Car Insurance in South Dakota
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- Looking for cheap car insurance in South Dakota?
- How much does car insurance cost in South Dakota?
- Top auto insurance providers in South Dakota
- What car insurance do you need in South Dakota?
- How is your cost of car insurance determined in South Dakota?
- How to save money on car insurance in South Dakota
- Registering your car in South Dakota
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Looking for cheap car insurance in South Dakota?
Rural states tend to offer cheaper car insurance, and South Dakota is no exception. But that doesn’t mean you can’t still save money on insurance by comparison shopping with Jerry!
Home to Mount Rushmore and the Badlands, there are a number of sights to see and places to explore throughout the state of South Dakota. With a mixture of small towns and tourist spots, the price of your car insurance can vary greatly depending on where you live.
Insurance companies take a lot of different factors—including your location—into account when calculating your rates. But they all use different formulas, which means an insurance shopping assistant like Jerry is the easiest way to find cheap car insurance fast.
Whether you live in Sioux Falls or anywhere else in South Dakota, Jerry can generate a list of quotes from top providers in under a minute. Once you choose your ideal policy, Jerry takes care of everything else, from the switchover to renewals.
You don’t have to worry about phone calls, paperwork, or cancelations—and you’ll know you’re always getting the best price.
Here are some real quotes from customers in South Dakota who saved money with Jerry.
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| May 6, 2022 | Chevrolet Trax 1Lt | Aberdeen | Leila H. | 35 | Allstate | $140/mo. | $79/mo. |
| May 7, 2022 | Toyota Venza LE | Brookings | Eugene T. | 60 | Safeco | $250/mo. | $82/mo. |
| April 30, 2022 | Toyota Corolla Base | Sioux-Falls | Miguel F. | 27 | Allstate | $143/mo. | $93/mo. |
| May 14, 2022 | Chevrolet Trax LS | Martin | Mary W. | 62 | Allstate | $250/mo. | $137/mo. |
| May 8, 2022 | Infiniti Q50 Luxe | Sioux-Falls | Arthur K. | 25 | Safeco | $254/mo. | $174/mo. |
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How much does car insurance cost in South Dakota?
The average cost of liability-only car insurance in South Dakota is $1,680 per year. If you prefer to buy full coverage car insurance in South Dakota, you can expect to pay an average cost of $2,267 per year.
How does the annual cost in South Dakota compare to the rest of the country?
In comparison, the national average is $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
What impacts car insurance rates in South Dakota? Here’s what to consider:
- Uninsured drivers: The higher proportion of uninsured drivers in South Dakota can hike up premiums.
- Rural and remote roads: South Dakota is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Insurers can increase premiums to account for this added risk.
Here’s how South Dakota’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| SD | $2,243 | $1,540 | - | - | $2,268 | $2,249 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| SD | National Average | |
All Coverage Before Jerry | $2,243 | $2,436 |
All Coverage After Jerry | $1,540 | $1,660 |
Minimum Coverage Before Jerry | - | $2,296 |
Minimum Coverage After Jerry | - | $1,376 |
Full Coverage Before Jerry | $2,268 | $2,654 |
Full Coverage After Jerry | $2,249 | $1,962 |
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Top auto insurance providers in South Dakota
Drivers in South Dakota have a number of insurance companies to choose from. Popular choices include the Farmers Mutual of Nebraska, USAA, and GEICO, which all provide affordable rates and quality customer service.
If you get quotes in South Dakota for the same car from multiple carriers, you’ll end up with a range of rates. That’s because each carrier uses its own formula to determine the risk presented by drivers.
The car you drive also plays a part in determining your insurance premiums. The popular Dodge Grand Caravan should be cheaper to insure due to its low cost of replacement parts and maintenance. A more expensive vehicle, like a Chevy Corvette will be pricier to repair or replace if you are involved in an accident.
Regardless of your needs, Jerry is there to help you find the best car insurance policies in South Dakota. Here are some of the best prices we have found for our South Dakotan customers:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Nationwide | $2,627 | $1,003 | Compare Prices |
| Safeco | $2,309 | $713 | Compare Prices |
| State Auto | $2,383 | $686 | Compare Prices |
| Allstate | $2,062 | $621 | Compare Prices |
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What car insurance do you need in South Dakota?
In South Dakota, drivers are required to carry a minimum of liability insurance before they can hit the road. The minimum coverage requirements are as follows:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $25,000 per accident | Covers the costs associated with the damage you cause to other people’s vehicles or property |
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident | Reimburses you for expenses stemming from an accident caused by an uninsured driver. |
If you let your coverage lapse, or if you fail to buy car insurance altogether, and you get caught, potential consequences include:
- Fines between $100 to $500.
- Suspension of your registration, driver’s license, and plates.
- Reinstatement fees between $50 to $200.
- Possible jail time up to 30 days.
While you may think having the minimum required liability coverage in South Dakota is sufficient, there’s no guarantee that it will cover all the expenses associated with an accident. Investing in further coverage, if you can afford it, is highly recommended.
South Dakota drivers should consider the following insurance:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Roadside assistance | Covers the costs associated with a breakdown, including towing and labor costs. |
No matter the coverage you choose, Jerry will help you find the cheapest policies with the least amount of hassle.
Jerry contacts your insurance company to get the details of your current coverage so you don’t have to scale a mountain of questions. You get all the best prices and coverage with none of the legwork. And if that company isn’t for you, Jerry helps cancel your old policy.
To ensure you always have the lowest rate, Jerry will even send you new quotes every time your policy comes up for renewal.
Now that we’ve gone over the basics, here are some things to consider when insuring your car in South Dakota.
How is your cost of car insurance determined in South Dakota?
There are various factors that influence your insurance rate, the most common of which are age, driving record, location, and vehicle type.
Cost to insure your car in South Dakota by age
Experience plays a big role in determining insurance rates—so the younger the driver, the higher the insurance rates will generally be. Young drivers are also more likely to engage in risky behavior behind the wheel and are more likely to be involved in an accident.
What young drivers in South Dakota need to know
- The graduated licensing laws in South Dakota help young drivers learn and develop the necessary skills to stay safe on the road.
- Completing an approved defensive driving course can help young drivers obtain lower premiums.
- Maintaining a good average can qualify student drivers for a good student discount.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes. Shopping around for cheap rates and maintaining a clean driving record can be useful to help lower premiums.
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 offered to drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $1,680 | $454 |
| 21-24 | $3,419 | $1,032 |
| 25-34 | $2,499 | $926 |
| 35-44 | $2,543 | $872 |
| 45-54 | $2,114 | $713 |
| 55-64 | $2,895 | $1,650 |
| 65+ | $1,560 | $430 |
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Cost to insure your car in South Dakota with a poor 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 | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,333 | $696 |
| Speeding under 15 | $2,958 | $831 |
| Careless Driving | $1,896 | $92 |
| Other | $5,796 | $3,331 |
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Cost to insure your car in South Dakota based on where you live
South Dakota’s low population density helps to keep the insurance rates in the state relatively affordable.
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 due to higher rates of accidents, thefts, and claims.
These are the top 10 cheapest cities for car insurance in South Dakota:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Aberdeen | $2,560 | $1,332 |
| Box Elder | $1,856 | $696 |
| Brookings | $2,673 | $1,656 |
| Huron | $3,552 | $760 |
| Rapid City | $2,155 | $676 |
| Sioux Falls | $2,711 | $958 |
Tea | $2,400 | $767 |
| Yankton | $2,982 | $1,257 |
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Cost to insure your car in South Dakota based on the type of car you drive
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.
The Ford F-150 is one of the most popular vehicles in South Dakota, and is one of the more inexpensive trucks to insure. But if you go for the pricier Ford Mustang, you may find yourself facing higher premiums due to the more expensive costs associated with it.
Here’s what South Dakota drivers can expect to pay to insure some popular makes and models—with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ford F150 Supercrew | $2,916 | $2,222 |
| Mazda Cx-3 Touring | $2,568 | $1,935 |
| Honda Hr-V EX | $1,787 | $1,561 |
| Dodge Avenger SE | $1,364 | $1,364 |
| Lexus RX 300 | $1,068 | $1,006 |
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How to save money on car insurance in South Dakota
Whether you’re situated in rural South Dakota or you call Sioux Falls home, there are numerous ways to save money on your car insurance.
Shop around for quotes
Comparison shopping is the most effective method to find the best car insurance rates. And thanks to the super-app Jerry, it’s an easier process than you may think.
A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price!
Look for discounts
Never underestimate a good discount! The majority of insurance companies have a number of discounts that can help lower your premium if you qualify.
Some of the most common car insurance discounts in South Dakota include:
| Discount type | Who is eligible? |
|---|---|
| Bundling your policies | Get your car and home policies from the same company and you could enjoy a reduced premium |
| Go paperless | By switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance. |
| Good student discount | Full-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 discount | If 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. |
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Increase your deductible
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.
Registering your car in South Dakota
To register your vehicle in South Dakota, you’ll need to bring the following paperwork to your closest DMV:
- Valid driver’s license or ID card.
- Proof of insurance.
- Proof of sales tax payment.
- A car title or signed lease agreement.
- Proof of a safety inspection.
- Proof of a smog test, depending on the age of the vehicle.
Be sure to make an appointment beforehand so you’re not stuck waiting in line at the DMV. Drivers in South Dakota must renew their vehicle registration annually.
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