The Cheapest Car Insurance in South Dakota for 2024

Kemper offers the cheapest car insurance in South Dakota, with an average annual rate of $931 for full coverage.
Updated
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Written by Ben Moore
Assistant Assigning Editor

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Auto insurance is an important purchase, but finding cheap car insurance in South Dakota isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in South Dakota is Kemper at $934 per year on average, or $78 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in South Dakota. Meanwhile, the average cost of full coverage car insurance in South Dakota is $1,671 per year, or about $139 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in South Dakota. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in South Dakota is $280 per year on average, but we found you can likely get a cheaper policy. For example, North Star offers the cheapest rates in South Dakota at $202 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in South Dakota

NerdWallet’s editorial team analyzed car insurance rates from 13 auto insurers in South Dakota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in South Dakota. For full coverage, we used the below 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in South Dakota where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in South Dakota for 20-year-olds

Drivers in South Dakota with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Kemper: $2,125 per year, or about $177 per month.
  2. Nationwide: $2,594 per year, or about $216 per month.
  3. Farm Bureau Financial Services: $2,968 per year, or about $247 per month.
  4. American Family: $2,992 per year, or about $249 per month.
  5. Allstate: $2,996 per year, or about $250 per month.

Cheapest minimum coverage car insurance in South Dakota for 20-year-olds

Drivers in South Dakota who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. North Star: $406 per year, or about $34 per month.
  2. Geico: $493 per year, or about $41 per month.
  3. Farm Bureau Financial Services: $592 per year, or about $49 per month.
  4. American Family: $602 per year, or about $50 per month.
  5. Progressive: $616 per year, or about $51 per month.

Cheapest auto insurance in South Dakota for 20-year-olds with poor credit

Drivers with poor credit in South Dakota should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $637 per year, or about $53 per month.
  2. North Star: $670 per year, or about $56 per month.
  3. Progressive: $938 per year, or about $78 per month.
  4. American Family: $1,009 per year, or about $84 per month.
  5. Nationwide: $1,063 per year, or about $89 per month.

Cheapest auto insurance in South Dakota for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $546 per year, or about $46 per month.
  2. North Star: $548 per year, or about $46 per month.
  3. Progressive: $685 per year, or about $57 per month.
  4. State Farm: $706 per year, or about $59 per month.
  5. Farm Bureau Financial Services: $724 per year, or about $60 per month.

Cheapest auto insurance in South Dakota for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. North Star: $622 per year, or about $52 per month.
  2. Geico: $652 per year, or about $54 per month.
  3. Progressive: $728 per year, or about $61 per month.
  4. State Farm: $806 per year, or about $67 per month.
  5. Western National: $849 per year, or about $71 per month.

Cheapest auto insurance in South Dakota for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Progressive: $649 per year, or about $54 per month.
  2. Western National: $849 per year, or about $71 per month.
  3. State Farm: $933 per year, or about $78 per month.
  4. North Star: $968 per year, or about $81 per month.
  5. American Family: $995 per year, or about $83 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in South Dakota for 30-year-olds

Drivers in South Dakota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Kemper: $936 per year, or about $78 per month.
  2. Nationwide: $1,103 per year, or about $92 per month.
  3. State Farm: $1,502 per year, or about $125 per month.
  4. American Family: $1,507 per year, or about $126 per month.
  5. Geico: $1,536 per year, or about $128 per month.

Cheapest minimum coverage car insurance in South Dakota for 30-year-olds

Drivers in South Dakota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. North Star: $202 per year, or about $17 per month.
  2. Geico: $218 per year, or about $18 per month.
  3. State Farm: $234 per year, or about $20 per month.
  4. Kemper: $243 per year, or about $20 per month.
  5. Auto-Owners: $258 per year, or about $21 per month.

Cheapest auto insurance in South Dakota for 30-year-olds with poor credit

Drivers with poor credit in South Dakota should consider the following companies with the lowest average rates for full coverage:

  1. Kemper: $1,044 per year, or about $87 per month.
  2. Nationwide: $1,571 per year, or about $131 per month.
  3. Geico: $1,982 per year, or about $165 per month.
  4. Allstate: $2,274 per year, or about $190 per month.
  5. American Family: $2,473 per year, or about $206 per month.

Cheapest auto insurance in South Dakota for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. North Star: $232 per year, or about $19 per month.
  2. Geico: $254 per year, or about $21 per month.
  3. State Farm: $270 per year, or about $23 per month.
  4. Western National: $280 per year, or about $23 per month.
  5. Kemper: $328 per year, or about $27 per month.

Cheapest auto insurance in South Dakota for 30-year-old drivers with one at-fault crash

For drivers in South Dakota with a recent accident, here are the lowest average rate options for full coverage:

  1. Kemper: $1,592 per year, or about $133 per month.
  2. Nationwide: $1,720 per year, or about $143 per month.
  3. Western National: $1,764 per year, or about $147 per month.
  4. State Farm: $1,814 per year, or about $151 per month.
  5. Allstate: $2,350 per year, or about $196 per month.

Cheapest auto insurance in South Dakota for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. State Farm: $1,991 per year, or about $166 per month.
  2. Progressive: $2,320 per year, or about $193 per month.
  3. Allstate: $2,621 per year, or about $218 per month.
  4. Nationwide: $2,789 per year, or about $232 per month.
  5. American Family: $2,825 per year, or about $235 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in South Dakota for 40-year-olds

Drivers in South Dakota with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Kemper: $862 per year, or about $72 per month.
  2. Nationwide: $1,053 per year, or about $88 per month.
  3. State Farm: $1,442 per year, or about $120 per month.
  4. American Family: $1,507 per year, or about $126 per month.
  5. Geico: $1,536 per year, or about $128 per month.

Cheapest minimum coverage car insurance in South Dakota for 40-year-olds

Drivers in South Dakota who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. North Star: $202 per year, or about $17 per month.
  2. Geico: $218 per year, or about $18 per month.
  3. State Farm: $238 per year, or about $20 per month.
  4. Kemper: $243 per year, or about $20 per month.
  5. Auto-Owners: $263 per year, or about $22 per month.

Cheapest auto insurance in South Dakota for 40-year-olds with poor credit

Drivers with poor credit in South Dakota can check out the following insurers with the lowest average rates for full coverage:

  1. Kemper: $1,024 per year, or about $85 per month.
  2. Nationwide: $1,487 per year, or about $124 per month.
  3. Geico: $1,982 per year, or about $165 per month.
  4. Allstate: $2,274 per year, or about $190 per month.
  5. American Family: $2,473 per year, or about $206 per month.

Cheapest auto insurance in South Dakota for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. North Star: $232 per year, or about $19 per month.
  2. Geico: $254 per year, or about $21 per month.
  3. State Farm: $275 per year, or about $23 per month.
  4. Western National: $280 per year, or about $23 per month.
  5. Kemper: $328 per year, or about $27 per month.

Cheapest auto insurance in South Dakota for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Dakota, here are the companies with the lowest average rates for full coverage:

  1. Kemper: $1,562 per year, or about $130 per month.
  2. Nationwide: $1,650 per year, or about $138 per month.
  3. State Farm: $1,743 per year, or about $145 per month.
  4. Western National: $1,764 per year, or about $147 per month.
  5. Auto-Owners: $2,320 per year, or about $193 per month.

Cheapest auto insurance in South Dakota for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Western National: $1,764 per year, or about $147 per month.
  2. State Farm: $1,913 per year, or about $159 per month.
  3. Progressive: $2,043 per year, or about $170 per month.
  4. Allstate: $2,621 per year, or about $218 per month.
  5. Nationwide: $2,715 per year, or about $226 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in South Dakota for 50-year-olds

Drivers in South Dakota with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Kemper: $827 per year, or about $69 per month.
  2. Nationwide: $983 per year, or about $82 per month.
  3. American Family: $1,324 per year, or about $110 per month.
  4. State Farm: $1,365 per year, or about $114 per month.
  5. Farm Bureau Financial Services: $1,444 per year, or about $120 per month.

Cheapest minimum coverage car insurance in South Dakota for 50-year-olds

Drivers in South Dakota who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. North Star: $180 per year, or about $15 per month.
  2. Farm Bureau Financial Services: $228 per year, or about $19 per month.
  3. Kemper: $231 per year, or about $19 per month.
  4. Geico: $234 per year, or about $20 per month.
  5. State Farm: $236 per year, or about $20 per month.

Cheapest auto insurance in South Dakota for 50-year-olds with poor credit

Drivers with poor credit in South Dakota can check with the following companies, which showed the lowest average rates for full coverage:

  1. Kemper: $984 per year, or about $82 per month.
  2. Nationwide: $1,386 per year, or about $116 per month.
  3. Geico: $2,008 per year, or about $167 per month.
  4. American Family: $2,175 per year, or about $181 per month.
  5. Allstate: $2,189 per year, or about $182 per month.

Cheapest auto insurance in South Dakota for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. North Star: $202 per year, or about $17 per month.
  2. Western National: $251 per year, or about $21 per month.
  3. Farm Bureau Financial Services: $266 per year, or about $22 per month.
  4. Geico: $272 per year, or about $23 per month.
  5. State Farm: $273 per year, or about $23 per month.

Cheapest auto insurance in South Dakota for 50-year-old drivers with one at-fault crash

For drivers living in South Dakota with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Kemper: $1,497 per year, or about $125 per month.
  2. Nationwide: $1,562 per year, or about $130 per month.
  3. Western National: $1,583 per year, or about $132 per month.
  4. State Farm: $1,653 per year, or about $138 per month.
  5. Farm Bureau Financial Services: $2,087 per year, or about $174 per month.

Cheapest auto insurance in South Dakota for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. State Farm: $1,823 per year, or about $152 per month.
  2. Progressive: $1,892 per year, or about $158 per month.
  3. Allstate: $2,546 per year, or about $212 per month.
  4. American Family: $2,609 per year, or about $217 per month.
  5. Western National: $2,619 per year, or about $218 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in South Dakota for 60-year-olds

Drivers in South Dakota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Kemper: $758 per year, or about $63 per month.
  2. Nationwide: $894 per year, or about $74 per month.
  3. State Farm: $1,249 per year, or about $104 per month.
  4. American Family: $1,324 per year, or about $110 per month.
  5. Farm Bureau Financial Services: $1,357 per year, or about $113 per month.

Cheapest minimum coverage car insurance in South Dakota for 60-year-olds

Drivers in South Dakota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. North Star: $180 per year, or about $15 per month.
  2. State Farm: $221 per year, or about $18 per month.
  3. Farm Bureau Financial Services: $222 per year, or about $18 per month.
  4. Kemper: $224 per year, or about $19 per month.
  5. Geico: $234 per year, or about $20 per month.

Cheapest auto insurance in South Dakota for 60-year-olds with poor credit

Drivers with poor credit in South Dakota can look at the following companies with the lowest average rates for full coverage:

  1. Kemper: $904 per year, or about $75 per month.
  2. Nationwide: $1,259 per year, or about $105 per month.
  3. Geico: $2,008 per year, or about $167 per month.
  4. Allstate: $2,082 per year, or about $174 per month.
  5. American Family: $2,175 per year, or about $181 per month.

Cheapest auto insurance in South Dakota for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. North Star: $202 per year, or about $17 per month.
  2. State Farm: $255 per year, or about $21 per month.
  3. Farm Bureau Financial Services: $259 per year, or about $22 per month.
  4. Geico: $272 per year, or about $23 per month.
  5. Western National: $280 per year, or about $23 per month.

Cheapest auto insurance in South Dakota for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Dakota, here are the companies with the lowest average rates for full coverage:

  1. Kemper: $1,372 per year, or about $114 per month.
  2. Nationwide: $1,451 per year, or about $121 per month.
  3. State Farm: $1,515 per year, or about $126 per month.
  4. Western National: $1,583 per year, or about $132 per month.
  5. Farm Bureau Financial Services: $1,962 per year, or about $164 per month.

Cheapest auto insurance in South Dakota for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Western National: $1,583 per year, or about $132 per month.
  2. State Farm: $1,676 per year, or about $140 per month.
  3. Progressive: $1,735 per year, or about $145 per month.
  4. Allstate: $2,441 per year, or about $203 per month.
  5. Nationwide: $2,519 per year, or about $210 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in South Dakota for 70-year-olds

Drivers in South Dakota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Kemper: $822 per year, or about $69 per month.
  2. Nationwide: $992 per year, or about $83 per month.
  3. State Farm: $1,254 per year, or about $104 per month.
  4. Farm Bureau Financial Services: $1,286 per year, or about $107 per month.
  5. American Family: $1,330 per year, or about $111 per month.

Cheapest minimum coverage car insurance in South Dakota for 70-year-olds

Drivers in South Dakota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. North Star: $180 per year, or about $15 per month.
  2. Geico: $216 per year, or about $18 per month.
  3. State Farm: $238 per year, or about $20 per month.
  4. Farm Bureau Financial Services: $240 per year, or about $20 per month.
  5. Kemper: $257 per year, or about $21 per month.

Cheapest auto insurance in South Dakota for 70-year-olds with poor credit

Drivers with poor credit in South Dakota can look at the following companies with the lowest average rates for full coverage:

  1. Kemper: $979 per year, or about $82 per month.
  2. Nationwide: $1,404 per year, or about $117 per month.
  3. Geico: $1,911 per year, or about $159 per month.
  4. Allstate: $2,191 per year, or about $183 per month.
  5. American Family: $2,194 per year, or about $183 per month.

Cheapest auto insurance in South Dakota for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. North Star: $202 per year, or about $17 per month.
  2. Geico: $251 per year, or about $21 per month.
  3. State Farm: $275 per year, or about $23 per month.
  4. Farm Bureau Financial Services: $280 per year, or about $23 per month.
  5. Western National: $307 per year, or about $26 per month.

Cheapest auto insurance in South Dakota for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Dakota, here are the companies with the lowest average rates for full coverage:

  1. Kemper: $1,491 per year, or about $124 per month.
  2. State Farm: $1,531 per year, or about $128 per month.
  3. Nationwide: $1,614 per year, or about $135 per month.
  4. Farm Bureau Financial Services: $1,861 per year, or about $155 per month.
  5. Western National: $1,944 per year, or about $162 per month.

Cheapest auto insurance in South Dakota for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. State Farm: $1,697 per year, or about $141 per month.
  2. Progressive: $1,848 per year, or about $154 per month.
  3. Western National: $1,944 per year, or about $162 per month.
  4. Farm Bureau Financial Services: $2,577 per year, or about $215 per month.
  5. Allstate: $2,603 per year, or about $217 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 54 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in South Dakota

South Dakota car insurance policies must include liability insurance and uninsured/underinsured motorist bodily injury coverage with at least the following limits:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per crash.

  • $25,000 property damage liability per crash.

  • $25,000 uninsured/underinsured liability per person.

  • $50,000 uninsured/underinsured liability per crash.

Check out NerdWallet’s guide to minimum car insurance requirements by state for details on how these coverages work, plus information on other options you might want, such as collision and comprehensive coverage.

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Alternative car insurance for high-risk drivers

If you have multiple crashes, poor credit or other insurance red flags, you could have trouble buying a policy on the voluntary market. As an alternative option, you can seek coverage through the South Dakota Automobile Insurance Plan.

For more help finding cheap car insurance in South Dakota, try NerdWallet's car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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