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Best car insurance in South Dakota for 2023

Updated Apr 13, 2023
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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 2023 is $1,553 per year for full coverage and $276 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 scores, 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 may be useful for South Dakota drivers to consider when weighing their car insurance options.

USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central)
879
/1,000
Average monthly full coverage premium
$116
Average annual full coverage premium
$1,389
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central)
843
/1,000
Average monthly full coverage premium
$96
Average annual full coverage premium
$1,148
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central)
820
/1,000
Average monthly full coverage premium
$145
Average annual full coverage premium
$1,734
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central)
816
/1,000
Average monthly full coverage premium
$131
Average annual full coverage premium
$1,577
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central)
828
/1,000
Average monthly full coverage premium
$111
Average annual full coverage premium
$1,326
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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.

USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central)
879
/1,000
Average monthly minimum coverage premium
$15
Average annual minimum coverage premium
$181
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central)
843
/1,000
Average monthly minimum coverage premium
$18
Average annual minimum coverage premium
$216
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central)
820
/1,000
Average monthly minimum coverage premium
$28
Average annual minimum coverage premium
$332
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central)
816
/1,000
Average monthly minimum coverage premium
$28
Average annual minimum coverage premium
$335
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central)
828
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$271
Powered by Coverage.com (NPN: 19966249)
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.

*USAA not officially ranked due to eligibility requirements

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.

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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 for military-focused coverage options

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 879 AM Best: A++

Average annual premium

$ 1,389 for full coverage
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Why USAA made our list: USAA regularly scores among the top carriers on the J.D. Power Report. However, it does not qualify for official ranking due to its membership requirements, which are limited to active-duty military, veterans and qualifying family members. If you are eligible to qualify, however, the company offers competitive average rates and has military-coverage options, discounts and perks that may be difficult to find elsewhere. With the combination of low average premiums, specialized coverage options, and high customer satisfaction rates, USAA may be an option worth considering if you’re looking for the best South Dakota auto insurance companies.

Who USAA may be good for: USAA may be a good choice for eligible drivers seeking military-focused coverage options. However, USAA coverage is restricted to eligible military members and their families.

Best for personalized experience through a local agent

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 843 AM Best: A++

Average annual premium

$ 1,148 for full coverage
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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 region on the 2022 J.D. Power Report 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 car insurance company option when searching for a car insurance policy may find it useful to consider what State Farm offers to drivers.

Who State Farm may be good for: State Farm may be a good choice for drivers looking to work with local agents instead of digital alternatives.

Best for high-risk drivers

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 820 AM Best: A+

Average annual premium

$ 1,734 for full coverage
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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.

Who Progressive may be good for: Progressive may be a good fit for drivers looking for low average rates despite being labeled as a high-risk driver.

Best for bundling coverage

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 816 AM Best: A+

Average annual premium

$ 1,577 for full coverage
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Why Allstate made our list: In addition to all of the expected car insurance coverage options, Allstate also 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 also purchase other types of policies from Allstate. In addition, Allstate offers an array of digital tools to help drivers manage policies and claims.

Who Allstate may be good for: Allstate may be a good choice for drivers looking to save money on two policies by bundling them together for savings, like auto and home insurance.

Best for customized policies

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 828 AM Best: A

Average annual premium

$ 1,326 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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.

Who Farmers might be good for: Farmers might be a good choice for drivers that are interested in a range of endorsement and policy customization options.

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.

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 2023. While the national average car insurance cost is $2,014 per year for full coverage and $622 for minimum coverage, the average cost of car insurance in South Dakota is $1,553 per year for full coverage and $276 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 $1,302 per year for full coverage and $269 per year for minimum coverage car insurance. Nebraska, which sits just south of South Dakota, has average annual car insurance rates of $1,624 for full coverage and $359 for minimum coverage.

Average annual premium for full coverage in South Dakota Average annual premium for minimum coverage in South Dakota
$1,553 $276

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. 

Consider minimum insurance requirements in South Dakota

Despite having a low average cost for minimum coverage, South Dakota’s car insurance laws require drivers to carry more kinds of coverage than many states. Drivers in South Dakota are required to carry at least minimum limits of bodily injury liability, property damage liability, uninsured motorist bodily injury and underinsured motorist bodily injury coverage. While minimum coverage can result in cheap premiums, you should know that it offers very little financial protection. Many drivers choose to buy higher limits of liability to further protect their finances.

Consider lender requirements

If you lease or finance your vehicle, you likely have more insurance requirements to consider than just your state’s laws. Generally, you’ll have to carry full coverage, which includes comprehensive coverage and collision coverage. Because these coverage types provide coverage for damage to your vehicle, they help protect the lender or lessor, since they have a financial interest in the vehicle. Although it’s not usually required, gap insurance may also be a good option. This coverage is designed to pay for the difference between your totaled or stolen vehicle and the balance on your loan.

Consider your individual needs

State and financing requirements aren’t the only factors that can affect what car insurance company and coverage options you choose. Your own unique circumstances will also play a role. For example, households with teen drivers may have different needs than households with only adult drivers. You might look for a company with teen driver discounts or low average rates for young drivers, for example. Understanding your own situation and searching for companies that can match your needs could help you find coverage that fits your lifestyle.

Frequently asked questions

Written by
Joshua Cox-Steib
Insurance Contributor

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

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