automobile insurance IN South Dakota 2022 : south dakota car insurance,insurance dakota,car insurance south dakota,car insurance in south dakota part 1,car insurance in south dakota part 2,south dakota medical insurance,best auto insurance in south dakota,cheap auto insurance south dakota,south dakota auto insurance quotes Our study showed that car insurance in South Dakota costs about 4% less, on average, than insurance paid by drivers in other states.
How Much Does Car Insurance Cost in South Dakota?
It’s important to note that not all of the top insurance companies that sell insurance to South Dakota drivers charge the same rates or provide the same amount of coverage. There are a number of factors that determine car insurance rates for residents of South Dakota, including age, gender, safety record and credit score as well as where in the state the driver lives.
| COMPANY | AVERAGE ANNUAL RATE |
| Farmers Mutual | $1,026 |
| USAA | $1,051 |
| Nationwide | $1,060 |
| State Farm | $1,082 |
| American Family Insurance | $1,226 |
| Geico | $1,234 |
| Statewide Average | $1,272 |
| Farmers Insurance | $1,403 |
| North Star Mutual | $1,459 |
| Progressive | $1,476 |
| Allstate | $1,707 |
Cheapest Car Insurance for You in South Dakota
Our study data shows that Farmers Mutual has the cheapest car insurance rates in South Dakota, on average, with USAA and Nationwide close behind as the next cheapest options.
South Dakota Rates for Teen Drivers
| COMPANY | 17-YEAR-OLD FEMALES | 17-YEAR-OLD MALES |
| Allstate | $7,672 | $9,110 |
| American Family | $2,787 | $3,029 |
| Farmers Insurance | $5,959 | $6,462 |
| Farmers Mutual | $2,599 | $3,025 |
| Geico | $3,089 | $4,268 |
| Nationwide | $3,163 | $3,716 |
| North Star Mutual | $3,298 | $3,723 |
| Progressive | $6,631 | $7,373 |
| State Farm | $2,447 | $3,151 |
| USAA | $2,521 | $2,924 |
| Statewide Average | $4,017 | $4,678 |
Our study data shows that insurance rates throughout the country, on average, tend to be highest for younger, less experienced drivers and decrease with age. South Dakota is no exception. In fact, some insurance companies in South Dakota charge teen drivers thousands of dollars more for insurance than older drivers, with Allstate charging the most and State Farm, Farmers Mutual and USAA charging the least.
Gender, too, is a factor. Depending on the insurance company, in South Dakota a 17-year-old male driver could pay anywhere from a hundred dollars to over a thousand dollars more for insurance, on average, than a 17-year-old female driver.
South Dakota Rates for Young Adults (automobile insurance )
| COMPANY | 25-YEAR-OLD FEMALES | 25-YEAR-OLD MALES |
| Allstate | $1,861 | $2,023 |
| American Family | $1,369 | $1,449 |
| Farmers Insurance | $1,548 | $1,682 |
| Farmers Mutual | $1,220 | $1,359 |
| Geico | $1,355 | $1,513 |
| Nationwide | $1,228 | $1,326 |
| North Star Mutual | $1,525 | $1,525 |
| Progressive | $1,849 | $2,030 |
| State Farm | $1,169 | $1,308 |
| USAA | $1,196 | $1,369 |
| Statewide Average | $1,432 | $1,558 |
In South Dakota, young adults pay far less than teen drivers, and only slightly more – a few hundred dollars, on average – than older drivers. Gender also comes into play: 25-year-old female drivers pay less than their male counterparts, on average. Of the major auto insurance companies in South Dakota in our study, Allstate offers the highest rates for female drivers while Progressive offers the highest rates for male drivers. State Farm offers the lowest rates for both men and women.
South Dakota Rates for Seniors
| COMPANY | 60-YEAR-OLD FEMALE | 60-YEAR-OLD MALE |
| Allstate | $1,460 | $1,559 |
| American Family | $1,062 | $1,084 |
| Farmers Insurance | $1,178 | $1,265 |
| Farmers Mutual | $803 | $826 |
| Geico | $1,074 | $1,074 |
| Nationwide | $841 | $945 |
| North Star Mutual | $1,326 | $1,326 |
| Progressive | $1,117 | $1,099 |
| State Farm | $934 | $934 |
| USAA | $882 | $924 |
| Statewide Average | $1,068 | $1,104 |
Seniors in South Dakota pay the least for their insurance, on average, than drivers who are younger. But, like the other age groups, 60-year-old female drivers pay less, on average, than male drivers in this age category. Male and female drivers in South Dakota pay the lowest rates, on average, with Farmers Mutual, while those insured by Allstate see the highest rates, according to our study.
South Dakota Rates for Drivers With Poor Credit
| COMPANY | AVERAGE ANNUAL RATE |
| Nationwide | $1,481 |
| Farmers Mutual | $1,482 |
| Geico | $1,594 |
| USAA | $1,954 |
| American Family | $2,017 |
| Statewide Average | $2,038 |
| Farmers Insurance | $2,074 |
| State Farm | $2,333 |
| North Star Mutual | $2,419 |
| Allstate | $2,505 |
| Progressive | $2,519 |
When determining rates, car insurance companies place stock in an applicant’s credit score and history, often charging thousands more for those with poor credit. South Dakota drivers with a poor credit score insured by Progressive pay the highest rates, on average, while those insured by Nationwide pay the lowest, according to our study. Those with a good credit score see the lowest rates with Farmers Mutual. Drivers with a good credit score who are insured with Allstate pay the most – and more, in fact, than drivers with poor credit scores insured by Nationwide, Farmers Mutual and Geico.
South Dakota Rates for Good Drivers
| COMPANY | AVERAGE ANNUAL RATE |
| Farmers Mutual | $1,026 |
| USAA | $1,051 |
| Nationwide | $1,060 |
| State Farm | $1,082 |
| American Family | $1,226 |
| Geico | $1,234 |
| Statewide Average | $1,273 |
| Farmers Insurance | $1,403 |
| North Star Mutual | $1,459 |
| Progressive | $1,476 |
| Allstate | $1,707 |
An individual’s driving record has a considerable impact on auto insurance rates, with the lowest rates offered to those individuals with a clean record – that is, a driving history free of moving violations such as speeding or driving while intoxicated. Farmers Mutual charges the lowest rates, on average, for South Dakota drivers with a good driving record. Good drivers insured by Allstate pay the most, according to our rates study.
South Dakota Rates After a Speeding Ticket
| COMPANY | AVERAGE ANNUAL RATE |
| Farmers Mutual | $1,125 |
| State Farm | $1,145 |
| USAA | $1,216 |
| Nationwide | $1,265 |
| Geico | $1,394 |
| American Family | $1,427 |
| Statewide Average | $1,492 |
| Farmers Insurance | $1,792 |
| Progressive | $1,822 |
| Allstate | $1,865 |
| North Star Mutual | $1,868 |
Nationally, insurers rate moving violations differently. In South Dakota, all of the major insurers in our study treat speeding as the least egregious of the moving violations we evaluate for their effect on rates. Drivers with one speeding violation insured by North Star Mutual pay the highest rates while those insured by Farmers Mutual pay the lowest rates, according to our study.
South Dakota Rates After an Accident
| COMPANY | AVERAGE ANNUAL RATE |
| State Farm | $1,208 |
| Farmers Mutual | $1,333 |
| USAA | $1,367 |
| American Family | $1,428 |
| Nationwide | $1,645 |
| Statewide Average | $1,726 |
| North Star Mutual | $1,919 |
| Farmers Insurance | $1,940 |
| Geico | $2,084 |
| Progressive | $2,137 |
| Allstate | $2,200 |
A few of the auto insurers in our rankings in South Dakota view a crash incident as more egregious than a DUI and charge higher rates. Those insured by Allstate with one crash incident on their record pay the most for insurance, on average, while those insured by State Farm pay the least.
South Dakota Rates After a DUI
| COMPANY | AVERAGE ANNUAL RATE |
| State Farm | $1,145 |
| American Family | $1,427 |
| Progressive | $1,611 |
| Farmers Insurance | $1,866 |
| Farmers Mutual | $2,043 |
| Nationwide | $2,051 |
| USAA | $2,106 |
| Statewide Average | $2,360 |
| Allstate | $2,717 |
| Geico | $3,927 |
| North Star Mutual | $4,711 |
In South Dakota, drivers with a DUI pay, on average, nearly twice as much as those with a clean record. Those insured by North Star Mutual pay the most, on average, while a driver with one DUI insured by State Farm pays the least.
How Much Is High Coverage Car Insurance in South Dakota?
| COMPANY | AVERAGE ANNUAL RATE |
| Nationwide | $1,038 |
| Farmers Mutual | $1,045 |
| USAA | $1,082 |
| State Farm | $1,118 |
| American Family | $1,192 |
| Geico | $1,273 |
| Statewide Average | $1,299 |
| Farmers Insurance | $1,456 |
| North Star Mutual | $1,491 |
| Progressive | $1,543 |
| Allstate | $1,751 |
High-coverage insurance in South Dakota is not significantly more expensive, on average, than medium- or low-coverage insurance. On average, those paying for high coverage pay the most with Allstate and the least with Nationwide.
How Much Is Minimum Coverage Car Insurance in South Dakota?
| COMPANY | AVERAGE ANNUAL RATE |
| Farmers Mutual | $1,011 |
| USAA | $1,023 |
| State Farm | $1,049 |
| Nationwide | $1,105 |
| Geico | $1,199 |
| American Family | $1,211 |
| Statewide Average | $1,252 |
| Farmers Insurance | $1,364 |
| North Star Mutual | $1,434 |
| Progressive | $1,446 |
| Allstate | $1,672 |
All motorists in South Dakota are required to carry auto insurance. The minimums required cover bodily injury, property damage and uninsured/underinsured motorist protection. Our study data shows Farmers Mutual offers the most affordable minimum coverage insurance in the state, and Allstate is the most expensive for this type of policy.
South Dakota Car Insurance FAQs
Is Car Insurance Required in South Dakota?
Yes, all motorists in South Dakota are required to carry auto insurance.
Which Cars Are Required To Be Insured in South Dakota?
South Dakota law requires that anyone who operates any kind of motor vehicle in the state to show proof of financial responsibility, such as auto insurance.
When Should I Get Car Insurance in South Dakota?
Since cars cannot be registered in South Dakota without proof of financial responsibility, insurance should be purchased before attempting to register your vehicle.
How Much Car Insurance Do I Need in South Dakota?
South Dakota follows the “25/50/25” rule for its minimum required auto insurance.
- $25,000 for injury or death to one person
- $50,000 for injury or death to two or more people
- $25,000 for damage to property belonging to others
In lieu of insurance, in South Dakota an individual who operates a motor vehicle can show proof of financial responsibility, including:
- A surety bond for real estate with equity twice the value of the insurance minimums (see above).
- A self-insurance certificate.
- A deposit of at least $25,000 in cash, or at least $30,000 in securities, with the state treasurer.
How Much Is Car Insurance in My City in South Dakota?
Usually, drivers in larger cities and urban areas pay higher rates for insurance than those who live in rural areas. This doesn’t necessarily hold true in South Dakota where those who live in Spearfish, a small city, pay a higher average rate for car insurance than those who live in the state’s larger cities, including the capital, Pierre, and the state’s largest city, Sioux Falls.
What Happens if My Car Is Not Properly Insured in South Dakota?
South Dakota law considers driving without insurance a Class 2 misdemeanor. Penalties vary, but at minimum, drivers will be fined $100, could face 30 days in jail, or both, and their license could be suspended for up to one year.
Is South Dakota a No-Fault State?
No, South Dakota is not a no-fault state. However, the other motorist(s) involved in a crash incident can gather evidence of the role you played in the incident. If you are found even at least partly responsible, your payment from the other motorist could be reduced or even denied.
Do I Need Uninsured Motorist Coverage in South Dakota?
Yes, drivers are required to carry uninsured motorist coverage.
Is Liability Insurance Required in South Dakota?
Yes. It is important to remember that liability insurance covers only the other car and/or that car’s driver and passengers if you are the one who is determined to be at fault in the crash.
Does South Dakota Accept Digital Insurance Cards?
Yes, South Dakota law allows electronic proof of auto insurance.
How We Created This South Dakota Car Insurance Review
At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better.