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Cheap Auto Insurance in South Dakota: Best Companies & Quotes
Best Car Insurance Companies in South Dakota
- American Family
- State Farm
- Farm Bureau
- Auto Owners Insurance
- Farmers Insurance
|American Family||State Farm||Farm Bureau||Auto Owners Insurance||Progressive||Farmers Insurance|
|AM Best Financial Strength Rating||A||A++||A||A++||A+||A-|
|JD Power 2019 Overall Customer Satisfaction score||3/5||5/5||N/A||3/5||3/5||3/5|
|Avg Annual Premium||$306||$318||$382||$395||$409||$913|
|Consumer Reports Reader Score||89||78||90||N/A||75||72|
|BBB Rating||A||A||Not Rated||A+||A+||A+|
Auto Insurance Statistics in South Dakota
Auto insurance rates in South Dakota have been reported as being much lower than the national average for the past few years. In the last three years of reported data, the average auto insurance rates have been inclining slightly but not by much. By examining the changes in rates, drivers can get an idea of the range they can expect to pay when it comes to auto insurance premiums in South Dakota.
Top 10 Cheapest Car Insurance Companies in South Dakota
|Rank||Company Name||Avg. Annual Premium|
|3||Farmers Mutual of Nebraska||$1,252|
|6||Buckeye Insurance Group||$1,483|
|7||Farm Bureau Mutual||$1,640|
Drunk Driving Fatalities
Drinking and driving is a deadly combination and in South Dakota, the rate of drunk driving fatalities has fluctuated with some years being higher than the national average. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in South Dakota vs. nationwide.
Drunk driving fatalities in South Dakota from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in South Dakota has been quite lower than in other areas of the country. The data below demonstrates the level of drinking and driving taking place in South Dakota in comparison to other states around the country.
Teen Drinking & Driving in South Dakota vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in South Dakota
South Dakota residents will need to purchase SR-22 coverage if they are deemed to be an at-risk driver by the state authorities. If you drive your vehicle without insurance, or you operate one under the influence of drugs or alcohol, you might be required to prove that you have financial coverage if you are to get into another accident.
SR-22 insurance is simply an insurance policy where the insurance provider offers documentation to local authorities that prove you have a basic level of coverage. They will also notify authorities if you cancel the coverage. In South Carolina, the minimum coverage is $25,000 for injury of one person, $50,000 for injury of multiple people, and property damage cover of $25,000.
Car Theft in South Dakota
Car theft in South Dakota has been relatively low and in most cases has been less than the national average. It is helpful to be cognizant of the level of car theft in the State you will be driving in. By taking a look at the number of car thefts in South Dakota, you can learn how risky it is to drive without comprehensive insurance coverage.
Vehicle thefts by rank nationwide vs. South Dakota
Uninsured Motorists in South Dakota
Without car insurance, drivers in South Dakota might have to pay out of pocket in the event of an accident taking place. These expenses could include property damage and medical bills as well as any monies awarded by a court for personal injury. It is always recommended to carry uninsured and underinsured motorist coverage. The below data shows how well South Dakota ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
Like in all states in the country, the rates for car insurance in South Dakota are determined by several factors, but most importantly, by the insurer where you get a quote. It is, therefore, good to visit as many insurance providers as possible to get a good deal for your car insurance needs. Other factors that are considered are the type of car, driving history, location, and individual circumstances such as credit score and age.
The list below summarizes and offers a review of the cheapest insurance providers in the state:
- Western National Insurance-$660
The company with over 115 years in the business prides itself as one of the leading auto insurance providers in Midwestern, Northwestern, and Southwestern United States. With a significant presence in South Dakota, Western National Insurance offers the most affordable insurance coverage at an average of $660.
- State Farm-$678
As the largest insurance company in the United States, State Farm Mutual Automobile Insurance Company offers some of the cheapest auto insurance services. At an average of $678, State Farm follows closely in the footsteps of Western National Insurance in offering affordable automobile insurance services in South Dakota.
As the second largest insurer in the United States, Government Employees Insurance Company (GEICO) offers competitive auto insurance service in South Dakota. The company offer auto cover for $738 and thus making to the cheapest car insurance providers in the state.
- Farmers Mutual of Nebraska-$762
The company offers cheap insurance cover to motor vehicle owners in the State. Although it has a difference of over $200 with the cheapest insurer, the Western National Insurance, its rates are still lower than the national average of $795 and thus a good deal for car owners in South Dakota.
A subsidiary of Farmers Insurance, Mid Century offers insurance coverage for car owners at an average of $792, slightly below the national average. However, other factors such as the location of the car and driving history can tilt the cover to the higher side than the average noted above. The above rates represent the average insurance cost in the whole state. However, when considers from city to city, the rates change significantly between the insurers. As such, some insurers are cheaper in one city and higher in others. For instance, State Farm in Watertown takes the lead as the cheapest insurer at $654 followed by Mid-Century at $ 720, and then GEICO at $738. In Mitchel, State Farm is still the cheapest but now at $702, higher than it is in Watertown. The insurer is followed by GEICO at $720, and Farmers Mutual of Nebraska at $762. In Sioux Falls, GEICO is the cheapest insurer at $678, followed by State Farm at $684, and Western National Insurance at $720. In Huron, State Farm takes the lead at $678, Mid-Century is the second at $720, while GEICO takes the third position at $738.
Cheapest Automobile Insurance by Driver Characteristics
The characteristics of the driver under consideration include the young drivers, good drivers, and drivers with one at-fault crash. For young drivers in their early 20s, the cheapest insurers are American Family Insurance at $411, Allied Insurance at $415, and State Farm at $457 in that order. The cheapest insurance providers for good drivers with no history of accidents or crashes include Western National Insurance at $660, State Farm at $678, and GEICO at $738. These drivers are considered less risky and thus able to access cheaper insurance options as compared to the ones with a history of crashes as indicated below. Lastly, drivers with at least one at-fault crash also have a cheap option of insurance coverage although it is more expensive than for good drivers and young drivers. In this case, the insurance company options for this group include State Farm at $1042, Allied Insurance at $1255, and Farmers Mutual of Nebraska at $1,526. Based on the above analysis, it is evident that of you are seeking a cheap insurer, there is more to consider that the state average. Depending on your location, the rates vary between the cheapest insurance by average in the state. So do not rush, take your time to compare the rates offered by different insurance companies in your localities and you will be surprised by the bargains you will achieve. Further, the character of the driver is also another factor of consideration.
Types of Auto Insurance Coverage in South Dakota:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in South Dakota
There are minimum requirements for auto insurance in the state of South Dakota. According to South Dakota’s Division of Insurance, each vehicle in the state needs to be covered by a minimum of liability insurance coverage as well as underinsured and uninsured motorist coverage.
The liability minimums in South Dakota are as follows:
- $25,000 coverage when an injury occurs from an accident
- $25,000 coverage in the event of damaged property in an accident
- $50,000 coverage in the event of multiple injuries in an accident
Source: Division of Insurance
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, our goal is to give you as much information as possible to help you save on the cost of car insurance. If you are looking for affordable car insurance, auto insurance discounts are a great solution. We have put together a list of the best auto insurance discounts in the state of South Dakota. Browse the list below to find some of the auto insurance discounts you can use to save on the cost of car insurance each month or yearly in South Dakota.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in South Dakota
This section covers general questions pertaining to general auto insurance in South Dakota.
What paperwork is needed to get car insurance in South Dakota?
You don’t need much in order to get car insurance now in South Dakota. All you need is proof of a valid driver’s license and a bill of sale or title for your vehicle if you purchased it recently.
How quickly can you buy insurance after buying a car in South Dakota?
You can buy car insurance after just a few minutes or hours after purchasing a car in South Dakota. You will have to add an insurance policy onto the car anyway before you are able to leave the car dealership lot with it. If you don’t already have a policy then you can buy car insurance online now.
Where can I talk to someone about Progressive car insurance in South Dakota?
To talk to someone about Progressive car insurance in South Dakota, your best bet is going to be speaking to a Progressive insurance representative directly either on the phone using their toll-free number or by visiting a local Progressive agency near you.
In South Dakota, how soon do I need to get insurance after I have purchased a used car?
In South Dakota, you will need to purchase car insurance on a used car before you are able to drive off with the car. You can add car insurance by calling the insurance company of your choice the moment you have purchased the car. Read more about how to get insurance on a car.
How to file an auto insurance claim in South Dakota?
In order to file an auto insurance claim in South Dakota, you will need to do the following:
- Have the insurance information of the second person involved in the accident.
- Contact your insurance company directly to file a claim.
- Gather all of the information the insurance agent needs such as police reports, victim statements, pictures of the damage done to both cars, etc.
- Follow the instructions given by the insurance agent.
What year did South Dakota make auto insurance mandatory?
South Dakota made auto insurance mandatory in the state in the same year that most other states in the US did the same: 1927. South Dakota did this just two years after Connecticut made it mandatory in their state.
What happens if I pocket the insurance money in South Dakota and don’t fix my car?
Nothing will happen if you pocket the insurance money without fixing your car, as long as you own your car outright. If you don’t own your car, the money will be rewarded right to the repair shop.
Do South Dakota drivers who have no car need car insurance?
No. In South Dakota, if you don’t have a car, there is no need for you to purchase car insurance. Keep in mind that if you drive somebody else’s car, aren’t on their policy and you get into an accident, the damages may not be covered under their policy.
In South Dakota, how long can you insure a dependent for auto insurance?
In South Dakota, you can insurance a dependent on your auto insurance for as long as you wish. Whenever you want to remove them, just contact your auto insurance company directly. Also read: Getting unlicensed driver auto insurance.
In South Dakota, when you get a new car, how many days do you have to change the insurance over?
When you purchase a new car in South Dakota, you will be covered under your insurance for approximately 4 days. After that you will have to add your new vehicle to your current insurance policy.
In South Dakota, which parent has the carry the auto insurance on a beginning driver?
In South Dakota, any legal guardian or either parent of the beginning driver can carry the auto insurance. As long as one of the parents has custody of the beginning driver, any one of them can carry the insurance. Read more: How much does it cost to add a teenager to car insurance?
How long does it take for an auto insurance premium payment to be returned unpaid in South Dakota?
It can take as long as 30 days for an auto insurance premium payment to be returned unpaid in South Dakota. It can take as long as 45 days if the payment has been lost on the way.
Who can drive my car under my insurance in South Dakota?
Anybody can drive your car, however, only those who are under your insurance policy will be able to drive your car in South Dakota. If anybody else drives your car, you may not be covered for any of the damages in the case of an accident.
Auto Insurance Coverage in South Dakota
This frequently asked question section covers basic auto insurance coverage in South Dakota questions.
What type of car insurance is required by South Dakota?
The type of car insurance that is required by South Dakota state law is liability coverage. This insurance will need to include uninsured and underinsured motorist protection in the policy.
How long does your existing insurance cover a new car in South Dakota?
Whenever you purchase a new car in South Dakota, your existing insurance will cover it for up to 4 days. After that you will need to generate a new insurance policy just for the new car.
What should I pick for auto insurance coverage in South Dakota?
In order to pick the best auto insurance coverage in South Dakota, you will need to take into account what your budget is and what kind of coverage you need. If you are on a tight budget, the best coverage to get is liability insurance. If you have a newer car and want it to have the best coverage possible, then getting full coverage insurance is your best bet.
What is South Dakota state minimum for property damage on car insurance?
South Dakota’s state minimum for property damage on car insurance must include a minimum of $25,000 per accident. This pertains to an accident that is caused by the owner/driver of the car that is insured.
What insurance is needed to register a car in South Dakota?
The type of insurance that is needed in order to register a car in South Dakota is the state minimum requirement of liability insurance with property damage and bodily injury coverage.
Who can be covered under a South Dakota insurance policy?
Anybody can be covered under a South Dakota insurance policy as long as the person has a valid driver’s license and a vehicle they can register with the Department of Motor Vehicles.
What is the recommended auto insurance coverage in South Dakota?
The recommended auto insurance coverage in South Dakota is the state minimum required insurance of liability. However, this depends on what kind of area you live, your personal driving record and what your budget is.
Auto Insurance Rates in South Dakota
In this section, you will find frequently asked questions regarding the auto insurance rates in South Dakota.
What are auto insurance rates in South Dakota?
The typical auto insurance rate in South Dakota can vary based on the country and personal driving history. The average rate for basic liability coverage is around $767 per year.
Why did my South Dakota car insurance increase by 26% in the last 2 years?
The possibility of your car insurance increasing over the past 2 years is mostly likely due to a car accident claim. Filing a claim in South Dakota is particularly steep and can increase your car insurance rate by at least 45%. Learn more about how to reduce car insurance premiums.
How much is car insurance for a 21 year old male in South Dakota?
The price of car insurance for a 21 year old male living in South Dakota is typically around $1,700 for a yearly premium. This price can differ for every male depending on where they live and driving history. If you’re in school take a look at student car insurance plans which offer discounts for good grades.
Which areas in South Dakota have the lowest car insurance rates?
The areas in South Dakota that have the lowest car insurance rates include the following in the order from lowest to highest:
- Brookings, SD-1,127 yearly
- Brandon, SD-1, 131 yearly
- Tea, SD-$1, 131 yearly
- Vermillion, SD-$1,134 yearly
- Madison, SD-$1, 138 yearly
- Sioux Falls, SD-$1, 139 yearly
- Lennox, SED-$1, 129 yearly
What is the average price for auto insurance in South Dakota?
The average price for auto insurance in South Dakota can range depending on where in South Dakota you live. Typically, residents in South Dakota will pay up to $760 a year for basic liability coverage.
Who has the cheapest car insurance in South Dakota?
How much is car insurance in South Dakota for a first-time driver?
The cost of car insurance in South Dakota for a first-time driver, can range in price from as low as $2,500 a year and can go as high as $4,000 a year. This price will drop after the driver reaches the age of 21.
How to get the cheapest car insurance in South Dakota?
The best way to get the cheapest car insurance in South Dakota is to compare rates from insurance companies near you. Don’t assume the first quote you receive is the cheapest. Also, make sure to do you research into possible car insurance savings with certain companies and take a look at cheap monthly car insurance if this is a short term need.
How much is cargo insurance in South Dakota?
Cargo insurance in South Dakota can start off as low as $2,000 yearly and cost as high as $7,000 for a yearly premium. This depends on the type of cargo insurance purchased such as oil transport liability, hazmat liability, household goods liability or general freight liability.
Why is car insurance so expensive in South Dakota?
There are many reasons why car insurance can be expensive in South Dakota. Some of these reasons can include:
- Personal driving record.
- Rise of state or insurance taxes in South Dakota.
- The rise of inflation.
How much does full coverage car insurance cost in South Dakota?
Full coverage car insurance in South Dakota can cost as high as $2,500 to $3,000 for a yearly premium. This can differ based on the county, personal driving record and type of car that is insured. Get a full coverage insurance quote to find out how much it will be for you.
In South Dakota, how to find the lowest car insurance rates?
In South Dakota, the best way to find the lowest car insurance rates is to shop around and receive car insurance cost from various car insurance companies near you. See if you can also find car insurance without deposit required.
How much does car insurance cost for a teenager in South Dakota?
Car insurance for a teenager in South Dakota can vary in price from as low as $2,500 a year for basic liability and can go as high as $4,000 a year. This depends on the county the teen lives in and the policy of the parent or guardian they are under. To get cheap insurance for teens fill out our form above and compare quotes.
Who has the best auto insurance rates in South Dakota?
The insurance company that has the best insurance rates in South Dakota is State Farm. They offer some of the cheapest insurance rates based on county and offer the best coverage for the money you pay. For the best collector car insurance companies we have a more in depth review.
Who has the most expensive car insurance rates in South Dakota?
The insurance company that offers the most expensive car insurance rates in South Dakota is Allied. For basic liability insurance, Allied offers rates starting at $1,164 for a yearly premium.
How much is commercial auto insurance in South Dakota?
The cost of commercial auto insurance in South Dakota can vary in price depending on the type of cargo insurance coverage required for your company. The price can range between $750 to $1,200 per vehicle for a yearly premium.
How much will a speeding ticket raise the cost of auto insurance in South Dakota?
A speeding ticket can raise the cost of auto insurance in South Dakota by $25 to $75 in additional fees a month. This depends on the severity of the speeding ticket and how long it stays on your driving record.
What is the average price for auto liability insurance in South Dakota?
The average price for car liability insurance in South Dakota is approximately $767 a year. This varies based on the county the vehicle is insured in and the type of vehicle being insured.
How much is average car insurance for a 24 year old in South Dakota?
The average car insurance for a 24 year old in South Dakota can start at $800 a year for basic liability insurance and can cost as high as $2,000 a year for full coverage. This will vary based on the driver’s personal driving record.
How to lower motorcycle insurance in South Dakota?
When getting an online motorcycle insurance quote keep in mind that there are a few areas that could help you save. Look for driver training courses and bundling discounts to get the best savings.
Auto Insurance Companies in South Dakota
In this frequently asked question section, you will find commonly asked questions pertaining to insurance companies in South Dakota.
Which auto insurance companies can write policies in South Dakota?
Nearly all auto insurance companies in South Dakota can write policies for drivers. As long as the driver has a valid driver’s license and the first month’s payment for coverage. So next time your car insurance renewal comes due you can compare as many companies as you like to find the best rate.
What steps does an insurance company in South Dakota take when totaling a car?
The steps that an insurance company in South Dakota will take when you total a car happens the moment you file an insurance claim. From there the insurance will take into account who caused the accident, the cost of the overall damage done to the car and will send out a check for a replacement car if you did not cause the accident.
How do car insurance companies in South Dakota handle car accident claims?
Car insurance companies in South Dakota handle car accident claims by considering factors before issuing a check to cover damages such as:
- Considering accident reports.
- Considering police reports.
- Determining who caused the accident.
In South Dakota, which insurance company pays the medical bills in an auto accident?
In South Dakota, the car insurance company that covers the medical bills in an auto accident is the insurance company of the driver who is responsible for the car accident.
What violations are reported to insurance companies in South Dakota?
The type of violations that are reported to insurance companies in South Dakota include:
- DUI’s of driving under the influence of an illegal substance
- Speeding violations
- Car accidents
- Car accidents
- Lack of insurance
Loss of Auto Insurance in South Dakota
In this section, you will find commonly asked questions regarding the lack of auto insurance in South Dakota.
How to get a no proof of car insurance ticket in South Dakota?
The only way to get a no proof of car insurance ticket in South Dakota is to be pulled over by a police officer while driving an uninsured car or by being reported for lack of insurance by the Department of Motor vehicles in South Dakota.
In South Dakota, what do you do when an auto insurance company drops you?
When an auto insurance company drops you from its policy in South Dakota, you will need to find another insurance company to be insured through as soon as possible. Not having insurance can result in serious fines. You may have a good experience with a local car insurance company.
How much is the fine for having no insurance in South Dakota?
The fine for having no insurance in South Dakota can start between $100 to $500 for the first offense. It can go as high as $1,000 or over and result in jail time or loss of driving privileges for the second offense.
What is the penalty for driving with no car insurance in South Dakota?
The penalty for driving with no car insurance in South Dakota will vary based on the number of offenses. For the first offense, it will result in a fine. For the second offense, it will result in a higher fine and loss of driving privileges. For the third offense, it will result in an even higher fine and possible jail time.
In South Dakota, do you have to have auto insurance?
Yes. In South Dakota it is required by law to have a minimum of liability insurance with property damage and bodily injury coverage. Having no insurance can result in fines, loss of driving privileges and jail time.
Is SR22 insurance required in South Dakota?
If you have a DUI conviction in South Dakota there’s a good chance you will have to carry SR22. You can get a SR22 insurance quote through our quote form above.
Top Cities in South Dakota
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