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Car Insurance in South Dakota

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South Dakota Car Insurance Quotes

South Dakota residents pay a monthly average of $182  for car insurance, which is 4% less than the national average. While South Dakota is mostly rural, the state suffers from harsh weather conditions. Heavy snow, rain, and winds can cause car accidents which impact coverage rates.

Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

Read on to learn more about properly insuring your car in South Dakota. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


South Dakota Car Insurance Laws

Anyone registering or operating a vehicle in South Dakota must demonstrate proof of financial responsibility — often the purchase of liability car insurance. 

South Dakota’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $25,000 for property damage

In addition, you must have uninsured and underinsured motorist insurance, which reimburses you and other passenger occupants injured in an accident caused by someone without adequate insurance.

South Dakota’s minimum liability requirements are on par with most other states.

Cheapest Insurance in South Dakota

Driving record, consumer profile, coverage type, and driver age are all features that influence car insurance quotes. EverQuote considers all aspects to come up with the most accurate premium costs. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in South Dakota. 

Rank Insurance company Average monthly premium
1 GEICO $123
2 USAA $129
3 State Farm $132
4 Farmers $151
5 Nationwide $152
Avg. monthly premiums are weighted by zip code population sizes

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Proof of Insurance

“ Driving without insurance in South Dakota ... you face a 30-day jail sentence or a $100 fine if convicted. ” 


Driving without insurance in South Dakota is a Class 2 Misdemeanor. You face a 30-day jail sentence or a $100 fine if convicted. Your driver’s license will be suspended for at least 30 days up to one year. You must show proof of insurance (an SR-22) for three years to reinstate your driving privileges.  

South Dakota doesn’t provide a new car insurance grace period. So, before driving a new vehicle, obtain appropriate coverage. If you’re financing to purchase a car, you may need to buy a collision and comprehensive policy to comply with the loan agreement.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in South Dakota?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in South Dakota?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in South Dakota?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.