or about $134 per month.

  4. Progressive: $1,801 per year, or about $150 per month.

  5. Farmers Mutual of Nebraska: $2,285 per year, or about $190 per month.

Cheapest for 60-year-old drivers

Although 60-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 car insurance for seniors, drivers in their 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 car insurance in South Dakota for 60-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. Kemper: $815 per year, or about $68 per month.

  2. State Farm: $895 per year, or about $75 per month.

  3. Farmers Mutual of Nebraska: $1,016 per year, or about $85 per month.

  4. Farm Bureau Financial Services: $1,068 per year, or about $89 per month.

  5. American Family: $1,202 per year, or about $100 per month.

Cheapest minimum coverage car insurance in South Dakota for 60-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. State Farm: $175 per year, or about $15 per month.

  2. Farmers Mutual of Nebraska: $177 per year, or about $15 per month.

  3. Auto-Owners: $213 per year, or about $18 per month.

  4. Farm Bureau Financial Services: $214 per year, or about $18 per month.

  5. North Star: $219 per year, or about $18 per month.

Cheapest auto insurance in South Dakota for 60-year-olds with poor credit

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

  1. Kemper: $971 per year, or about $81 per month.

  2. Farmers Mutual of Nebraska: $1,469 per year, or about $122 per month.

  3. Allstate: $2,001 per year, or about $167 per month.

  4. American Family: $2,030 per year, or about $169 per month.

  5. Farm Bureau Financial Services: $2,063 per year, or about $172 per month.

Cheapest auto insurance in South Dakota for 60-year-old drivers with one speeding ticket

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

  1. Farmers Mutual of Nebraska: $193 per year, or about $16 per month.

  2. State Farm: $202 per year, or about $17 per month.

  3. Western National: $246 per year, or about $20 per month.

  4. North Star: $249 per year, or about $21 per month.

  5. Farm Bureau Financial Services: $250 per year, or about $21 per month.

Cheapest auto insurance in South Dakota for 60-year-old drivers with one at-fault crash

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

  1. State Farm: $1,089 per year, or about $91 per month.

  2. Farmers Mutual of Nebraska: $1,326 per year, or about $110 per month.

  3. Kemper: $1,475 per year, or about $123 per month.

  4. American Family: $1,491 per year, or about $124 per month.

  5. Farm Bureau Financial Services: $1,546 per year, or about $129 per month.

Cheapest auto insurance in South Dakota for 60-year-old drivers after a DUI

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: $1,207 per year, or about $101 per month.

  2. American Family: $1,470 per year, or about $122 per month.

  3. Western National: $1,614 per year, or about $134 per month.

  4. Progressive: $1,709 per year, or about $142 per month.

  5. Farmers Mutual of Nebraska: $2,021 per year, or about $168 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in South Dakota for 70-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. Kemper: $877 per year, or about $73 per month.

  2. State Farm: $903 per year, or about $75 per month.

  3. Farm Bureau Financial Services: $1,006 per year, or about $84 per month.

  4. Farmers Mutual of Nebraska: $1,054 per year, or about $88 per month.

  5. American Family: $1,275 per year, or about $106 per month.

Cheapest minimum coverage car insurance in South Dakota for 70-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. State Farm: $188 per year, or about $16 per month.

  2. North Star: $219 per year, or about $18 per month.

  3. Farmers Mutual of Nebraska: $220 per year, or about $18 per month.

  4. Farm Bureau Financial Services: $229 per year, or about $19 per month.

  5. Auto-Owners: $273 per year, or about $23 per month.

Cheapest auto insurance in South Dakota for 70-year-olds with poor credit

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

  1. Kemper: $1,046 per year, or about $87 per month.

  2. Farmers Mutual of Nebraska: $1,528 per year, or about $127 per month.

  3. Farm Bureau Financial Services: $1,957 per year, or about $163 per month.

  4. Allstate: $2,090 per year, or about $174 per month.

  5. American Family: $2,172 per year, or about $181 per month.

Cheapest auto insurance in South Dakota for 70-year-old drivers with one speeding ticket

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

  1. State Farm: $217 per year, or about $18 per month.

  2. Farmers Mutual of Nebraska: $240 per year, or about $20 per month.

  3. North Star: $249 per year, or about $21 per month.

  4. Farm Bureau Financial Services: $268 per year, or about $22 per month.

  5. Western National: $281 per year, or about $23 per month.

Cheapest auto insurance in South Dakota for 70-year-old drivers with one at-fault crash

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

  1. State Farm: $1,106 per year, or about $92 per month.

  2. Farmers Mutual of Nebraska: $1,390 per year, or about $116 per month.

  3. Farm Bureau Financial Services: $1,456 per year, or about $121 per month.

  4. Kemper: $1,592 per year, or about $133 per month.

  5. American Family: $1,625 per year, or about $135 per month.

Cheapest auto insurance in South Dakota for 70-year-old drivers after a DUI

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: $1,234 per year, or about $103 per month.

  2. American Family: $1,580 per year, or about $132 per month.

  3. Progressive: $1,849 per year, or about $154 per month.

  4. Western National: $1,851 per year, or about $154 per month.

  5. Farm Bureau Financial Services: $2,015 per year, or about $168 per month.

Cheapest car insurance 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 59 of the 70 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 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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old 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 the 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.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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