Cheapest Insurance in South Dakota 2021

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With its largely rural geography and a low cost of living, South Dakota makes it into the top 20 most affordable states to buy car insurance.
But that doesn’t mean South Dakota drivers should forget about comparison shopping.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in South Dakota. If you want to learn more about South Dakota’s car insurance rates, then read on.
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Here’s how much real Jerry customers saved in South Dakota when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
April 2, 2021Volkswagen Passat SESioux Falls35NationwideCustom$200/mo.$113/mo.
May 12, 2021Toyota RAV4 LimitedSioux Falls30AAACurrent$291/mo.$157/mo.
June 16, 2021Nissan Altima 2.5Sioux Falls22ClearCoverCustom$200/mo.$168/mo.
January 4, 2021Chevrolet Impala LTSioux Falls20SafecoPredicted$307/mo.$188/mo.
March 21, 2021Cadillac SRX Performance CollectionSioux Falls29State AutoStandard$320/mo.$188/mo.

Cheapest minimum coverage car insurance in South Dakota

In South Dakota, people who purchase car insurance are required to get the following minimum coverages:
  • $[25,000] bodily injury liability per person
  • $[50,000] bodily injury liability per accident
  • $[25,000] property damage liability per accident
  • $[50,000] uninsured/underinsured motorist protection
Remember, the minimum insurance coverage is not a recommendation—it’s a requirement! It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in South Dakota:
Before Jerry
After Jerry
$3,383$1,995
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Additional coverages you might want to consider when shopping for car insurance in South Dakota

Risk factorCoverage to consider
Uninsured driversIf you get into an accident with an uninsured driver, uninsured motorist protection can help with your expenses.
Roadside assistanceSouth Dakota is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Roadside assistance will cover your towing and other expenses associated with a breakdown.
South Dakota presents unique risks to drivers due to its rural status and proportion of uninsured drivers. Before purchasing car insurance, make sure to consider additional coverage (like Medpay) to protect you and your passengers from unexpected costs.

Best carriers for minimum liability car insurance in South Dakota

Driving without insurance in South Dakota is a criminal offense.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in South Dakota:
Insurance Company
Before Jerry
After Jerry
Safeco$3,383$1,995

Cheapest full coverage car insurance in South Dakota

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Yes, you can expect to pay slightly more for full coverage insurance policies. However, the protection you get in return will be absolutely worth it.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,928$2,239
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Best carriers for full coverage car insurance in South Dakota

If you’re looking for the most affordable rate for full coverage car insurance, comparing multiple providers is the easiest and most efficient way to make a decision.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in South Dakota:
Insurance Company
Before Jerry
After Jerry
Safeco$3,144$2,013
Nationwide$2,820$2,352
While minimum liability coverage plus uninsured motorist coverage are enough to let you drive legally in South Dakota, full coverage offers stronger protection and can provide peace of mind. Choose a company that offers the protection you need as well as service you can rely on.

Cost to insure your car in South Dakota by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in South Dakota, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural South Dakota or move to Sioux Falls—start by quote shopping with Jerry.
Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$3,684$2,415
21-24$2,400$1,908
25-34$2,515$1,557
35-44$2,718$1,446
45-54$2,800$1,272
55-64$3,000$1,902
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Cost of insurance for drivers in South Dakota with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In South Dakota, insurance companies can see all your traffic offenses within the last 10 years. If you commit another violation within that period, it will be considered a second offense and you’ll be hit with even more serious penalties.
But there’s good news! Jerry can help South Dakota drivers find great car insurance even with a blemish on their driving record.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,954$2,216
Speeding under 15$2,382$2,058

Best carriers for drivers with infractions in South Dakota

Insurance Company
Before Jerry
After Jerry
Safeco$2,880$1,268
Nationwide$2,048$1,629
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible for South Dakota drivers to find affordable insurance if they have a traffic violation on their record.
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Cost of insurance for young drivers in South Dakota with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Some offenses stay on your record for many years—way past the time you’d be considered a ‘young driver’.
Fortunately, Jerry can help young South Dakota drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,952$3,350
Speeding under 15$2,382$2,058
If you’re looking for the most affordable insurance for a young driver with a poor driving record in South Dakota, check out these top carriers.

Best carriers for young drivers with infractions in South Dakota

Insurance Company
Before Jerry
After Jerry
Nationwide$2,364$2,208
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
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Types of discounts that might be available to you in South Dakota

Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in South Dakota. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in South Dakota include:
Discount typeWho is eligible?
Bundling your policiesGet your car and home policies from the same company and you could enjoy a reduced premium
Go paperlessBy switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance.
Good student discountFull-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average.
Vehicle safety discountIf your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in South Dakota?

If you drive a relatively inexpensive car or truck, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than an expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what South Dakota drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Make / model
Before Jerry
After Jerry
Honda Hr-V EX$1,428$1,104
Hyundai Elantra GLS$1,965$1,068
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Cheapest car insurance in South Dakota by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Here are the top 10 cheapest cities for car insurance in South Dakota:
City
Before Jerry
After Jerry
Sioux Falls$3,709$2,917
Rapid City
$2,012$1,558
Yankton
$2,371$1,241
Aberdeen
$3,000$1,902

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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