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Best car insurance in South Dakota for 2024

Updated May 01, 2024
South Dakota drivers can find the best car insurance from USAA, State Farm, Progressive, Allstate and Farmers, according to Bankrate's research.
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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 May 2024 is $2,237 per year for full coverage and $340 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
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$2,515
$347
4.3
Rating: 4.3 stars out of 5
$1,841
$309
4.2
Rating: 4.2 stars out of 5
$1,827
$218
3.9
Rating: 3.9 stars out of 5
$1,822
$568
3.8
Rating: 3.8 stars out of 5
$1,726
$415

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$210/mo

Avg. full coverage premium

$2,515/yr

Customer satisfaction

803/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$153/mo

Avg. full coverage premium

$1,841/yr

Customer satisfaction

833/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$152/mo

Avg. full coverage premium

$1,827/yr

Customer satisfaction

890/1,000

Allstate

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$152/mo

Avg. full coverage premium

$1,822/yr

Customer satisfaction

806/1,000

Farmers

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$144/mo

Avg. full coverage premium

$1,726/yr

Customer satisfaction

819/1,000

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

34.5K

ZIP codes examined

1.2M

quotes analyzed

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 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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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 May 2024. While the national average car insurance cost is $2,299 per year for full coverage and $637 for minimum coverage, the average cost of car insurance in South Dakota is $2,237 per year for full coverage and $340 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 $1,712 per year for full coverage and $366 per year for minimum coverage car insurance. Nebraska, which sits just south of South Dakota, has average annual car insurance rates of $2,303 for full coverage and $582 for minimum coverage.

City Avg. annual full coverage premium Avg. savings vs. state average

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.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute