Auto Insurance in South Dakota
South Dakota’s auto insurance rates are on the low side — on average $1,064 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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The state has quite a few climate-related concerns. Property owners in the eastern half of South Dakota need to make sure they are protected from tornadoes. The rest of the state is prone to severe thunderstorms during the summer and blizzards during the winter.
Drivers in South Dakota pay insurance rates that are significantly lower than the national average. However, premiums vary from city to city and company to company, so it’s important to get quotes from several insurance providers before purchasing a policy.
South Dakota Minimum Liability
South Dakota’s minimum liability is lower than the recommended minimum coverage of 50/100. With 50/100 coverage, policyholders can get bodily injury payments up to $50,000 per person and up to $100,000 per accident. In some cases, even 50/100 is not enough to cover expenses after an accident.
In 2013, the average auto liability claim for property damage was $3,231, and the average claim for bodily injury was $15,443. Keep in mind that these are just averages. In reality, about half of all liability claims are higher than this. Some are significantly more expensive. Once you reach your policy’s coverage limit, you will have to pay for expenses out of your own pocket, which can add up to tens of thousands of dollars. That’s why 100/300 coverage is ideal for people who can afford the higher premiums. With 100/300 coverage, it’s unlikely that you’ll go into debt after an accident.
You can make sure you have the coverage you need at a price you can afford by getting quotes from several car insurance providers. It’s important to get quotes from several insurers because companies view your driver profile in different ways. Some companies may charge cheaper rates than others. It takes time and effort to get quotes, but the savings are often worth it.
Cheapest Car Insurance in South Dakota
- $872State Farm
- $875Farmers Mutual of Nebraska
- $1,264American Family
If your biggest concern is getting a low price on your car insurance, you’ll want to choose one of the companies listed here, as we found they consistently offer the cheapest prices in South Dakota.
Choosing one of these low-cost insurance providers will help you save money, but some companies sacrifice good customer services and timely claims processing to keep prices as cheap as possible. If your budget is your top priority and you don’t care too much about service levels, then one of these affordable companies might have a policy that will work for you.
Most Popular Companies by Marketshare
- State Farm
- Farmers Mutual of Nebraska
- American Family
South Dakota’s most popular auto insurance companies are listed here. Some are popular because they have done a good job meeting the needs of drivers in South Dakota. But popularity does not necessarily equate with reliability or affordability. Some companies become popular simply by spending a bundle on advertising to make their names well-known.
Go ahead and get quotes from these companies, but don’t stop there. Compare the quotes from these popular insurers to those from other insurers in the state before picking the policy that’s best for you.
Choosing the Best Car Insurance in South Dakota
It’s always a good idea to choose a car insurance company that you think will feel comfortable for many years to come. The companies listed here are some of the best in South Dakota. Getting quotes from them is a good place to start your search for a policy that covers your needs.
We considered several factors when deciding which of South Dakota’s insurers are best. Top-rated companies are noted for their strong customer service, extensive coverage options, fair claims processes, and fair premiums with opportunities to earn discounts. Also consider financial standing and whether the companies give customers access to real agents.
Where is car insurance most affordable?
Where you live has a lot of bearing on how much you’ll pay for car insurance.
The price of your car insurance depends on several variables, including where you live. South Dakota residents living in the eastern half of the state tend to spend less on auto insurance than those in the western half. Sioux Falls, for instance, has noticeably lower rates than Rapid City.
Since prices vary by town, it’s important to get quotes from several companies. This lets you compare your options, so you can choose an affordable policy that matches your coverage needs.
Rapid City Auto Insurance
With a population of about 70,800 people, Rapid City is the second-most-populated area of South Dakota. Known as the Gateway to the Black Hills, the city sits just east of the Black Hills mountain range, which is a popular tourist destination. The Black Hills are home to several attractions, including Mount Rushmore, Wind Cave National Park, and Custer State Park. Residents of Rapid City pay insurance premiums that are noticeably higher than the state average but still considerably less than the national average.
Sioux Falls Auto Insurance
Sioux Falls is the largest city in South Dakota. The city proper has a population of about 117,500 people, but the population in the surrounding area more than doubles that count. Sioux Falls is situated near the border of South Dakota, Minnesota, and Iowa, and Nebraska is just a short drive to the south. Although the area experiences occasional tornadoes, severe weather is rare outside of the spring and early summer months. This may help explain why residents spend less than the state average on car insurance.
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