Cheap South Dakota Auto Insurance in 2025 (Secure Low Rates With These 10 Companies)

Geico, USAA, and State Farm offer cheap South Dakota auto insurance for comprehensive option, discount, and premium.

Understanding auto insurance in South Dakota, from its required coverages to company rates, will help you buy a cheap policy with ease. We have covered everything you need to know about South Dakota auto insurance rates, laws, and coverage here.

Our Top 10 Company Picks: Cheap South Dakota Auto Insurance

Before you buy South Dakota auto insurance, make sure to compare rates. Enter your ZIP code for free South Dakota auto insurance quotes now.

#1 – Geico: Top Overall Pick 

Pros

• Low Rates: Known for highly competitive pricing, with a monthly rate of just $9, making it an excellent option for cheap South Dakota auto insurance.
• Efficient Operations: Rated A++ by A.M. Best for its excellent financial stability and operational efficiency, ensuring reliable coverage at affordable rates.
• User-Friendly App: Offers a highly-rated mobile app for easy policy management and claims, helping you maintain cheap South Dakota auto insurance without hassle. Read more through our Geico auto insurance review.

Cons

• Limited Local Agents: May lack personalized service due to its focus on online and phone-based support, which could be a drawback if you prefer in-person assistance with cheap South Dakota auto insurance.
• Coverage Options: Fewer optional coverage choices compared to some competitors, which may limit the ability to tailor your policy for comprehensive cheap South Dakota auto insurance.

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#2 – USAA: Best for Member Discounts

Pros

• Exceptional Service: Renowned for superior customer service and satisfaction, and ranked #2 with a $10 monthly rate, offering some of the best cheap South Dakota auto insurance for military families.
• Member Discounts: Offers significant discounts for military members and their families, enhancing affordability for cheap South Dakota auto insurance.
• Comprehensive Coverage: Includes extensive coverage options and benefits, ensuring you get reliable and affordable coverage for cheap South Dakota auto insurance.

Cons

• Eligibility Restrictions: Only available to military members and their families, limiting accessibility for those seeking cheap South Dakota auto insurance who do not qualify.
• Limited Local Offices: Fewer physical locations for face-to-face service, which could be inconvenient if you need personalized assistance with cheap South Dakota auto insurance. Learn more through our USAA Auto insurance review.

#3 – State Farm: Best for Volume Discounts

Pros

• Extensive Network: Large network of local agents providing personalized service, ranked #3 with an $11 monthly rate, making it a good choice for cheap South Dakota auto insurance with local support.
• Volume Discounts: Offers discounts for bundling multiple policies and maintaining good driving records, helping you save more on cheap South Dakota auto insurance.
• Variety of Coverage: Offers a wide range of coverage options and add-ons, allowing you to customize your policy for affordable and effective cheap South Dakota auto insurance. Find out in our State Farm Company Review.

Cons

• Higher Rates: Rates may be higher compared to some online-only insurers, potentially affecting the affordability of cheap South Dakota auto insurance.
• Inconsistent Service: Service quality can vary depending on the local agent, which may impact your experience with obtaining and managing cheap South Dakota auto insurance.

#4 – Nationwide: Best for Competitive Rates

Pros

• Competitive Rates: Ranked #4 with a monthly rate of $12, known for competitive pricing, making it a strong contender for cheap South Dakota auto insurance.
• Customizable Policies: Provides a variety of policy options and customization, allowing you to tailor cheap South Dakota auto insurance to fit your needs.
• Positive Customer Service: Generally positive reviews for customer service and claims handling, contributing to a positive experience with cheap South Dakota auto insurance.

Cons

• Average Pricing: Not always the lowest rate available, which may limit your options for the cheapest South Dakota auto insurance. Explore more discount options in our Nationwide auto insurance review.
• Claims Handling: Some customers report slower claims processing compared to competitors, which could be a concern for those relying on cheap South Dakota auto insurance during claims

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#5 – Travelers: Best for Policy Bundling

Pros

• Policy Bundling: Ranked #5 with a monthly rate of $16, known for offering attractive policy bundling options that can further reduce the cost of cheap South Dakota auto insurance.
• Flexible Coverage: Provides a range of customizable coverage options, allowing you to create a cheap South Dakota auto insurance policy that meets your specific needs.
• Discounts: Offers various discounts for bundling policies and safe driving, helping to lower the cost of cheap South Dakota auto insurance even further.

Cons

• Higher Premiums: Premiums can be higher compared to some other insurers, which might impact the affordability of cheap South Dakota auto insurance.
• Customer Service: Some customers report issues with customer service responsiveness, which could affect your experience with cheap South Dakota auto insurance. Read more in our detailed Travelers auto insurance review.

#6 – Progressive: Best for Snapshot Discounts

Pros

• Snapshot Discounts: Ranked #6 with a $17 monthly rate, known for its Snapshot program that rewards safe driving with discounts, making it an option for cheap South Dakota auto insurance.
• Competitive Pricing: Often offers lower rates compared to many competitors, contributing to affordable options for cheap South Dakota auto insurance. Our complete Progressive auto insurance review goes over this in more detail. 
• Wide Range of Coverage: Provides many types of coverage and optional add-ons, allowing you to secure comprehensive cheap South Dakota auto insurance.

Cons

• Inconsistent Pricing: Rates can vary widely based on location and personal factors, which might affect your ability to find the cheapest South Dakota auto insurance.
• Customer Service: Some customers report challenges with customer service and claims handling, which could impact your overall experience with cheap South Dakota auto insurance

#7 – Farmers: Best for Customer Loyalty

Pros

• Customer Loyalty: Ranked #7 with an $18 monthly rate, known for offering discounts to loyal customers, which can help make your cheap South Dakota auto insurance more affordable.
• Personalized Service: Strong emphasis on local agents providing personalized service, ensuring you get tailored advice for cheap South Dakota auto insurance.
• Variety of Discounts: Offers a broad range of discounts for various factors, helping you save on your cheap South Dakota auto insurance. Take a look at our Farmers auto insurance review to learn more.

Cons

• Higher Rates: Premiums may be higher compared to some other insurers, which could impact the overall cost of your cheap South Dakota auto insurance.
• Complex Policies: Some customers find the policy options and discounts confusing, which might complicate finding the best cheap South Dakota auto insurance.

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#8 – Allstate: Best for Drivewise Program 

Pros

• Drivewise Program: Ranked #8 with a $22 monthly rate, known for its Drivewise program that rewards safe driving with discounts, helping reduce the cost of cheap South Dakota auto insurance.
• Comprehensive Coverage: Extensive range of coverage options and add-ons, providing robust protection with your cheap South Dakota auto insurance.
• Strong Network: Large network of local agents providing personalized service, which can be beneficial for managing cheap South Dakota auto insurance. 

Cons

• Higher Premiums: Rates can be on the higher side compared to some competitors, affecting the affordability of cheap South Dakota auto insurance. Read more in our detailed Allstate auto insurance review.
• Service Variability: Service quality can vary depending on the local agent, which may impact your experience with obtaining and maintaining cheap South Dakota auto insurance.

#9 – American Family: Best for Safe Driving

Pros

• Safe Driving Discounts: Ranked #9 with a $24 monthly rate, offers discounts for safe driving practices, which can help lower your cheap South Dakota auto insurance premiums.
• Customizable Policies: Provides a range of customizable coverage options, allowing you to tailor your cheap South Dakota auto insurance to fit your specific needs. Take a look at our Farmers auto insurance review to learn more.
• Positive Reputation: Generally positive reviews for customer service and claims handling, ensuring a good experience with your cheap South Dakota auto insurance. 

Cons

• Higher Costs: Premiums can be higher compared to some other insurers, potentially impacting your ability to secure the cheapest South Dakota auto insurance.
• Limited Availability: Availability may be restricted in certain regions, which could affect your options for cheap South Dakota auto insurance.

#10 – Liberty Mutual: Best for Policy Customization

Pros

• Policy Customization: Ranked #10 with a $37 monthly rate, known for offering extensive policy customization options, allowing you to tailor your cheap South Dakota auto insurance.
• Discounts: Attractive discounts for bundling policies and safety features can help reduce the overall cost of cheap South Dakota auto insurance. To see monthly premiums and honest rankings, read our Liberty Mutual auto insurance review.
• Strong Financial Ratings: Rated A by A.M. Best, indicating financial stability and reliability, ensuring your cheap South Dakota auto insurance is backed by a stable provider.

Cons

• Higher Premiums: Generally higher premiums compared to some other insurers, which may impact the affordability of cheap South Dakota auto insurance.
• Customer Service Issues: Some customers report challenges with customer service and claims processing, which could affect your experience with cheap South Dakota auto insurance.

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South Dakota Auto Insurance Requirements

South Dakota drivers must have 25/50/25 coverage. This means that a driver must have a minimum of $25,000 in bodily injury liability insurance per party along with $50,000 total coverage per accident. $25,000 in coverage must also be included in the policy for property damage liability insurance.

South Dakota Auto Insurance Monthly Rates by Coverage Level & Provider

Drivers in South Dakota are also required to have coverage to protect against underinsured/uninsured motorists. Drivers are not required to have collision or comprehensive automobile insurance in South Dakota.

Bodily injury insurance protects drivers when they are involved in an accident and injure another person. South Dakota requires drivers to have this insurance to ensure financial responsibility when you are at fault in an accident.

Drivers should consider purchasing more than the state minimum for bodily injury insurance as it may cost the driver more money down the road in legal fees and court costs.

Property damage liability insurance covers the cost of the other party’s vehicle and any other property damaged in the accident where you are at fault. As an example of how this policy works, if you were to hit a vehicle as well as a house, the damage to both would be covered by your property damage coverage.

Comprehensive vs. Collision coverage, Collision coverage is another option for South Dakota auto insurance policies. While a collision policy is not required, drivers should strongly consider adding insurance coverage onto their vehicle if it is worth over $4,000.

Having a vehicle worth over $4,000 often means that a collision policy will pay for itself.

Collision coverage carries a deductible that you can select when you buy your policy. Individuals can decide which level of coverage is right for them. A lower deductible does mean a higher monthly insurance payment.

However, it means less money coming out of your pocket when you file a claim. Drivers should keep this in mind when deciding upon the deductible that is correct for them.

Personal injury protection insurance is another policy that is not required in South Dakota. However, drivers should strongly consider purchasing PIP protection. This policy protects a driver in case of personal injury during an auto accident.

A personal injury protection policy will pay costs such as lost wages, medical expenses, and other costs for you and your passengers regardless of fault in an accident.

PIP often costs a few dollars extra per month and can provide hundreds of thousands of dollars in extra coverage for individuals. Many auto insurance companies offer different levels of coverage and drivers should carefully consider which level of coverage is appropriate for their needs.

Comprehensive insurance, also known as full coverage auto insurance,  is another optional insurance policy that many drivers choose to add to their policy.

Comprehensive auto insurance protects a vehicle if it were to be involved in a fire, natural disaster, or is broken into. Drivers should look at the cost of the additional premium monthly versus the cost of replacing their car.

A driver who does not have a comprehensive auto insurance policy and has a vehicle stolen may realize that the additional coverage was well worth it. Comprehensive auto insurance policies often have a deductible option.

Some drivers may choose a low deductible in order to be able to easily have their vehicle repaired. Other drivers choose to have a high deductible to lower their monthly premium.

Luckily the insurance rates in South Dakota are much cheaper in comparison to the other states in the nation. Enter your ZIP code now.

South Dakota Auto Insurance Rates by Company

South Dakota generally offers low auto insurance rates, but prices can vary significantly between providers. It’s important to compare different insurance companies to find the best rates and coverage for your needs.

Some providers offer competitive rates for good drivers, while others may provide discounts for bundling multiple policies, such as auto and home insurance.

There are also options for high-risk drivers, offering affordable plans even for those with a less-than-perfect driving history.

Additionally, some companies are known for their variety of coverage options and customizable plans, while others stand out for excellent customer service and quick claims processing, though they may come at a slightly higher price.

When shopping for auto insurance in South Dakota, consider not just the cost but also the coverage options, customer service, and available discounts to find the best policy for your budget and needs.

Learn about how age affects auto insurance rates. 

Comparing Auto Insurance Quotes in South Dakota

Drivers in South Dakota should carefully review the different options available for cheap auto insurance, including full coverage car insurance. It’s important to consider a variety of policies to find the one that best suits their needs.

Full coverage car insurance provides comprehensive protection, including liability, collision, and comprehensive coverage, making it a crucial option for those looking for extensive coverage. 

If you are a South Dakota driver, enter your ZIP code below to compare quotes from top South Dakota auto insurance companies.

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