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Best Cheap Car Insurance in South Dakota for 2019

Jan. 2, 2019
Auto Insurance, Insurance
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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 the seven largest insurers in the state and found the three cheapest options for several driver profiles.

Cheapest for good drivers

State Farm was the cheapest carrier we found for good drivers in South Dakota with good credit, at $68 per month, on average. Farmers and Farmers Mutual of Nebraska come in second and third, respectively.

InsurerAverage priceGet your rate
*Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$814/year

$68/month



4.0 NerdWallet rating

$1,063/year

$89/month



NerdWallet rating: *Not rated

$1,079/year

$90/month

For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

Farmers Mutual of Nebraska was the cheapest insurer in our test for good drivers in South Dakota with spotty credit, at $130 per month, on average. Farmers and Allied, a Nationwide company, round out the list.

InsurerAverage priceGet your rate
*Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies. Allied's star rating reflects that of Nationwide, its parent company.

NerdWallet rating: *Not rated

$1,558/year

$130/month


4.0 NerdWallet rating

$1,663/year

$139/month



4.0 NerdWallet rating

$1,678/year

$140/month


Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

State Farm had the cheapest rates we found for South Dakota drivers with a recent on-record accident, at $78 per month, on average. Farmers Mutual of Nebraska and Farmers complete the set.

InsurerAverage priceGet your rate
*Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$937/year

$78/month



NerdWallet rating: *Not rated

$1,419/year

$118/month


4.0 NerdWallet rating

$1,437/year

$120/month


To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

State Farm was the cheapest carrier we found for South Dakotans who drive few miles annually, at $61 per month, on average. Farmers and Farm Bureau were second- and third-cheapest, respectively.

InsurerAverage priceGet your rate
*Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$728/year

$61/month


4.0 NerdWallet rating

$970/year

$81/month


 width=
NerdWallet rating: *Not rated

$1,079/year

$90/month


Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Farmers Mutual of Nebraska had the cheapest average rate for minimum coverage car insurance in South Dakota, at $19 per month. State Farm and American Family also make the cut.

InsurerAverage priceGet your rate
*Farmers Mutual of Nebraska is not rated because there is not enough data to evaluate it against larger companies.

NerdWallet rating: *Not rated

$231/year

$19/month

4.0 NerdWallet rating

$265/year

$22/month


4.0 NerdWallet rating

$284/year

$24/month


We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

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.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in South Dakota

CategoryCheapest option
Good driversState Farm
Drivers with poor creditFarmers Mutual of Nebraska
Drivers with one at-fault crashState Farm
Low-mileage driversState Farm
Minimum coverageFarmers Mutual of Nebraska
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured/underinsured motorist bodily injury coverage per person.
  • $300,000 uninsured/underinsured motorist bodily injury coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

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

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.


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