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Best & Cheapest South Dakota Car Insurance as Rated by Customers in 2020

4.89 ★★★★★
27 customer reviews
rated their claim's experience positively
4.68 ★★★★★
4581 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16907 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2060 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7154 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
747 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.75 ★★★★★
546 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

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. 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? 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.

On this page:

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

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 rates Male 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 1 driving incident within the past 3 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.

Company Female senior rates Male 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.

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 1 driving incident within the past 3 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.

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 1 driving incident within the past 3 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.

Minimum car insurance coverage 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 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.

Uninsured/underinsured motorist coverage kicks in to pay for injuries you or your passengers suffer in an 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 car insurance rates are 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 to 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

How Clearsurance rates and ranks 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.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

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.