Best & Cheapest Car Insurance in South Dakota as Rated by Customers in 2022

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#1
/35
USAA
4.72 ★★★★★
4.72 ★★★★★
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Excellent
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#2
/35
4.55 ★★★★★
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#3
/35
4.23 ★★★★★
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Car insurance is an important investment for any customer, and you want to make sure you’re choosing a company that treats it’s policyholders with respect. If you’re looking to purchase car insurance in South Dakota, you can read Clearsurance reviews from the top South Dakota companies to find out which insurer best fits your needs. This way in the event of an accident you're not stuck with someone else's medical bills looming over your head.

Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in South Dakota. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best South Dakota car insurance companies.

In the table above, you can sort through all the South Dakota car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best South Dakota car insurance rankings.

Interested in learning more about one of these South Dakota car insurance companies and what sort of auto policies are being offered? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders. Doing all of this can help you find the cheapest rates for your coverage.

On this page:

Who offers the cheapest teen car insurance rates in South Dakota?

Teenage drivers should do their best to get sample rates from various companies. Not only will it help them be seen as responsible and not labeled as high-risk drivers, but it will also let them make their financial decisions with confidence, knowing that they've got options even though they're new to the road.

Farmers Mutual Insurance of Nebraska is the cheapest car insurance option for both male and female teen drivers in South Dakota on average. In the table below, you can see the average auto insurance rates for the five largest insurers in the state.

Company Female teen ratesMale teen rates
American Family Insurance $1,015 $1,043
Farmers Insurance Group $1,996 $2,108
Farmers Mutual Insurance of Nebraska $434 $480
Progressive $1,353 $1,514
State Farm Insurance Company $646 $758

These rates are based on profiles for 18-year-old male and female drivers in South Dakota. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in South Dakota will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in South Dakota?

Out of the five most popular car insurance companies in the state, American Family Insurance offers the cheapest car insurance rates for married couples in South Dakota on average.

Company Married couple rates
American Family Insurance $1,451
Farmers Insurance Group $1,853
Farmers Mutual Insurance of Nebraska $1,779
Progressive $1,929
State Farm Insurance Company $1,745

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Dakota will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in South Dakota?

State Farm provides the cheapest car insurance rates for male and female senior drivers in South Dakota on average when compared with the most popular insurers in the state. Someone who is operating on a budget will need to know what their cheapest options are when it comes to their coverage policy. There's such a vast universe of companies out there however, that it's easy for senior drivers to find competitive rates.

Company Female senior ratesMale senior rates
American Family Insurance $829 $839
Farmers Insurance Group $804 $860
Farmers Mutual Insurance of Nebraska $824 $848
Progressive $939 $947
State Farm Insurance Company $755 $755

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Dakota will differ. Rate data is provided by Quadrant Information Services.

What are the 10 cheapest areas in South Dakota for car insurance?

The cheapest area in South Dakota for car insurance on average is Watertown. Car insurance rates vary based on where you live. In the table below, you can see the top 10 cheapest areas in South Dakota for car insurance based on average rates for a single adult.

Area Car insurance rates
Watertown $1,175
Vermillion $1,202
Flandreau $1,212
Elk Point $1,213
Aurora $1,214
Alcester $1,214
Jefferson $1,215
Volga $1,216
Bruce $1,216
Beresford $1,216

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Dakota will differ. Rate data is provided by Quadrant Information Services.

What are the 10 most expensive areas in South Dakota for car insurance?

Since your area affects your car insurance rates, some areas with a higher risk of a car insurance claim are more expensive than others. The table below displays the top 10 most expensive areas in South Dakota for car insurance based on average rates for a single adult.

Area Car insurance rates
Pine Ridge $1,685
Manderson $1,685
Oglala $1,682
Wounded Knee $1,674
Bison $1,673
Allen $1,667
Kyle $1,662
Porcupine $1,662
Batesland $1,659
Lemmon $1,659

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Dakota will differ. Rate data is provided by Quadrant Information Services.

Are there any minimum coverage requirements and limits in South Dakota?

All South Dakota drivers are required to have three types of insurance coverage: bodily injury liability, property damage liability, and bodily injury liability coverage for any accident caused by an uninsured/underinsured motorist. Each of these required coverages has minimum limits, which we’ve listed below. But purchasing higher limits may be worthwhile, as these minimum limits could leave you underinsured if you’re involved in a costly accident.

When selecting your policy, you also should consider adding optional coverages for better protection. Comprehensive coverage, for example, would ensure that your vehicle is protected from damages not caused by an accident, such as hail or a fallen tree. Other optional coverages include collision insurance, medical payments, roadside assistance and rental reimbursement.

South Dakota state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Bodily injury caused by an uninsured/underinsured motorist:

  • $25,000 per person
  • $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence. Having coverage for property damage can definitely come in handy, especially if you're at fault.

Uninsured/underinsured motorist coverage kicks in to pay for the medical costs associated with any injuries you or your passengers suffer in an auto accident caused by a driver who doesn’t have insurance or who doesn’t have enough insurance. It also protects you from a hit-and-run driver. In South Dakota, 7.7 percent of drivers lack car insurance, according to 2015 data from the Insurance Information Institute.

How are car insurance rates calculated in South Dakota?

When searching and comparing quotes from the best auto insurance companies in South Dakota, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How can you save money on your car insurance in South Dakota?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best South Dakota car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

Getting your monthly cost to fit within your budget could be as easy as calling your insurance provider and asking if there's a more affordable option. If you've already done this, and none of the above seems too appealing, you can always ask if they offer discounts. Things such as a safe driver discount, or a discount based on the safety features you have in your vehicle, or even your age, could help lower your coverage rates. We mention this a little further below, but you can potentially also receive a defensive driving course discount if you mention you've taken one to your insurer.

How does Clearsurance rate and rank the best car insurance companies in South Dakota?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. We make sure that we provide nothing but accurate content from customers.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. We also follow strict guidelines for what sort of reviews we utilize.

Is there a car insurance guide for more information?

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Frequently Asked Questions

Who offers the cheapest teen car insurance rates in South Dakota?

Since they don't have much in the way of driving history, teen drivers need to shop around to find the a properly priced coverage level that will suit their needs. Farmers Mutual Insurance of Nebraska is the cheapest car insurance option for both male and female teen drivers in South Dakota on average. In the table below, you can see the average auto insurance rates for the five largest insurers in the state.

Who offers the cheapest car insurance rates for married drivers in South Dakota?

Out of the five most popular car insurance companies in the state, American Family Insurance offers the cheapest car insurance rates for married couples in South Dakota on average. It helps if both people have clean driving records. And just note that the policy still allows coverage per person, and that both drivers are protected equally. 

Who offers the cheapest senior car insurance rates in South Dakota?

State Farm provides the cheapest car insurance rates for male and female senior drivers in South Dakota on average when compared with the most popular insurers in the state. More mature drivers have had time to hone safe driving habits, but even if they haven't and their history shows traffic violations and reckless driving, there are still ways they can find low cost coverage. Or they may want to consider looking into taking a defensive driving course should the need arise. 

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