The Cheapest Car Insurance in South Dakota for April 2024

Kemper offers the cheapest car insurance in South Dakota, with an average annual rate of $931 for full coverage.
Ben Moore
By Ben Moore 
Updated

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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 $931 per year on average, or $78 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 $1,838 per year, or about $153 per month.

Minimum coverage in South Dakota is $301 per year on average, but we found you can likely get a cheaper policy. For example, North Star offers the cheapest rates in South Dakota at $242 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in South Dakota

NerdWallet’s editorial team analyzed car insurance rates from 13 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: $2,214 per year, or about $185 per month.
  2. Farm Bureau Financial Services: $2,700 per year, or about $225 per month.
  3. Allstate: $3,268 per year, or about $272 per month.
  4. Farmers: $3,537 per year, or about $295 per month.
  5. American Family: $3,571 per year, or about $298 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. North Star: $492 per year, or about $41 per month.
  2. Farm Bureau Financial Services: $573 per year, or about $48 per month.
  3. Auto-Owners: $641 per year, or about $53 per month.
  4. State Farm: $649 per year, or about $54 per month.
  5. Kemper: $675 per year, or about $56 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. North Star: $816 per year, or about $68 per month.
  2. Geico: $896 per year, or about $75 per month.
  3. Farm Bureau Financial Services: $1,032 per year, or about $86 per month.
  4. Allstate: $1,041 per year, or about $87 per month.
  5. Progressive: $1,092 per year, or about $91 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. North Star: $670 per year, or about $56 per month.
  2. Farm Bureau Financial Services: $705 per year, or about $59 per month.
  3. State Farm: $727 per year, or about $61 per month.
  4. Western National: $812 per year, or about $68 per month.
  5. Progressive: $815 per year, or about $68 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: $760 per year, or about $63 per month.
  2. Western National: $812 per year, or about $68 per month.
  3. State Farm: $849 per year, or about $71 per month.
  4. Farm Bureau Financial Services: $860 per year, or about $72 per month.
  5. Progressive: $870 per year, or about $73 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: $776 per year, or about $65 per month.
  2. Western National: $812 per year, or about $68 per month.
  3. State Farm: $976 per year, or about $81 per month.
  4. American Family: $1,135 per year, or about $95 per month.
  5. North Star: $1,188 per year, or about $99 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: $915 per year, or about $76 per month.
  2. State Farm: $1,472 per year, or about $123 per month.
  3. Nationwide: $1,484 per year, or about $124 per month.
  4. Farm Bureau Financial Services: $1,599 per year, or about $133 per month.
  5. Western National: $1,672 per year, or about $139 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. North Star: $242 per year, or about $20 per month.
  2. State Farm: $244 per year, or about $20 per month.
  3. Auto-Owners: $246 per year, or about $20 per month.
  4. Kemper: $253 per year, or about $21 per month.
  5. Farm Bureau Financial Services: $279 per year, or about $23 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: $1,089 per year, or about $91 per month.
  2. Nationwide: $2,171 per year, or about $181 per month.
  3. Allstate: $2,456 per year, or about $205 per month.
  4. Geico: $2,786 per year, or about $232 per month.
  5. American Family: $2,929 per year, or about $244 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. North Star: $278 per year, or about $23 per month.
  2. Western National: $281 per year, or about $23 per month.
  3. State Farm: $281 per year, or about $23 per month.
  4. Farm Bureau Financial Services: $325 per year, or about $27 per month.
  5. Auto-Owners: $340 per year, or about $28 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. Kemper: $1,659 per year, or about $138 per month.
  2. Western National: $1,672 per year, or about $139 per month.
  3. State Farm: $1,779 per year, or about $148 per month.
  4. Farm Bureau Financial Services: $2,313 per year, or about $193 per month.
  5. Auto-Owners: $2,501 per year, or about $208 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. Western National: $1,672 per year, or about $139 per month.
  2. State Farm: $1,956 per year, or about $163 per month.
  3. Allstate: $2,839 per year, or about $237 per month.
  4. Progressive: $2,847 per year, or about $237 per month.
  5. Auto-Owners: $3,196 per year, or about $266 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: $898 per year, or about $75 per month.
  2. Nationwide: $1,403 per year, or about $117 per month.
  3. State Farm: $1,413 per year, or about $118 per month.
  4. Farm Bureau Financial Services: $1,561 per year, or about $130 per month.
  5. Western National: $1,589 per year, or about $132 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. North Star: $242 per year, or about $20 per month.
  2. State Farm: $248 per year, or about $21 per month.
  3. Kemper: $253 per year, or about $21 per month.
  4. Auto-Owners: $255 per year, or about $21 per month.
  5. Western National: $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: $1,068 per year, or about $89 per month.
  2. Nationwide: $2,051 per year, or about $171 per month.
  3. Allstate: $2,456 per year, or about $205 per month.
  4. Geico: $2,786 per year, or about $232 per month.
  5. American Family: $2,929 per year, or about $244 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. Western National: $267 per year, or about $22 per month.
  2. North Star: $278 per year, or about $23 per month.
  3. State Farm: $286 per year, or about $24 per month.
  4. Farm Bureau Financial Services: $318 per year, or about $26 per month.
  5. Kemper: $342 per year, or about $29 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. Western National: $1,589 per year, or about $132 per month.
  2. Kemper: $1,627 per year, or about $136 per month.
  3. State Farm: $1,711 per year, or about $143 per month.
  4. Farm Bureau Financial Services: $2,259 per year, or about $188 per month.
  5. Nationwide: $2,441 per year, or about $203 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. Western National: $1,589 per year, or about $132 per month.
  2. State Farm: $1,883 per year, or about $157 per month.
  3. Progressive: $2,499 per year, or about $208 per month.
  4. Allstate: $2,839 per year, or about $237 per month.
  5. Farm Bureau Financial Services: $3,126 per year, or about $260 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: $861 per year, or about $72 per month.
  2. Nationwide: $1,305 per year, or about $109 per month.
  3. Farm Bureau Financial Services: $1,322 per year, or about $110 per month.
  4. State Farm: $1,340 per year, or about $112 per month.
  5. Western National: $1,420 per year, or about $118 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. North Star: $214 per year, or about $18 per month.
  2. Farm Bureau Financial Services: $221 per year, or about $18 per month.
  3. Auto-Owners: $236 per year, or about $20 per month.
  4. Kemper: $240 per year, or about $20 per month.
  5. Western National: $240 per year, or about $20 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: $1,024 per year, or about $85 per month.
  2. Nationwide: $1,901 per year, or about $158 per month.
  3. Allstate: $2,358 per year, or about $197 per month.
  4. Farm Bureau Financial Services: $2,566 per year, or about $214 per month.
  5. American Family: $2,576 per year, or about $215 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. Western National: $240 per year, or about $20 per month.
  2. North Star: $244 per year, or about $20 per month.
  3. Farm Bureau Financial Services: $258 per year, or about $21 per month.
  4. State Farm: $284 per year, or about $24 per month.
  5. Kemper: $326 per year, or about $27 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. Western National: $1,420 per year, or about $118 per month.
  2. Kemper: $1,559 per year, or about $130 per month.
  3. State Farm: $1,625 per year, or about $135 per month.
  4. Farm Bureau Financial Services: $1,912 per year, or about $159 per month.
  5. Auto-Owners: $2,281 per year, or about $190 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. Western National: $1,420 per year, or about $118 per month.
  2. State Farm: $1,788 per year, or about $149 per month.
  3. Progressive: $2,247 per year, or about $187 per month.
  4. Farm Bureau Financial Services: $2,650 per year, or about $221 per month.
  5. Allstate: $2,745 per year, or about $229 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: $789 per year, or about $66 per month.
  2. Nationwide: $1,184 per year, or about $99 per month.
  3. State Farm: $1,227 per year, or about $102 per month.
  4. Farm Bureau Financial Services: $1,242 per year, or about $104 per month.
  5. Western National: $1,420 per year, or about $118 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. North Star: $214 per year, or about $18 per month.
  2. Farm Bureau Financial Services: $215 per year, or about $18 per month.
  3. State Farm: $230 per year, or about $19 per month.
  4. Kemper: $233 per year, or about $19 per month.
  5. Auto-Owners: $236 per year, or about $20 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: $941 per year, or about $78 per month.
  2. Nationwide: $1,716 per year, or about $143 per month.
  3. Allstate: $2,229 per year, or about $186 per month.
  4. Farm Bureau Financial Services: $2,414 per year, or about $201 per month.
  5. American Family: $2,576 per year, or about $215 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. Western National: $240 per year, or about $20 per month.
  2. North Star: $244 per year, or about $20 per month.
  3. Farm Bureau Financial Services: $251 per year, or about $21 per month.
  4. State Farm: $265 per year, or about $22 per month.
  5. Kemper: $313 per year, or about $26 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. Western National: $1,420 per year, or about $118 per month.
  2. Kemper: $1,428 per year, or about $119 per month.
  3. State Farm: $1,490 per year, or about $124 per month.
  4. Farm Bureau Financial Services: $1,796 per year, or about $150 per month.
  5. Auto-Owners: $2,120 per year, or about $177 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. Western National: $1,420 per year, or about $118 per month.
  2. State Farm: $1,641 per year, or about $137 per month.
  3. Progressive: $2,135 per year, or about $178 per month.
  4. Farm Bureau Financial Services: $2,489 per year, or about $207 per month.
  5. Allstate: $2,620 per year, or about $218 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: $855 per year, or about $71 per month.
  2. Farm Bureau Financial Services: $1,177 per year, or about $98 per month.
  3. State Farm: $1,235 per year, or about $103 per month.
  4. Nationwide: $1,331 per year, or about $111 per month.
  5. American Family: $1,578 per year, or about $132 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. North Star: $214 per year, or about $18 per month.
  2. Farm Bureau Financial Services: $233 per year, or about $19 per month.
  3. State Farm: $248 per year, or about $21 per month.
  4. Kemper: $268 per year, or about $22 per month.
  5. Western National: $275 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: $1,020 per year, or about $85 per month.
  2. Nationwide: $1,913 per year, or about $159 per month.
  3. Farm Bureau Financial Services: $2,298 per year, or about $192 per month.
  4. Allstate: $2,343 per year, or about $195 per month.
  5. American Family: $2,604 per year, or about $217 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. North Star: $244 per year, or about $20 per month.
  2. Farm Bureau Financial Services: $271 per year, or about $23 per month.
  3. Western National: $275 per year, or about $23 per month.
  4. State Farm: $286 per year, or about $24 per month.
  5. Kemper: $363 per year, or about $30 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: $1,508 per year, or about $126 per month.
  2. Kemper: $1,552 per year, or about $129 per month.
  3. Western National: $1,630 per year, or about $136 per month.
  4. Farm Bureau Financial Services: $1,699 per year, or about $142 per month.
  5. Auto-Owners: $2,206 per year, or about $184 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. Western National: $1,630 per year, or about $136 per month.
  2. State Farm: $1,673 per year, or about $139 per month.
  3. Progressive: $2,305 per year, or about $192 per month.
  4. Farm Bureau Financial Services: $2,356 per year, or about $196 per month.
  5. Allstate: $2,801 per year, or about $233 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 36 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.

Are you wondering why insurance rates are higher? Ask a Nerd directly
Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.

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 2021 Toyota Camry LE 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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