The cheapest car insurance in south dakota for 2022

The cheapest car insurance in south dakota for 2022

Cheapest car insurance nerdwallet analyzed auto insurance rates to find you the cheapest car insurance in south dakota for a variety of ages and driving histories.

Auto insurance is an important purchase, but finding cheap car insurance in south dakota isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in south dakota is $1,502 per year, or about $125 per month, according to nerdwallet’s analysis. Minimum coverage in south dakota is $311 per year on average, but we found you can likely get a cheaper policy. For example, farmers mutual of nebraska offers the cheapest rates in south dakota at $177 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record

Cheapest car insurance why you can trust nerdwallet: 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 the country 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.

How we chose the cheapest companies in south dakota

Cheapest car insurance nerdwallet’s editorial team analyzed car insurance rates from 11 auto insurers in south dakota and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 toyota camry l. 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 cverage with a $1,000 deductible.

cheapest car insurance 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 cheapest car insurance

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

  • American family: $1,646 per year, or about $137 per month.
  • Farmers mutual of nebraska: $1,741 per year, or about $145 per month.
  • State farm: $2,089 per year, or about $174 per month.
  • Allstate: $2,451 per year, or about $204 per month.
  • Auto-owners: $2,475 per year, or about $206 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:

  • Farmers mutual of nebraska: $357 per year, or about $30 per month.
  • North star: $426 per year, or about $36 per month.
  • Auto-owners: $464 per year, or about $39 per month.
  • State farm: $486 per year, or about $40 per month.
  • Allstate: $574 per year, or about $48 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:

  • Farmers mutual of nebraska: $513 per year, or about $43 per month.
  • North star: $709 per year, or about $59 per month.
  • Allstate: $740 per year, or about $62 per month.
  • American family: $1,063 per year, or about $89 per month.
  • Auto-owners: $1,085 per year, or about $90 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:

  • Farmers mutual of nebraska: $496 per year, or about $41 per month.
  • American family: $613 per year, or about $51 per month.
  • State farm: $636 per year, or about $53 per month.
  • Auto-owners: $638 per year, or about $53 per month.
  • North star: $658 per year, or about $55 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.

  • Farmers mutual of nebraska: $705 per year, or about $59 per month.
  • American family: $739 per year, or about $62 per month.
  • State farm: $760 per year, or about $63 per month.
  • Progressive: $784 per year, or about $65 per month.
  • Western national: $842 per year, or about $70 per month.

Cheapest for 30-year-old drivers

Cheapest car insurance 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 with clean driving records may get the lowest rates from these companies:
  • Farmers mutual of nebraska: $1,081 per year, or about $90 per month.
  • State farm: $1,150 per year, or about $96 per month.
  • American family: $1,210 per year, or about $101 per month.
  • Auto-owners: $1,375 per year, or about $115 per month.
  • Allstate: $1,453 per year, or about $121 per month.

Car insurance 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:

  • Auto-owners: $179 per year, or about $15 per month.
  • Farmers mutual of nebraska: $186 per year, or about $16 per month.
  • North star: $201 per year, or about $17 per month.
  • State farm: $221 per year, or about $18 per month.
  • Western national: $342 per year, or about $28 per month.
  • Cheapest auto insurance in south dakota for 30-year-olds with poor credit

Cheapest car insurance drivers with poor credit in south dakota should consider the following companies with the lowest average rates for full coverage:

  • Farmers mutual of nebraska: $1,565 per year, or about $130 per month.
  • American family: $1,995 per year, or about $166 per month.
  • Allstate: $2,135 per year, or about $178 per month.
  • Farmers: $2,474 per year, or about $206 per month.
  • North star: $2,739 per year, or about $228 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:

  • American family: $1,210 per year, or about $101 per month.
  • State farm: $1,396 per year, or about $116 per month.
  • Farmers mutual of nebraska: $1,416 per year, or about $118 per month.
  • Auto-owners: $1,728 per year, or about $144 per month.
  • Allstate: $1,956 per year, or about $163 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.

  • American family: $1,498 per year, or about $125 per month.
  • State farm: $1,546 per year, or about $129 per month.
  • Progressive: $2,033 per year, or about $169 per month.
  • Western national: $2,090 per year, or about $174 per month.
  • Farmers: $2,134 per year, or about $178 per month.

Cheapest for 40-year-old drivers

Cheapest car insurance 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:

  • Farmers mutual of nebraska: $990 per year, or about $82 per month.
  • State farm: $1,115 per year, or about $93 per month.
  • American family: $1,140 per year, or about $95 per month.
  • Auto-owners: $1,348 per year, or about $112 per month.
  • Allstate: $1,453 per year, or about $121 per month
  • Cheapest minimum coverage car insurance in south dakota for 40-year-olds

Car insurance drivers in south dakota who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates: cheapest car insurance farmers mutual of nebraska: $172 per year, or about $14 per month.

  • Auto-owners: $189 per year, or about $16 per month.
  • North star: $201 per year, or about $17 per month.
  • State farm: $223 per year, or about $19 per month.
  • Western national: $327 per year, or about $27 per month.
  • Cheapest auto insurance in south dakota for 40-year-olds with poor credit

Cheapest car insurance drivers with poor credit in south dakota can check out the following insurers with the lowest average rates for full coverage:

  • Farmers mutual of nebraska: $1,430 per year, or about $119 per month.
  • American family: $1,875 per year, or about $156 per month.
  • Allstate: $2,135 per year, or about $178 per month.
  • Farmers: $2,383 per year, or about $199 per month.
  • North star: $2,739 per year, or about $228 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:

  • American family: $1,140 per year, or about $95 per month.
  • Farers mutual of nebraska: $1,293 per year, or about $108 per month.
  • State farm: $1,349 per year, or about $112 per month.
  • Auto-owners: $1,703 per year, or about $142 per month.
  • Allstate: $1,956 per year, or about $163 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.

  • American family: $1,411 per year, or about $118 per month.
  • State farm: $1,489 per year, or about $124 per month.
  • Progressive: $1,847 per year, or about $154 per month.
  • Western national: $1,966 per year, or about $164 per month.
  • Farmers mutual of nebraska: $1,967 per year, or about $164 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 car insurance

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:

  • Farmers mutual of nebraska: $906 per year, or about $76 per month.
  • State farm: $1,063 per year, or about $89 per month.
  • American family: $1,067 per year, or about $89 per month.
  • Auto-owners: $1,239 per year, or about $103 per month.
  • Allstate: $1,393 per year, or about $116 per month. Cheapest car insurance
  • 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:
  • Farmers mutual of nebraska: $165 per year, or about $14 per month.
  • Auto-owners: $174 per year, or about $14 per month.
  • North star: $178 per year, or about $15 per month.
  • State farm: $221 per year, or about $18 per month.
  • Western national: $291 per year, or about $24 per month.
  • Cheapest auto insurance in south dakota for 50-year-olds with poor credit

Cheapest car insurance drivers with poor credit in south dakota can check with the following companies, which showed the lowest average rates for full coverage:

  • Farmers mutual of nebraska: $1,311 per year, or about $109 per month.
  • American family: $1,754 per year, or about $146 per month.
  • Allstate: $2,040 per year, or about $170 per month.
  • Farmers: $2,175 per year, or about $181 per month.
  • North star: $2,382 per year, or about $198 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:

  • American family: $1,067 per year, or about $89 per month.
  • Farmers mutual of nebraska: $1,186 per year, or about $99 per month.
  • State farm: $1,295 per year, or about $108 per month.
  • Auto-owners: $1,565 per year, or about $130 per month.
  • Western national: $1,740 per year, or about $145 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. Cheapest car insurance

  • American family: $1,321 per year, or about $110 per month.
  • State farm: $1,434 per year, or about $120 per month.
  • Progressive: $1,678 per year, or about $140 per month.
  • Western national: $1,740 per year, or about $145 per month.
  • Farmers mutual of nebraska: $1,804 per year, or about $150 per month.

Cheapest for 60-year-old drivers

cheapest car insurance 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 car insurance

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:

  • Farmers mutual of nebraska: $803 per year, or about $67 per month.
  • State farm: $985 per year, or about $82 per month.
  • American family: $1,035 per year, or about $86 per month.
  • Auto-owners: $1,158 per year, or about $96 per month.
  • Farmers: $1,301 per year, or about $108 per month. Cheapest car insurance
  • 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:

  • Farmers mutual of nebraska: $149 per year, or about $12 per month.
  • Auto-owners: $175 per year, or about $15 per month.
  • North star: $178 per year, or about $15 per month. Cheapest car insurance
  • State farm: $210 per year, or about $18 per month.
  • Western national: $291 per year, or about $24 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:
  • Farmers mutual of nebraska: $1,161 per year, or about $97 per month.
  • American family: $1,713 per year, or about $143 per month.
  • Allstate: $1,916 per year, or about $160 per month.
  • Farmers: $1,969 per year, or about $164 per month.
  • North star: $2,382 per year, or about $198 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:

  • American family: $1,035 per year, or about $86 per month.
  • Farmers mutual of nebraska: $1,051 per year, or about $88 per month.
  • State farm: $1,197 per year, or about $100 per month.
  • Auto-owners: $1,471 per year, or about $123 per month.
  • Western national: $1,740 per year, or about $145 per month.

Cheapest car insurance 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.

  • American family: $1,288 per year, or about $107 per month.
  • State farm: $1,334 per year, or about $111 per month.
  • Farmers mutual of nebraska: $1,598 per year, or about $133 per month. Progressive: $1,610 per year, or about $134 per month.
  • Western national: $1,740 per year, or about $145 per month. Cheapest car insurance

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 three auto insurance options for 27 of the 48 driver profiles we examined.

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.

Car insurance alternative car insurance for high-risk drivers

Cheapest car insurance 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.

About the author: andrew marder is a nerdwallet authority on insurance. Over more than a decade, he’s worked in everything from banks to tech startups. Cheapest car insurance

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.

More details : click here

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

  • We used a 2019 toyota camry l for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 60 years old in ten-year increments.
  • 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.

Cheapest car insurance for drivers with a dui, we added a single drunken driving violation that happened six months ago.

cheapest car insurance 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.

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