Best South Dakota Car Insurance Companies 2020

Fact-checked with HomeInsurance.com

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

As of 2016, there are approximately 622,663 licensed drivers in South Dakota. With so many drivers on the road, there are many accidents every day. According to the South Dakota Department of Public Safety, there were 17,512 reported traffic crashes in 2016, costing $103 million in property damage. Though this might seem daunting, the good news is that these numbers have trended downward since 2015. Having a good auto insurance policy will keep you protected from contributing to the millions in property damage out of your pocket.

When you’re looking for car insurance, pay attention to customer ratings, deductibles, coverage and any discounts you might be able to take advantage of. Keep your driving history, credit score and vehicle specifications in mind so you can understand what you can expect in an annual premium.

The best car insurance companies in South Dakota

There are hundreds of auto insurance companies available nationwide, but many companies differ from state to state. Some companies are only available to specific regions. You may think that smaller companies won’t compare to the bigger ones, but they’re specialized to meet the needs of the states in these regions.

South Dakota customers get to choose from a variety of companies that service the North Central region of the U.S. We used the 2019 J.D. Power Auto Insurance Study to comb through providers in this region and select some of the highest-rated companies servicing South Dakota.

  • Geico: Geico received a 3 out of 5 power circle rating, which is still above average compared to other companies on the list. Geico is well-known for making the customer experience as easy as possible. It offers a variety of digital options for setting up your policy and paying online.
  • State Farm: State Farm receives a 4 out of 5 power circle rating in the J.D. Power survey, making it an above-average option for states in the region. With State Farm, you can choose from a variety of coverage options and enjoy multiple discounts.
  • The Hartford: The J.D. Power survey has awarded The Hartford a 4 out of 5 power circle rating for its excellent service in the North Central region. With The Hartford, you can choose some unique coverage options, including antique car insurance.
  • Westfield: Westfield Auto Insurance received the highest rating out of all auto insurance providers in the North Central region. It has a 5 out of 5 power circle rating and is known for its excellent customer service. With Westfield, you can choose from liability, collision, comprehensive, medical and personal injury coverages.
J.D. Power Rating AM Best Rating BBB Rating
Westfield 5 out of 5 A A+
State Farm 4 out of 5 A++ A+
The Hartford 4 out of 5 A+ A+
Geico 3 out of 5 A++ A+

Finding the right cheap car insurance in South Dakota for you

We can all agree that cheap car insurance is a big priority if you’re a driver. Though car insurance is a legal requirement, it can be hard to understand the benefits when you aren’t having to use it all the time. Finding the best cheap car insurance is about high-quality coverage and customer support without breaking the bank.

Your annual premium is determined by a variety of factors, including your driver history, type of car, age and gender. To determine your unique rate and the cheapest car insurance South Dakota has for you, you’ll need to get a direct quote. However, we’ve done some of the research for you so you can see how the top companies in South Dakota stack up for a variety of customer profiles.

Cheapest South Dakota car insurance for good drivers: Geico

In comparison with companies across the country, Geico offers one of the cheapest average premiums for drivers who’ve had a history of accidents. According to The Zebra, with Geico you’ll pay about $709 for your annual premium. For reference, you’ll pay $748 with State Farm and $786 with Allstate.

Cheapest South Dakota car insurance for average annual premiums: State Farm

When it comes to companies in South Dakota, State Farm takes the cake for offering one of the lowest average premiums overall. Their average is $987, while Allstate’s average is $1,615, and Geico costs about $1,650 on average.

Cheapest South Dakota car insurance for business use: Geico

If you’re using your car primarily for business use, you’ll have a different rate than if you’re using it for personal use. Out of the top four companies that we’ve selected, Geico offers the best average premium for a business-use policy at $781 per year.

Cheapest South Dakota car insurance for long-distance driving: Geico

Geico also takes the cake when it comes to drivers who use more mileage. If you drive 15,501 miles or more per year, you can receive an annual rate of about $718 compared to $752 for State Farm and $801 for Allstate.

The average cost of car insurance in South Dakota

According to the Insurance Information Institute, South Dakota is one of the cheapest states for car insurance in the U.S. Drivers spent an average of $648 on their annual expenditure for the year in 2016. Below, we’ve pulled some of the average annual costs for a variety of driver profiles.

Average cost for reckless drivers Average costs for low-credit drivers Average costs for excellent-credit drivers Average costs for young drivers (under 30)
$1,903 $2,373 $1,122 $4,101

Car insurance discounts in South Dakota

You may have noticed that average premiums seem much pricier than what your friends or family may be paying. That’s because national, regional and state averages usually don’t take into account the variety of discounts that most customers are able to add on to their premium or deductible. We’ve looked through our top four insurance companies in South Dakota and put together some of the best discounts they offer to customers.

Westfield

  • Next generation discount: The Next Generation discount with Westfield applies to younger drivers who’ve started on their parent’s account and moved on to have their own policy once they reach of age. These drivers are eligible for a discount of up to 10%.
  • Loyalty discount: Many companies will offer a loyalty discount to reward good customers. With Westfield, this discount is for customers who’ve been with the company for years.
  • Good student discount: Westfield offers a common discount for good drivers if they meet minimum criteria for their grades. This discount helps lower costs for young drivers who don’t otherwise have a driving history they can use to help lower their premiums.

State Farm

  • Accident-free discount: With State Farm, you’re eligible for a discount if you’ve been a customer for at least three consecutive years without having an accident.
  • Vehicle safety discount: Newer cars with updates safety features can reap you benefits when it comes to insurance. Many companies offer discounts for equipment and more modern models. With State Farm, you may be eligible for a discount if your vehicle is newer than 1994.
  • Driver training discount: Similar to a good student discount, the driver training discount is for young students under 21 who’ve completed a driver education course. This helps the company to know that you’ve been trained in driving and less likely to get in an accident.

The Hartford

  • Safe vehicle discounts: Having modern safety features in your car will get you great discounts with most companies. With The Hartford, you’ll get a discount for having an anti-theft device, multiple airbags and hybrid or electric fuel types.
  • Paid-in-full discount: If you’re able to pay your bill in full up-front, you’ll receive a discount on the overall premium.
  • Bundle insurance discount: If you choose to partner with The Hartford for your auto and home insurance, you’ll save up to 5% on your auto insurance.

Geico

  • Multi-vehicle discount: If you have multiple vehicles on your policy or on separate policies, Geico will reward you for your customer loyalty with a 25% discount.
  • Seat belt use discount: If you’re known to use your seatbelt while you drive, you can be eligible for a 15% discount on the medical or PIP portions of your policy.
  • Good driver discount: Geico has one of the best discounts for good drivers. If you’ve gone five years without an accident, you get a 26% discount.

State minimum insurance requirements in South Dakota

According to the South Dakota Department of Labor and Regulation, all drivers are required to have coverage for $25,000/$50,000 bodily injury or death, $25,000 property damage and $25,000/$50,000 uninsured/underinsured motorists.

This means that your policy needs to cover $25,000 per person if you’re liable for an accident that caused injury or death and up to $50,000 for all persons in an accident. Your policy will also cover up to $25,000 in property damage (usually repairs for the other person’s car). The $25,000/$50,000 for uninsured/underinsured motorist coverage will cover you for any medical costs that incur if you’re hit by an uninsured driver.

Frequently asked questions

What is the cheapest car insurance in South Dakota?

State Farm has the lowest average premium for car insurance in South Dakota. However, your premium will vary depending on your driving history, age, gender, grades (if applicable) and credit history.

What information is needed to get car insurance in South Dakota?

To get car insurance in South Dakota, you’ll need to prepare some personal documents, such as your passport or another proof of citizenship, your social security card and proof of your home address. The specific types of documents required may vary from state to state.

What are the requirements for car insurance in South Dakota?

By law, South Dakota requires certain minimum coverage car insurance:

  • $25,000/$50,000 bodily injury
  • $25,000 property damage
  • $25,000/$50,000 uninsured/underinsured motorist

What is the best car insurance in South Dakota?

The best car insurance companies in South Dakota are Westfield, State Farm, The Hartford and Geico. They’re each known for offering excellent customer service, affordable premiums and a wide variety of coverage options and discounts.