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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Updated Oct 21, 2022 Find cheaper car insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Get my free quotes Select from a variety of trusted carriers + MORE How it works Caret Down Get matched with personalized offers Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate. Choose the best policy for you Compare your options from carriers who want to work with you, and select as many offers as you'd like. Finalize your rate and policy details Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That's it! On This Page
Compare rates and save on auto insurance today! Get quotes Close X In 2020, there were 25,890 in the state of South Dakota. There are less than in , but every car owner is required to carry a minimum amount of auto insurance. The will pay $1,642 per year for a full coverage insurance policy and $275 per year for a minimum coverage insurance policy. The cheapest car insurance in South Dakota
There are several popular insurance carriers that offer in South Dakota. The table below highlights the cheapest car insurance providers in South Dakota with the , as well as their average annual full coverage and minimum coverage policy premiums: Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage Farmers Mutual of Nebraska $172 $1,086 USAA $188 $1,337 State Farm $226 $1,242 Farmers $251 $1,272 Progressive $257 $1,655 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Minimum coverage for South Dakota drivers
The is minimum coverage. South Dakota law requires all drivers with a registered vehicle to carry personal liability and uninsured/underinsured motorist coverage. in South Dakota is represented as 25/50/25, which translates to $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident and $25,000 in property damage coverage per accident. Uninsured motorists property damage coverage, which provides coverage for your car in the event that you are hit by an uninsured motorist, is not mandatory. It is recommended that drivers in South Dakota purchase coverage beyond the required amount if they are financially able to do so. In the event of an at-fault accident, if a driver’s financial responsibility exceeds their policy’s coverage limit, they become responsible for paying the remaining damages out of pocket. Talk to an agent to determine the most appropriate coverage level for your needs. How to get cheap car insurance in South Dakota
There are a number of ways that drivers in South Dakota can get cheap car insurance. Here are some suggestions: Shop around: Spend some time researching insurance providers. Every insurance company is different, so evaluating providers with your personal criteria in mind is important. Get multiple quotes: When you find a few promising providers, get price quotes from each one and compare them side-by-side to see which company can give you the best price for the amount of coverage you want. Take advantage of discounts: Look for insurance companies that offer a wide range of discounts. The five providers we evaluated each offer a few discounts that many drivers are able to take advantage of. Work on your credit score: Auto insurance providers consider your credit an indication of how frequently you may file claims. A higher credit score often results in a lower premium. Increase your deductible: Your deductible is the amount of a claim you agree to pay in the event of an at-fault accident. If you can afford to do so, consider increasing your deductible to get a cheaper monthly rate. Be sure to have your agent quote this change first, as deductible increases do not always result in significant savings. Frequently asked questions
The is different for every driver. To find the best car insurance provider for you, shop around and compare providers based on the criteria that you value the most, like good customer service or unique coverage.
In the United States, the costs $1,674 per year. For comparison, the average South Dakota driver will pay $1,642 per year for a full coverage policy.
The standard full coverage car insurance policy typically includes liability coverage, underinsured and uninsured motorists coverage, medical payments, collision and comprehensive coverage (sometimes called "other than collision" coverage). Drivers have the option to purchase endorsements, like roadside assistance or gap insurance, to supplement their full coverage policy, but these options cost extra. Methodology
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. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers.