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Who Has Cheap Auto Insurance Quotes in South Dakota?

Enter your South Dakota zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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It’s impossible to miss the captivating ads from car insurance companies like Progressive, Farmers, and GEICO that say if you switch you’ll get the cheapest rates, so you just need to pick one randomly, right?

It’s not that simple, unfortunately, as there are a whole slew of unknown elements like the vehicle you are insuring, the miles you drive each year, whether or not you have had gaps between policies, and your credit score. This article will detail the types of things that cause high car insurance rates and will hopefully give you a good start to your coverage search.

Figuring out which company offers the lowest-priced auto insurance rates in South Dakota will take a tad more effort in order to find the most economical policy. Each insurer has their own process for filing rates in each state, so let’s take a look at the lowest cost auto insurance companies in South Dakota.

It’s important to know that South Dakota auto insurance rates are determined by lots of factors that may substantially change the cost of your policy. Simply having a birthday, having a claim, or getting a few speeding tickets may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest South Dakota car insurance ranked by price
Rank Company Cost Per Year
1 USAA $650
2 Auto-Owners $897
3 State Farm $997
4 Farmers Mutual of Nebraska $1,006
5 Western National $1,046
6 Unitrin $1,065
7 Farmers $1,110
8 Allied $1,143
9 Buckeye $1,190
10 Farm Bureau Mutual $1,235
11 Progressive $1,268
12 American Family $1,480
13 Allstate $1,599
14 GEICO $1,617
15 North Star $1,662
16 National Farmers Union $1,919
17 Safeco $2,529
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USAA may offer some of the lowest car insurance rates in South Dakota at around $650 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National are also some of the best South Dakota auto insurance companies.

In the above example, if you are a customer of State Farm and switched to USAA, you could earn a yearly savings of about $347. Drivers with Farmers Mutual of Nebraska may save as much as $356 a year, and Western National policyholders might cut rates by $396 a year.

If you want to see how much you could save, click here to get a free quote or visit any of the low-priced companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Bear in mind that those estimates are averaged for all drivers and vehicles and and are not figured with a rate discount in South Dakota. So the auto insurance company that has the cheapest rates for you may not even be featured in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

One of the many components that are looked at to help calculate the amount you pay for auto insurance is where your car is garaged. Larger areas like Pine Ridge, Hot Springs, and Mobridge likely pay more, whereas areas with less people or fewer weather incidents benefit from lower prices.

The illustration below lists the most expensive cities in South Dakota in which to buy car insurance.

South Dakota cities ranked by car insurance cost
Rank City Premium Per Year
1 Pine Ridge $1,359
2 Lead $1,273
3 Hot Springs $1,266
4 Spearfish $1,225
5 Mobridge $1,215
6 Sturgis $1,213
7 Belle Fourche $1,213
8 Rapid Valley $1,199
9 Box Elder $1,169
10 Pierre $1,157
11 Rapid City $1,146
12 Yankton $1,109
13 Huron $1,072
14 Mitchell $1,068
15 Milbank $1,064
16 Aberdeen $1,053
17 Madison $1,033
18 Dell Rapids $1,033
19 Brandon $1,024
20 Vermillion $1,020
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Rate quotes are estimated as specific South Dakota garaging address can impact rates greatly.

The type of vehicle on the policy is a significant factor that determines if you can find cheap auto insurance quotes in South Dakota. Vehicles with more horsepower, poor safety ratings, or high incidents of liability claims will cost more to insure than safer models. The information below ranks coverage costs for a number of the most budget-friendly vehicles to buy coverage for.

Cheapest Vehicles to Insure in South Dakota
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $691
Ford F-150 STX Regular Cab 2WD $753
Honda Accord LX-P 4-Dr Sedan $760
Ford Escape XLT 2WD $767
Chevrolet Traverse LTZ AWD $778
Honda CR-V EX-L 2WD $804
Chevrolet Equinox LT 2WD $822
Chevrolet Impala LT $830
Jeep Wrangler Sport Islander Package 4WD 2-Dr $824
Volkswagen Jetta 2.0T Station Wagon $829
Toyota Highlander Sport 2WD $840
Toyota Prius $857
Subaru Outback 2.5I $864
Chevrolet Silverado LT Extended Cab 2WD $871
Toyota Corolla XLE $873
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can decrease or increase auto insurance rates greatly.

Based on these rates, you can see that vehicles like the Hyundai Elantra, Ford F-150, Honda Accord, and Ford Escape are most likely going to be the less-costly vehicles to insure for drivers in South Dakota.

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Difference between full coverage and liability only rates

Finding cheap auto insurance quotes in South Dakota is important to the majority of people, and a great way to save on the cost of insurance is to not insure for full coverage. The diagram below illustrates the difference between insurance costs with full coverage compared to only the South Dakota minimum liability coverage. The price estimates are based on no accidents, no driving violations, $250 deductibles, single status, and no other discounts are factored in.

If all age groups are averaged, full coverage costs $1,553 per year over and above liability coverage. That touches on the question if it’s worth it to buy full coverage. There is no exact rule to delete full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are paying over $700 a year for full coverage, then it could be time to drop full coverage.

There are a few cases where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Safe drivers pay cheaper rates

The easiest method to find cheap auto insurance quotes in South Dakota is to drive attentively and not receive tickets or have accidents. The chart below illustrates how speeding tickets and at-fault fender-benders can raise car insurance rates for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of auto insurance in South Dakota per year with no violations or accidents is $1,327. Add in two speeding tickets and the average cost increases to $1,828, an increase of $501 each year. Then add in one accident along with the two speeding tickets and the annual cost of auto insurance in South Dakota goes up to an average of $2,329. That’s an increase of $1,002, or $84 per month, just for not driving safely!

Discounts on cheap auto insurance quotes in South Dakota

Auto insurance for drivers in South DakotaInsurance providers that offer quotes in South Dakota may provide discounts that can reduce rates by as much as 35% if you meet eligibility requirements. A few popular companies and the discounts they provide are:

  • Progressive offers discounts for good student, online signing, multi-policy, multi-vehicle, online quote discount, and continuous coverage.
  • GEICO has discounts for anti-theft, federal employee, emergency military deployment, air bags, anti-lock brakes, and good student.
  • State Farm may include discounts for anti-theft, Drive Safe & Save, defensive driving training, good driver, passive restraint, driver’s education, and student away at school.
  • Esurance offers discounts including DriveSense, renters, good driver, defensive driver, and paid-in-full.
  • The Hartford offers premium reductions for driver training, anti-theft, vehicle fuel type, bundle, good student, air bag, and defensive driver.

The diagram below shows the comparison of insurance premiums with and without discounts applied to the policy premium. The prices are based on a male driver, no violations or accidents, South Dakota state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, marriage, safe-driver, multiple policy, and accident-free discounts applied. When discounts are factored in, the average yearly reduction on auto insurance in South Dakota is 28% or $630.

Your low-price policy may be costing you money

South Dakota auto insurance rates are impacted by many things which can significantly increase or decrease the price you pay for coverage. Simply turning a year older, becoming a homeowner, or getting a speeding ticket can trigger rate changes resulting in some companies being affordable when they were higher priced.

Additionally, companies change premium rates every year to ensure their profitability. Larger than normal claims may result in rate increases, while better underwriting may result in lower-cost South Dakota car insurance rates.

For example, the bar chart below compares the cheapest car insurance in South Dakota for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. When comparing rates based on her personal risk profile, USAA might quote the best car insurance rates in South Dakota at $638 each year. This is $672 less than the average price paid by South Dakota drivers of $1,310. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin are the rest of the top five cheapest South Dakota auto insurance companies.

In this example, we will give the driver from the above example a claim, bad credit, and a speeding citation. Since each auto insurer has their own process for setting prices, comparing prices may result in a different list of cheap South Dakota auto insurance companies as shown below.

Allied now has the best insurance rate in South Dakota with Farmers, Buckeye, Progressive, and Farm Bureau Mutual now being in the top five. This illustrates why it is important to perform an extensive rate comparison when trying to find the lowest auto insurance rates in South Dakota.

Auto insurance prices are made up of many different factors and can decrease or increase without notice, so the most economical option three years ago may now be one of the more expensive options.

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