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Best Cheap Car Insurance in South Dakota for 2020

Jan. 2, 2020
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 12 largest insurers in the state and found the five cheapest options for several driver profiles.

Cheapest for good drivers in South Dakota

For South Dakota residents with clean driving records and good credit, these are the cheapest insurance companies we found, ranked by average rates for full coverage:

  1. Farmers Mutual of Nebraska: $999 per year.
  2. State Farm: $1,035 per year.
  3. American Family: $1,158 per year.
  4. Progressive: $1,201 per year.
  5. Geico: $1,225 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in South Dakota

These companies had the cheapest average rates for South Dakota’s minimum required insurance, assuming clean driving and credit histories:

  1. Farmers Mutual of Nebraska: $200 per year.
  2. North Star: $254 per year.
  3. State Farm: $260 per year.
  4. Geico: $273 per year.
  5. Auto Owners: $298 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) 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. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

For a South Dakota driver with tarnished credit and a good driving record, here are the cheapest insurers and average rates for full coverage:

  1. Farmers Mutual of Nebraska: $1,440 per year.
  2. Geico: $1,470 per year.
  3. Nationwide: $1,802 per year.
  4. American Family: $1,857 per year.
  5. Progressive: $2,036 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

For a South Dakota driver whose record shows a recent at-fault wreck, the cheapest insurers and average rates for full coverage are:

  1. American Family: $1,187 per year.
  2. State Farm: $1,279 per year.
  3. Farmers Mutual of Nebraska: $1,302 per year.
  4. Progressive: $1,786 per year.
  5. Farmers: $1,793 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. 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 insurance after a DUI in South Dakota

For South Dakota drivers with a recent DUI on their record, these are the cheapest auto insurance companies and average rates for full coverage:

  1. American Family: $1,187 per year.
  2. Progressive: $1,353 per year.
  3. State Farm: $1,441 per year.
  4. Farmers: $1,698 per year.
  5. Farmers Mutual of Nebraska: $1,985 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in South Dakota

With a recent on-record speeding ticket, a South Dakota driver may want to get quotes from these insurers, which returned the cheapest average rates for full coverage policies:

  1. Farmers Mutual of Nebraska: $1,092 per year.
  2. State Farm: $1,186 per year.
  3. American Family: $1,187 per year.
  4. Geico: $1,412 per year.
  5. Farm Bureau Financial Services: $1,485 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in South Dakota

In addition to single drivers, NerdWallet also analyzed rates for a South Dakota couple with and without a teen driver, and the cheapest companies weren’t the same. Insurers apply rates and price breaks in different ways, so be sure to get fresh insurance quotes after any big change in your life like moving, getting married, or adding a new driver to your policy.

Cheapest for a married couple in South Dakota

For a husband and wife in South Dakota, both 50 years old with clean driving and credit histories, these are the cheapest companies and average rates to insure two vehicles with full coverage:

  1. Progressive: $1,457 per year.
  2. Nationwide: $1,476 per year.
  3. Farmers Mutual of Nebraska: $1,493 per year.
  4. Geico: $1,586 per year.
  5. American Family: $1,586 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in South Dakota

For a 50-year-old South Dakota couple with an 18-year-old driver on their policy, these insurers have the cheapest average rates for full coverage, two-vehicle policies:

  1. Farmers Mutual of Nebraska: $2,517 per year.
  2. Geico: $2,572 per year.
  3. American Family: $2,636 per year.
  4. Nationwide: $2,835 per year.
  5. North Star: $3,021 per year.
Taking that same couple and adding a teen with two years’ driving experience is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers across the state.

Cheapest for young drivers in South Dakota

When you’re in your 20s, you can’t always qualify for the cheapest car insurance rates, but in South Dakota, you can get close if you shop around. Most insurance companies see young, inexperienced drivers as a bigger risk and set their prices accordingly. But each insurer considers factors like age and driving background differently, so some companies will be cheaper than others. Here’s what we found when we checked rates for 25-year-old drivers in South Dakota.

Cheapest full coverage for young good drivers

For a South Dakota 25-year-old with good credit and a clean driving record, these are the cheapest insurance companies we found and their average rates for full coverage auto policies:

  1. State Farm: $1,218 per year.
  2. Farmers Mutual of Nebraska: $1,251 per year.
  3. American Family: $1,267 per year.
  4. North Star: $1,395 per year.
  5. Progressive: $1,403 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers all over the state with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount, but no others. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For a young driver who chooses South Dakota’s minimum required insurance, the cheapest companies and average rates are:

  1. North Star: $254 per year.
  2. Farmers Mutual of Nebraska: $273 per year.
  3. State Farm: $302 per year.
  4. Geico: $316 per year.
  5. Farm Bureau Financial Services: $344 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers living across the state who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

For a 25-year-old in South Dakota with spotty credit and a good driving record, here are the cheapest insurers we found, ranked by their average rates for minimum coverage:

  1. Geico: $364 per year.
  2. Farmers Mutual of Nebraska: $392 per year.
  3. North Star: $423 per year.
  4. Progressive: $563 per year.
  5. Nationwide: $613 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates across the state for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

When a young driver in South Dakota is responsible for a recent on-record accident, the cheapest insurers and average rates for minimum coverage are:

  1. Farmers Mutual of Nebraska: $379 per year.
  2. State Farm: $396 per year.
  3. North Star: $437 per year.
  4. Geico: $450 per year.
  5. Farm Bureau Financial Services: $494 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers across the state with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

These are the cheapest insurance companies we found for South Dakota 25-year-olds with a recent DUI on their record, listed alongside average rates for minimum coverage:

  1. Progressive: $418 per year.
  2. State Farm: $471 per year.
  3. American Family: $534 per year.
  4. Farmers Mutual of Nebraska: $539 per year.
  5. Farmers: $602 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. But spending the time to shop around for quotes can help you find the lowest. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent on-record DUI. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

For a young South Dakotan whose record includes a recent speeding ticket, the cheapest insurers and average rates for minimum coverage are:

  1. Farmers Mutual of Nebraska: $299 per year.
  2. Farm Bureau Financial Services: $344 per year.
  3. State Farm: $352 per year.
  4. Geico: $360 per year.
  5. North Star: $373 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

For drivers in South Dakota with a military connection, cheap car insurance is often available through USAA. We didn’t rank it alongside other companies because USAA’s policies are exclusively for active service members, veterans and their families. But in South Dakota, USAA was one of the three cheapest options for every driver category above except 40-year-old drivers with a DUI.

Recap: Cheapest car insurance in South Dakota

  • Good drivers: Farmers Mutual of Nebraska
  • Minimum coverage: Farmers Mutual of Nebraska
  • Poor credit: Farmers Mutual of Nebraska
  • After an at-fault crash: American Family
  • After a DUI: American Family
  • After a speeding ticket: Farmers Mutual of Nebraska
  • Married couples: Progressive
  • Families with a teen: Farmers Mutual of Nebraska
  • Young good drivers: State Farm
  • Minimum coverage for young good drivers: North Star
  • Minimum coverage for young drivers with poor credit: Geico
  • Minimum coverage for young drivers after a crash: Farmers Mutual of Nebraska
  • Minimum coverage for young drivers after a DUI: Progressive
  • Minimum coverage for young drivers after a ticket: Farmers Mutual of Nebraska

» MORE: Compare car insurance

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 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. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. 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.
We used a 2016 Toyota Camry LE for all single drivers. 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. These are rates provided by Quadrant Information Services. Your own rates will be different.