Best car insurance in South Dakota for 2021
As of 2018, there are approximately 638,428 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 car insurance policy will keep you protected from contributing to the millions in property damage out of your pocket.
The best car insurance companies in South Dakota
There are hundreds of car 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 2020 J.D. Power Auto Insurance Study to comb through providers in this region and select some of the highest-rated companies servicing South Dakota.
|Provider||Average annual full coverage premium||J.D. Power customer satisfaction score|
Allstate offers extra types of coverage to round out your auto insurance policy with protections like sound system insurance, personal injury protection (PIP) and rental car insurance. It receives an A+ (Superior) rating from AM Best for financial strength, which means that Allstate is also a company that has the means to pay out its claims. There are also local agents available to help if you need them.
Progressive is a great choice for high-risk drivers, with plenty of discounts to save you extra money. With an A+ (Superior) rating for financial strength from AM Best, there is reliable claims processing. Another thing to note is that there is free coverage for your pets. There is also rideshare insurance, gap insurance and custom parts and equipment value coverage.
State Farm ties Progressive in J.D. Power’s customer satisfaction 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. There’s especially great savings with its Drive Safe and Save and Steer Clear programs.
USAA consistently wins top scores, with an A++ (Superior) score for financial strength from AM Best and a high score from J.D. Power – although it is excluded from rankings due to the fact that it only offers coverage to military members, veterans and their immediate families. It offers expanded coverage for active military and veteran drivers, offering add-ons like extended benefits coverage, roadside assistance and accident forgiveness. There are also special discounts for military drivers, like vehicle storage and military installation discounts.
Average car insurance cost in South Dakota
|Average annual premium for minimum coverage in South Dakota||Average annual premium for full coverage in South Dakota|
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
- $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.
How to get the best car insurance
Car insurance is highly personalized to each individual, so when you are looking for the best or cheapest car insurance in South Dakota, these are a few things to consider.
- Evaluate your needs: 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.
- Consider state factors: According to the South Dakota Department of Labor and Regulation, all drivers are required to have $25,000 per person in bodily injury and $50,000 per accident; property damage of $25,000 per accident; uninsured motorist of $25,000 per person and $50,000 per accident; and underinsured motorist of $25,000 per person and $50,000 per accident.
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. These are the best auto insurance discounts in South Dakota.
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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.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.