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Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
Drivers in South Dakota usually don't have to worry about sky-high auto insurance rates, but that doesn't mean they can't benefit from doing a little research. Focusing on the best car insurance in South Dakota can save a driver hundreds of dollars per year. Here's a look at which companies offer the lowest rates for several common driver profiles.
A 35-year-old female driver with a clean record pays about $2,326 for South Dakota auto insurance while her male counterpart pays $2,372 annually. But those who choose Kemper can get the same coverage for $1,403 per year, regardless of gender.
These insurers are also among the best car insurance companies in South Dakota:
Drivers with a single accident pay about $3,087 annually for South Dakota auto insurance. But those who choose Farmers Mutual of Nebraska only pay about $1,884 per year.
Drivers with accident histories can also score affordable car insurance in South Dakota with these companies:
Farmers Mutual of Nebraska also offers affordable car insurance to drivers with a single speeding ticket. Its average annual premium for these drivers is $1,697 -- well under the state average of $2,746 per year.
Drivers with speeding tickets can also score cheap car insurance quotes in South Dakota with these insurers:
A typical 18-year-old male driver with a clean record pays a whopping $5,328 per year for South Dakota auto insurance. But fortunately, it's possible to get coverage for less than half that by choosing Kemper. Its average annual premium for these drivers is $2,557 per year.
Teen drivers can also score cheap auto insurance in South Dakota with these companies:
A 65-year-old driver in South Dakota only pays about $2,004 per year for car insurance. But those who choose Geico can shave several hundred dollars off that bill. Its average annual premium for seniors is $1,171.
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Seniors can also find low-cost car insurance in South Dakota with these companies:
South Dakota minimum car insurance costs about $404 per year on average. That's not bad, but drivers who choose Farmers Mutual of Nebraska could get the same coverage for about half the cost. Its average annual premium for minimum coverage is $212.
These insurers also offer cheap liability car insurance in South Dakota:
South Dakota drivers with poor credit will see their rates rise to around $3,776 per year. But those who choose Kemper only pay about $1,963 per year.
These companies also offer some of the cheapest car insurance in South Dakota to drivers with poor credit:
How much is car insurance in South Dakota? That depends on many factors, including the driver's history of accidents and speeding tickets, their vehicle make and model, their ZIP code, and more. Typically, South Dakota rates are just slightly under the national average. Here's a look at how its premiums stack up to the rest of the country for several of the driver profiles mentioned above.
| Average Rate Category | South Dakota | National Average |
|---|---|---|
| Overall | $2,753 | $2,875 |
| Young drivers | $5,328 | $6,087 |
| 1 accident on driving record | $3,087 | $3,226 |
| 1 speeding ticket on driving record | $2,746 | $2,840 |
All drivers should familiarize themselves with these South Dakota car insurance laws.
South Dakota is an at-fault auto insurance state. This means that in an accident involving two or more vehicles, the driver found to be at fault must pay for the medical bills for all parties involved. This is different from no-fault states where each driver bills their own insurance for medical expenses, regardless of fault.
Skipping South Dakota minimum car insurance is a Class 2 misdemeanor according to the South Dakota Legislative Research Council. It could result in the following consequences:
According to the South Dakota Department of Labor and Regulation, all South Dakota drivers must carry at least the following coverage.
Drivers must have at least:
Drivers must also carry at least $25,000 of property damage liability coverage.
Drivers must also carry uninsured/underinsured motorist coverage in quantities equal to the bodily injury liability coverage requirements listed above. This protects a policyholder if they're hit by a driver who doesn't have insurance or who doesn't have enough insurance to cover the full cost of the damages.
South Dakota drivers looking to score cheap auto insurance can try the following tips:
Here are a few other things drivers should bear in mind when shopping for South Dakota car insurance.
South Dakota actually requires more insurance than many other states, but even this isn't enough protection in all cases. Whenever possible, it's a good idea to purchase more than the minimum coverage. Otherwise, if an accident's total costs exceed the driver's policy limits, they must pay for the difference out of their own pocket.
South Dakota has the third-highest likelihood of an animal-vehicle collision in the nation, according to the Insurance Information Institute. Drivers who are concerned about this should invest in comprehensive coverage for their vehicles. This helps repair the policyholder's vehicle if it's damaged due to bad weather, theft, vandalism, or an accident with an animal. For help with repairs following an accident with another driver, motorists can add collision coverage as well.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
