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Finding Cheap Auto Insurance in South Dakota

Are you a South Dakota car owner looking to save some money on your auto insurance? We’ve evaluated 10 auto insurance companies in your state to find the best rates for a variety of drivers.

Related: Best Car Insurance Companies

Cheap South Dakota Auto Insurance For Good Drivers

Drivers with a good driving record should be able to find a good deal in South Dakota, but it can take a little while. Check out quotes from Geico Auto Insurance and State Farm. Whether you are a military or a veteran, USAA auto insurance offers competitive rates.

Best Cheap Car Insurance In South Dakota For Speeding Drivers

Some insurance companies will increase your rates if you are the victim of a speeding ticket. If you have a speeding ticket on your record, you may want to get Geico and State Farm auto insurance quotes. Military personnel can probably find good rates at USAA.

South Dakota Cheap Auto Insurance For Drivers With Injury Crash

If you cause a car accident that injures someone else, you can expect your auto insurance rates in South Dakota to go up by several hundred dollars a year. State Farm and Geico are worth considering.

Cheap South Dakota Auto Insurance For Drivers With A DUI

Drivers with a DUI conviction pay an average of $ 1,000 more per year for auto insurance in South Dakota compared to drivers with a clean criminal record. If you have a DUI, State Farm might be a good bet for cheaper rates.

Cheap South Dakota Auto Insurance For Drivers With Low Credit

The average auto insurance bill will be about $ 1,800 higher for drivers with poor credit in South Dakota, and that’s for someone who doesn’t have an accident or a ticket. If you have poor credit, it is a good idea to seek out the best rates. Geico had the lowest rates among the companies we reviewed.

Cheap South Dakota Auto Insurance For Drivers Taken Without Insurance

Some South Dakota insurers view an interruption in auto insurance history as a higher risk, which can mean higher rates. If you are looking for auto insurance after a lapse in insurance, try quotes from Geico, Farmers Mutual of Nebraska, and State Farm. Eligible military and veterans must also obtain a quote from the USAA.

Cheapest Vehicles for Insurance in South Dakota

The type of vehicle you drive is factored into your auto insurance rates. In South Dakota, the Jeep Compass Latitude, Chevrolet Trax LS, and Ford Escape S are among the cheapest insurance options, based on the average rates of the top 50 selling 2021 models. The 20 cheapest are below.

The most expensive vehicles for insurance in South Dakota among the popular models are the Tesla Model S Performance ($ 4,005 per year) and the Volvo XC90 T8 Inscription ($ 2,784 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in South Dakota

South Dakota law states that homeowners must purchase automobile liability insurance with coverage limits of at least:

  • $ 25,000 for bodily injury to a person.
  • $ 50,000 for bodily injury to more than one person in an accident.
  • $ 25,000 for property damage in an accident.

This is often written as 25/50/25.

Consider higher liability limits that will protect your savings and other assets from legal action. For example, if you cause more than $ 25,000 in property damage, you can still be sued for the rest.

While purchasing low coverage limits saves you money up front, it can cost you a lot more if you cause a costly accident and get sued.

South Dakota also requires coverage for uninsured and underinsured motorists. These types of coverage pay off if someone with little or no liability insurance hits you.

The minimum coverage for uninsured motorists that South Dakota drivers must have is similar to state liability insurance requirements:

  • $ 25,000 for bodily injury to a person.
  • $ 50,000 for bodily injury to more than one person in an accident.

What else should I have?

Collision and accident insurance: Together, Collision Coverage and Comprehensive Coverage cover vehicle theft and vehicle damage caused by flood, fire, hail, vandalism, riots, falling objects and collisions with animals. They are usually sold together.

Collision and full coverage are usually required if you have an auto loan or lease.

Coverage of medical payments (MedPay). MedPay is optional and covers medical and funeral expenses if you are injured or killed in an accident.

Summary: Compulsory Auto Insurance in South Dakota

Can I show my insurance ID card from my phone?

You can use your phone to show an auto insurance ID card in South Dakota. Many auto insurance companies have mobile apps that make it easy to access your insurance ID.

Factors Allowed In South Dakota Auto Insurance Rates

Auto insurance companies will typically use your driving record, past claims, vehicle model, and more when setting rates. In South Dakota, insurers can also use these factors.

How many uninsured drivers are there in South Dakota?

About 7% of South Dakota car owners don’t have insurance, according to the Insurance Research Council. This is below the national average of 13%.

Penalties for driving without automobile insurance

If you’re caught driving with auto insurance in South Dakota, here are the potential penalties:

  • Up to 30 days in jail and up to a $ 500 fine, plus suspension of your license for 30 days to one year.

When can a vehicle be totaled?

In South Dakota, an insurance company can decide when a vehicle is so damaged, as long as it is less than 10 model years old.

If you have a large car loan, gap insurance can pay the difference between what you owe on a car loan and your insurance check for a car totaled. If you’ve funded most or all of your vehicle purchase, or if your vehicle is depreciating quickly, you could have a variance like this.

Resolve insurance issues

The South Dakota Department of Insurance monitors insurance companies and takes complaints. If you have an unresolved issue with an insurance company, check out this complaint information page.

Methodology

To find the cheapest auto insurance companies in South Dakota, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies assessed for South Dakota were Allstate, Auto-Owners, Farm Bureau Mutual, Farmers, Farmers Mutual of Nebraska, Geico, North Star, Progressive, State Farm, and USAA.

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