Best car insurance companies in South Dakota

Fact-checked with HomeInsurance.com

    Article Highlights

    For drivers looking for the best car insurance in South Dakota, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for South Dakota and how these rates are affected by your driving record. You can also compare rates by provider and major cities in South Dakota.

    The average South Dakota driver pays $1,604 per year for insurance, which breaks down to about $133 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for South Dakota and may not reflect your actual premium quote.

    South Dakota Quickfacts

    • Cheapest carrier for full coverage in South Dakota is USAA: $1,064
    • Cheapest carrier for minimum coverage in South Dakota is North Star Mutual: $208
    • Carrier with highest customer satisfaction in South Dakota: USAA
    • Number of uninsured drivers in South Dakota: 7.7%
    • South Dakota is on the higher end for car insurance rates

    Average cost of car insurance in South Dakota

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,597$1,840$2,050
    Minimum coverage$314$366$406

    Quadrant data services, 2020

    Best car insurance companies in South Dakota

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,406$393
    Farmers$1,480$281
    Progressive$1,949$328
    State Farm$1,091$272
    USAA$1,064$221
    Western National$1,900$314
    American Family$1,157$462
    Auto-Owners$2,082$267
    Iowa Farm Bureau$1,848$414
    Farmers Mutual of Nebraska$1,402$226

    Quadrant data services, 2020

    Car insurance rates in South Dakota by city

    City Full coverage annual rate Minimum coverage annual rate
    Sioux Falls$1,491$364
    Rapid City$1,855$327
    Aberdeen$1,462$280
    Brookings$1,408$276
    Watertown$1,434$277

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

    Best car insurance companies… Read Next Best car insurance companies…