Cheap Auto Insurance Quotes in South Dakota

Discover the best deals on car insurance in The Mount Rushmore State with Insureist™
Get your personalized car insurance quote in minutes
Compare Auto Insurance Quotes
  Fast, easy, secure
  Get a quote in minutes

South Dakota Car Insurance Averages for Annual Premiums

$314
Minimum Coverage Average
$1597
Full Coverage Average
$872
All Coverage Types Average

Save Big on South Dakota Vehicle Insurance

South Dakota seems to have it all. Even low car insurance premiums thanks to the help of Insureist™.

South Dakota is home to 168000 miles of roadway.  Drivers in South Dakota have 38.8 vehicles registered per 100 people living in the state.  With a total of 343000 vehicles registered, a solid vehicle insurance policy is critical for every South Dakota driver.

 

Cheapest Car Insurance in South Dakota

Getting cheap car insurance in South Dakota doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get South Dakota affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

Save $$$ On Your Auto Insurance
Let Insureist™ Put Money Back In Your Pocket
Get Your Quote In Minutes

Best Car Insurance in South Dakota

The Insureist™ Data Science team ranks the best insurance companies in South Dakota using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in South Dakota are determined based on these results.

Car Insurance in South Dakota

South Dakota Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in South Dakota to give you an idea of the average insurance premium in each city.  SD insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

Save $$$ On Your Auto Insurance
Let Insureist™ Put Money Back In Your Pocket
Get Your Quote In Minutes

Types of South Dakota Car Insurance Quotes

The cheapest insurance companies in South Dakota will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in South Dakota. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of South Dakota.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for SD car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for SD auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some SD insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

South Dakota SR‌-22 Insurance

You will need to get SR‌-22 insurance in SD if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in SD files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - South Dakota Car Insurance & Driving Facts

Which car insurance is best in South Dakota?

The best car insurance company in South Dakota will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple SD insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in South Dakota?

The minimum auto insurance liability coverage required in the state of South Dakota is 25/50/25. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in South Dakota, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional SD auto insurance coverage depending on your financial situation.

How much does car insurance cost in South Dakota?

The average annual cost of an auto insurance policy in South Dakota is $872. The average minimum coverage annual cost in South Dakota is $314. The average full coverage annual cost in South Dakota is $1597.

How does car insurance work in South Dakota?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in South Dakota?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

South Dakota Map

South Dakota

Vehicle Insurance

Cities

South Dakota () is a U.S. state in the Upper Midwest region of the United States. It is named after the Lakota and Dakota Sioux Native American tribes, who comprise a large portion of the population and historically dominated the territory. South Dakota is the seventeenth largest by area, but the 5th least populous, and the 5th least densely populated of the 50 United States. As the southern part of the former Dakota Territory, South Dakota became a state on November 2, 1889, simultaneously with North Dakota. It is either the 39th or 40th state admitted to the union. President Benjamin Harrison shuffled the statehood papers before signing them so that no one could tell which became a state first.Pierre is the state capital and Sioux Falls, with a population of about 187,200, is South Dakota's largest city.

South Dakota is bordered by the states of North Dakota (to the north), Minnesota (to the east), Iowa (to the southeast), Nebraska (to the south), Wyoming (to the west), and Montana (to the northwest). The state is bisected by the Missouri River, dividing South Dakota into two geographically and socially distinct halves, known to residents as "East River" and "West River".

Eastern South Dakota is home to most of the state's population, and the area's fertile soil is used to grow a variety of crops. West of the Missouri River, ranching is the predominant agricultural activity, and the economy is more dependent on tourism and defense spending. Most of the Native American reservations are in West River. The Black Hills, a group of low pine-covered mountains sacred to the Sioux, are in the southwest part of the state. Mount Rushmore, a major tourist destination, is there. South Dakota has a temperate continental climate, with four distinct seasons and precipitation ranging from moderate in the east to semi-arid in the west. The state's ecology features species typical of a North American grassland biome.

Humans have inhabited the area for several millennia, with the Sioux becoming dominant by the early 19th century. In the late 19th century, European-American settlement intensified after a gold rush in the Black Hills and the construction of railroads from the east. Encroaching miners and settlers triggered a number of Indian wars, ending with the Wounded Knee Massacre in 1890. Key events in the 20th century included the Dust Bowl and Great Depression, increased federal spending during the 1940s and 1950s for agriculture and defense, and an industrialization of agriculture that has reduced family farming.

While several Democrats have represented South Dakota for multiple terms in both chambers of Congress, the state government is largely controlled by the Republican Party, whose nominees have carried South Dakota in each of the last 13 presidential elections. Historically dominated by an agricultural economy and a rural lifestyle, South Dakota has recently sought to diversify its economy in areas to attract and retain residents. South Dakota's history and rural character still strongly influence the state's culture.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

Products & Services: classic car insurance, auto insurance requirements, claims center, auto coverage, commercial auto, car insurance rates, property insurance, atfault accident, insurance requirements, professional liability, workers compensation, savings on auto, bundle and save, auto insurance discounts, specialty liability, auto repair, liability insurance, compare auto, mexico auto, rental reimbursement, home insurance, rv insurance, id cards, mutual funds, term life insurance, credit card, business owners, renters insurance, money market, compare auto insurance quotes, bank account, injury protects, vehicle insured, car insurance companies, user id, insurance company, roadside assistance, credit score, mexico auto insurance, motorcycle insurance, collision coverages, comprehensive insurance, medical payments, insurance coverage, mutual insurance company,life insurance, bodily injuries, insurance agency, teen drivers, auto insurance coverages, travel insurance, uninsured motorist, compare car insurance, insurance quotes, motorist coverage, affordable car insurance, liability coverage, car insurance quotes, financial institutions, coverage car insurance, comparing car insurance rate, accident forgiveness, term life, car insurance coverages, car insurers, insurance discounts, save on auto, drive safe, payment plans, personal loan, driver discount, saved quote, uninsuredunderinsured motorist, driving history, liability coverages, bodily injury liability, direct auto, roth ira, insurance quotes online, commercial auto insurance, retirement planning, accident medical, questions about car insurance, car insurance, personal loans, collision coverage, life events, classic cars, uninsured motorist coverage, quote online, compare auto insurance, golf cart, save money, auto insurance, insurance products, safe driving, local agents, compare car insurance quotes, pay for damage, property damage, insurance rates, collision insurance, insurance option, homeowners insurance, mobile home, identity theft, coverage options, auto insurance quotes, rideshare insurance, automobile insurance, personal information, mutual insurance, speeding ticket

Tags: auto insurance quotes South Dakota, car insurance rates South Dakota, insurance coverage South Dakota, insurance rates South Dakota, car insurance quotes South Dakota, insurance quotes South Dakota, auto insurance South Dakota, car insurers South Dakota, cheap car insurance South Dakota, car insurance coverages South Dakota, commercial auto South Dakota, roadside assistance South Dakota, car insurance South Dakota, compare car insurance South Dakota, insurance company South Dakota, insurance quoting South Dakota

Aberdeen SD, Akaska SD, Alcester SD, Alexandria SD, Alpena SD, Altamont SD, Andover SD, Antelope SD, Arlington SD, Armour SD, Artas SD, Artesian SD, Ashton SD, Astoria SD, Aurora SD, Aurora Center SD, Avon SD, Badger SD, Baltic SD, Bancroft SD, Batesland SD, Belle Fourche SD, Beresford SD, Big Stone City SD, Bison SD, Blackhawk SD, Blucksberg Mountain SD, Blunt SD, Bonesteel SD, Bowdle SD, Box Elder SD, Bradley SD, Brandon SD, Brandt SD, Brant Lake SD, Brentford SD, Bridgewater SD, Bristol SD, Britton SD, Broadland SD, Brookings SD, Bruce SD, Bryant SD, Buffalo SD, Buffalo Gap SD, Bullhead SD, Burke SD, Bushnell SD, Butler SD, Camp Crook SD, Canistota SD, Canova SD, Canton SD, Carthage SD, Castlewood SD, Cavour SD, Centerville SD, Central City SD, Chamberlain SD, Chancellor SD, Chester SD, Claremont SD, Clark SD, Clear Lake SD, Colman SD, Colome SD, Colonial Pine Hills SD, Colton SD, Columbia SD, Conde SD, Corona SD, Corsica SD, Cresbard SD, Crooks SD, Custer SD, Dakota Dunes SD, Dallas SD, Dante SD, Davis SD, De Smet SD, Deadwood SD, Dell Rapids SD, Delmont SD, Dimock SD, Doland SD, Draper SD, Dupree SD, Eagle Butte SD, Eden SD, Edgemont SD, Egan SD, Elk Point SD, Elkton SD, Emery SD, Erwin SD, Estelline SD, Ethan SD, Eureka SD, Fairburn SD, Fairfax SD, Fairview SD, Faith SD, Faulkton SD, Fedora SD, Flandreau SD, Florence SD, Forestburg SD, Fort Pierre SD, Fort Thompson SD, Frankfort SD, Frederick SD, Freeman SD, Fruitdale SD, Fulton SD, Garretson SD, Gary SD, Gayville SD, Gayville SD, Geddes SD, Gettysburg SD, Glenham SD, Goodwill SD, Goodwin SD, Green Valley SD, Gregory SD, Grenville SD, Groton SD, Harrisburg SD, Harrold SD, Hartford SD, Hayti SD, Hazel SD, Hecla SD, Henry SD, Hermosa SD, Herreid SD, Herrick SD, Hetland SD, Highmore SD, Hill City SD, Hitchcock SD, Hosmer SD, Hot Springs SD, Hoven SD, Howard SD, Hudson SD, Humboldt SD, Hurley SD, Huron SD, Interior SD, Ipswich SD, Irene SD, Iroquois SD, Isabel SD, Java SD, Jefferson SD, Kadoka SD, Kennebec SD, Keystone SD, Kimball SD, Kranzburg SD, Kyle SD, La Plant SD, Lake Norden SD, Lake Preston SD, Lane SD, Langford SD, Lead SD, Lebanon SD, Lemmon SD, Lennox SD, Leola SD, Lesterville SD, Letcher SD, Little Eagle SD, Long Lake SD, Lower Brule SD, Madison SD, Mansfield SD, Marion SD, Martin SD, Marty SD, Marvin SD, McIntosh SD, McLaughlin SD, Meadow View Addition SD, Mellette SD, Menno SD, Midland SD, Milbank SD, Miller SD, Mission SD, Mission Hill SD, Mitchell SD, Mobridge SD, Monroe SD, Montrose SD, Morningside SD, Morristown SD, Mount Vernon SD, Murdo SD, New Effington SD, New Underwood SD, Newell SD, Nisland SD, North Eagle Butte SD, North Sioux City SD, North Spearfish SD, Northville SD, Nunda SD, Oacoma SD, Oelrichs SD, Oglala SD, Okreek SD, Oldham SD, Olivet SD, Onida SD, Ortley SD, Parker SD, Parkston SD, Parmelee SD, Peever SD, Philip SD, Pickstown SD, Piedmont SD, Pierpont SD, Pierre SD, Pine Lakes Addition SD, Pine Ridge SD, Plankinton SD, Platte SD, Pollock SD, Porcupine SD, Presho SD, Pukwana SD, Quinn SD, Ramona SD, Rapid City SD, Rapid Valley SD, Ravinia SD, Raymond SD, Redfield SD, Ree Heights SD, Reliance SD, Renner Corner SD, Revillo SD, Richland SD, Rockham SD, Roscoe SD, Rosebud SD, Rosholt SD, Roslyn SD, Saint Francis SD, Saint Lawrence SD, Salem SD, Scotland SD, Selby SD, Sherman SD, Shindler SD, Sinai SD, Sioux Falls SD, Sisseton SD, Soldier Creek SD, South Shore SD, Spearfish SD, Spencer SD, Springfield SD, Stickney SD, Stockholm SD, Strandburg SD, Stratford SD, Sturgis SD, Summerset SD, Summit SD, Tabor SD, Tea SD, Timber Lake SD, Tolstoy SD, Toronto SD, Trent SD, Tripp SD, Tulare SD, Turton SD, Twin Brooks SD, Two Strike SD, Tyndall SD, Utica SD, Valley Springs SD, Veblen SD, Vermillion SD, Viborg SD, Virgil SD, Vivian SD, Volga SD, Volin SD, Wagner SD, Wakonda SD, Wall SD, Wallace SD, Wanblee SD, Ward SD, Warner SD, Wasta SD, Watertown SD, Waubay SD, Webster SD, Wessington SD, Wessington Springs SD, Westport SD, White SD, White Horse SD, White Lake SD, White River SD, Whitehorse SD, Whitewood SD, Willow Lake SD, Wilmot SD, Winner SD, Wolsey SD, Woonsocket SD, Worthing SD, Yale SD, Yankton SD
How Insureist™ Works For You
Get A Quote
1. Get A Quote
Discover the facts you need transparently and confidentiality.
Save When You Buy
2. Save When You Buy
Get clear answers so you know you made the right decision.
Sit Back & Relax
3. Sit Back & Relax
You'll get a dedicated agent that will work hard so you don't have to.
Save Money With Insureist™ - Its 100% Free
Its Time To Put Money Back In Your Pocket
Get Your Auto Insurance Quote Now

Car Insurance By State

Copyright © 2021. All Rights Reserved.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram