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Best car insurance in South Dakota for 2024
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in South Dakota
According to Bankrate’s analysis of average rate data from Quadrant Information Services, the average cost of car insurance in South Dakota for February 2024 is $1,939 per year for full coverage and $334 for minimum coverage car insurance. Our research also determined that the best car insurance companies in South Dakota include USAA, State Farm, Progressive, Allstate and Farmers.
In addition to weighing average rate data from these companies, we also considered other factors, including J.D. Power rankings, AM Best and Standard & Poor’s (S&P) financial strength ratings, each company’s coverage offerings, discounts and digital assets. We used this information to issue each company a Bankrate Score with a maximum score of 5.0, which can be useful for South Dakota drivers to consider when weighing their car insurance options.
Insurance company |
Bankrate score
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$2,346
|
$353
|
|
4.2
|
$1,665
|
$203
|
|
4.3
|
$1,686
|
$299
|
|
3.9
|
$1,700
|
$487
|
|
3.8
|
$1,749
|
$377
|
Progressive
4.4
4.4
Avg. full coverage premium
$195/mo
Avg. full coverage premium
$2,346/yr
Customer satisfaction
803/1,000
-
Why Progressive made our list: Progressive offers lower average rates for high-risk drivers than many of the alternatives. The car insurance company also provides a suite of digital tools for drivers to manage their policies, claims and more, making it an option worth considering for drivers with a few dings on their driving records, or those who prefer to manage their policies via an app or website. Progressive also offers a range of coverage options and several potential discounts to eligible drivers.
Read full Progressive review
USAA
4.2
4.2
Avg. full coverage premium
$139/mo
Avg. full coverage premium
$1,665/yr
Customer satisfaction
890/1,000
-
Why USAA made our list: USAA consistently scores highly on J.D. Power reports, but it is technically ineligible for ranking because coverage is only available to current and former military members and their immediate families. Military-focused discount options include potential savings for garaging a vehicle on base and lower rates while you're deployed. USAA has a superior financial strength rating from AM Best and offers highly competitive average rates.
Read full USAA Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$140/mo
Avg. full coverage premium
$1,686/yr
Customer satisfaction
833/1,000
-
Why State Farm made our list: State Farm offers low average rates on car insurance in South Dakota for both full and minimum coverage. The company also scored in the top five companies for the Central region in the 2023 J.D. Power U.S. Auto Insurance Study for overall customer satisfaction and offers a robust network of local agents who specialize in their markets. Those who are looking for a brick-and-mortar company to issue their car insurance policy may find State Farm’s offerings attractive.
Read full State Farm review
Allstate
3.9
3.9
Avg. full coverage premium
$142/mo
Avg. full coverage premium
$1,700/yr
Customer satisfaction
806/1,000
-
Why Allstate made our list: Allstate offers several add-on coverage options, like custom equipment coverage and rideshare coverage. And while the company doesn’t have the most competitive average car insurance rates, it does offer several potential discounts that may help drivers lower the cost of their premiums, including a hefty potential bundling discount for drivers who purchase other types of policies from Allstate. In addition, Allstate offers an array of digital tools to help drivers manage policies and claims.
Read full Allstate review
Farmers
3.8
3.8
Avg. full coverage premium
$146/mo
Avg. full coverage premium
$1,749/yr
Customer satisfaction
819/1,000
-
Why Farmers made our list: Of the companies on our list, Farmers offers some of the lowest average rates for car insurance in South Dakota. The company also offers a range of unique coverage options and customization options compared to its competitors, allowing drivers to pick and choose what they want included with their policies. Farmers has also historically scored well on financial strength with AM Best, where it earns an "A" (excellent) rating.
Read full Farmers review
How Bankrate chose the best car insurance companies in South Dakota
Bankrate compiles the Bankrate Score by weighing average rate data from Quadrant Information Services, financial strength ratings from AM Best, customer satisfaction ratings from J.D. Power, coverage options and availability, as well as the portion of insurance market share held. Shoppers may be able to better identify which insurers are the best fit for them by using our Scores as part of the process.
Why you can trust Bankrate
Read our full methodologyTo help South Dakota drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
20.7K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in South Dakota
Each driver has unique circumstances that will impact their search and their costs when shopping for car insurance, so the best company will vary for each driver. However, there are some steps you can take to help ensure you are getting the best coverage for your needs.
Related content:
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Answer a few questions to see personalized rates from top carriers in South Dakota
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in South Dakota?
South Dakota car insurance is generally cheaper than it is in the country as a whole in February 2024. While the national average car insurance cost is $2,545 per year for full coverage and $741 for minimum coverage, the average cost of car insurance in South Dakota is $1,939 per year for full coverage and $334 for minimum coverage.
Car insurance rates vary by state due to several factors, including the likelihood of accidents, the cost of medical care and the cost of repairing vehicles, as well as the risk of severe weather issues or other related factors. In comparison, the neighboring state of North Dakota has annual average rates of $1,655 per year for full coverage and $362 per year for minimum coverage car insurance. Nebraska, which sits just south of South Dakota, has average annual car insurance rates of $1,994 for full coverage and $516 for minimum coverage.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Renner | $1,795 | -8% |
Tea | $1,748 | -10% |
Sioux Falls | $1,788 | -8% |
Big Stone City | $1,881 | -3% |
Brandt | $1,838 | -5% |
Lake Norden | $1,877 | -3% |
Raymond | $1,947 | +0% |
Stratford | $1,863 | -4% |
Vivian | $2,294 | +17% |
Dante | $1,997 | +3% |
Miller | $2,148 | +10% |
Virgil | $1,935 | -0% |
Woonsocket | $1,961 | +1% |
Brentford | $2,002 | +3% |
Doland | $2,075 | +7% |
Armour | $2,053 | +6% |
Avon | $1,963 | +1% |
Bridgewater | $1,860 | -4% |
Chamberlain | $2,219 | +13% |
Saint Lawrence | $2,109 | +8% |
Andover | $1,915 | -1% |
Box Elder | $2,232 | +14% |
Oldham | $1,848 | -5% |
Utica | $1,917 | -1% |
Eden | $1,917 | -1% |
Lake Preston | $1,879 | -3% |
Ortley | $1,880 | -3% |
Roslyn | $1,934 | -0% |
Veblen | $1,927 | -1% |
Emery | $1,887 | -3% |
Kimball | $2,127 | +9% |
Oacoma | $2,243 | +15% |
Parkston | $1,924 | -1% |
Amherst | $1,896 | -2% |
Hecla | $1,915 | -1% |
Lebanon | $2,073 | +7% |
Ramona | $1,851 | -5% |
Salem | $1,877 | -3% |
Tabor | $1,922 | -1% |
Viborg | $1,836 | -5% |
Hayti | $1,872 | -4% |
New Effington | $1,900 | -2% |
Strandburg | $1,866 | -4% |
Summit | $1,874 | -3% |
Arlington | $1,825 | -6% |
Castlewood | $1,848 | -5% |
Twin Brooks | $1,865 | -4% |
Cresbard | $2,026 | +4% |
Eureka | $2,123 | +9% |
Ferney | $1,876 | -3% |
Frederick | $1,902 | -2% |
Toronto | $1,826 | -6% |
Black Hawk | $2,284 | +16% |
Alpena | $1,973 | +2% |
Fulton | $1,929 | -1% |
Lake Andes | $2,110 | +8% |
Ree Heights | $2,136 | +10% |
Spencer | $1,887 | -3% |
Wessington Springs | $2,068 | +6% |
Groton | $1,865 | -4% |
Java | $2,169 | +11% |
Webster | $1,932 | -0% |
White | $1,770 | -9% |
Willow Lake | $1,944 | +0% |
Dimock | $2,010 | +4% |
Stephan | $2,230 | +14% |
Wagner | $2,004 | +3% |
Hosmer | $2,006 | +3% |
Artesian | $1,965 | +1% |
Cavour | $1,936 | -0% |
Ethan | $2,000 | +3% |
Gann Valley | $2,175 | +11% |
Huron | $1,925 | -1% |
Kaylor | $1,905 | -2% |
White Lake | $2,069 | +6% |
Yale | $1,930 | -0% |
Barnard | $1,866 | -4% |
Bowdle | $2,055 | +6% |
Fairview | $1,810 | -7% |
Lennox | $1,792 | -8% |
Olivet | $1,941 | +0% |
Worthing | $1,794 | -8% |
Watertown | $1,734 | -11% |
Beresford | $1,775 | -9% |
Chester | $1,875 | -3% |
Crooks | $1,793 | -8% |
Hurley | $1,833 | -6% |
Corona | $1,861 | -4% |
Marvin | $1,873 | -3% |
Wallace | $1,897 | -2% |
Irene | $1,914 | -1% |
Jefferson | $1,782 | -8% |
Monroe | $1,877 | -3% |
Dell Rapids | $1,822 | -6% |
Egan | $1,783 | -8% |
Freeman | $1,906 | -2% |
Hudson | $1,795 | -8% |
Madison | $1,825 | -6% |
Tolstoy | $2,059 | +6% |
Westport | $1,882 | -3% |
Dallas | $2,298 | +17% |
Harrold | $2,245 | +15% |
Rapid City | $2,210 | +13% |
Volga | $1,762 | -10% |
Volin | $1,917 | -1% |
Wentworth | $1,856 | -4% |
Clark | $1,943 | +0% |
De Smet | $1,884 | -3% |
Milbank | $1,837 | -5% |
Stockholm | $1,845 | -5% |
Vienna | $1,914 | -1% |
Tyndall | $1,922 | -1% |
Wakonda | $1,889 | -3% |
Bristol | $1,909 | -2% |
Clear Lake | $1,836 | -5% |
Goodwin | $1,843 | -5% |
Hazel | $1,846 | -5% |
Labolt | $1,838 | -5% |
Rutland | $1,825 | -6% |
Valley Springs | $1,783 | -8% |
Alcester | $1,786 | -8% |
Brandon | $1,770 | -9% |
Flandreau | $1,750 | -10% |
Lesterville | $1,927 | -1% |
Nunda | $1,824 | -6% |
Roscoe | $2,052 | +6% |
Baltic | $1,846 | -5% |
Burbank | $1,778 | -9% |
Canton | $1,808 | -7% |
Davis | $1,838 | -5% |
Elk Point | $1,766 | -9% |
Humboldt | $1,842 | -5% |
Waubay | $1,906 | -2% |
Bonesteel | $2,250 | +15% |
Pickstown | $2,073 | +7% |
Britton | $1,933 | -0% |
Brookings | $1,725 | -12% |
Harrisburg | $1,776 | -9% |
Hartford | $1,811 | -7% |
Marion | $1,865 | -4% |
Montrose | $1,859 | -4% |
Scotland | $1,923 | -1% |
Sinai | $1,782 | -8% |
Springfield | $1,951 | +1% |
Winfred | $1,880 | -3% |
Yankton | $1,886 | -3% |
Bryant | $1,882 | -3% |
Grenville | $1,931 | -0% |
Kranzburg | $1,843 | -5% |
Colman | $1,807 | -7% |
Gayville | $1,846 | -5% |
Rockham | $2,046 | +5% |
Seneca | $2,053 | +6% |
Onida | $2,173 | +11% |
Kennebec | $2,281 | +16% |
Alexandria | $1,915 | -1% |
Canova | $1,895 | -2% |
Harrison | $2,072 | +7% |
Iroquois | $1,906 | -2% |
Lane | $1,945 | +0% |
Tripp | $1,937 | -0% |
Wessington | $2,047 | +5% |
Conde | $1,949 | +1% |
Hoven | $2,181 | +12% |
Langford | $1,925 | -1% |
Leola | $2,090 | +7% |
Carpenter | $1,944 | +0% |
Delmont | $1,934 | -0% |
Fedora | $1,922 | -1% |
Mitchell | $1,872 | -3% |
Corsica | $2,064 | +6% |
Hitchcock | $2,019 | +4% |
Letcher | $1,945 | +0% |
Pukwana | $2,178 | +12% |
Wolsey | $1,963 | +1% |
Aberdeen | $1,805 | -7% |
Columbia | $1,870 | -4% |
Frankfort | $2,032 | +5% |
Ipswich | $1,973 | +2% |
Astoria | $1,829 | -6% |
Bradley | $1,938 | -0% |
Garden City | $1,935 | -0% |
Peever | $1,889 | -3% |
Vermillion | $1,761 | -10% |
Badger | $1,838 | -5% |
Bruce | $1,776 | -9% |
Claire City | $1,882 | -3% |
Florence | $1,829 | -6% |
Gary | $1,857 | -4% |
South Shore | $1,860 | -4% |
Chancellor | $1,833 | -6% |
Colton | $1,841 | -5% |
Elkton | $1,780 | -9% |
Garretson | $1,806 | -7% |
Menno | $1,936 | -0% |
Mission Hill | $1,905 | -2% |
Orient | $2,081 | +7% |
Pierpont | $1,938 | -0% |
Saint Charles | $2,242 | +14% |
Mound City | $2,152 | +10% |
Blunt | $2,198 | +13% |
Wilmot | $1,894 | -2% |
Carthage | $1,907 | -2% |
Fairfax | $2,257 | +15% |
Geddes | $2,117 | +9% |
Highmore | $2,256 | +15% |
Howard | $1,908 | -2% |
New Holland | $2,046 | +5% |
Plankinton | $2,030 | +5% |
Platte | $2,116 | +9% |
Stickney | $2,069 | +6% |
Akaska | $2,141 | +10% |
Ashton | $2,039 | +5% |
Bath | $1,868 | -4% |
Houghton | $1,909 | -2% |
Marty | $1,947 | +0% |
Mount Vernon | $2,009 | +4% |
Claremont | $1,916 | -1% |
Faulkton | $2,068 | +6% |
Gettysburg | $2,179 | +12% |
Long Lake | $2,062 | +6% |
Redfield | $2,082 | +7% |
Holabird | $2,262 | +15% |
Erwin | $1,850 | -5% |
Estelline | $1,857 | -4% |
Lake City | $1,910 | -2% |
Rosholt | $1,886 | -3% |
Sisseton | $1,911 | -1% |
Aurora | $1,749 | -10% |
Canistota | $1,878 | -3% |
Centerville | $1,865 | -4% |
North Sioux City | $1,800 | -7% |
Henry | $1,836 | -5% |
Revillo | $1,853 | -5% |
Parker | $1,846 | -5% |
Trent | $1,810 | -7% |
Northville | $1,962 | +1% |
Onaka | $2,025 | +4% |
Tulare | $2,083 | +7% |
Turton | $2,034 | +5% |
Warner | $1,858 | -4% |
Mobridge | $2,147 | +10% |
Mellette | $2,017 | +4% |
Pierre | $2,105 | +8% |
Glenham | $2,140 | +10% |
Mansfield | $1,888 | -3% |
Selby | $2,142 | +10% |
Fort Pierre | $2,242 | +15% |
Gregory | $2,278 | +16% |
Herrick | $2,258 | +15% |
Ellsworth Afb | $2,243 | +15% |
Agar | $2,189 | +12% |
Herreid | $2,193 | +12% |
Estimate your car insurance cost in South Dakota
To help make your search for affordable coverage easier, Bankrate created this handy calculator tool that will give you a benchmark figure to keep in mind when you ask for quotes. Just input a few key facts and you'll get an estimate of what you are likely to pay for your car insurance in SD.
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.