Car Insurance in South Dakota
- How Much is Car Insurance in South Dakota?
- Real Quotes for Jerry.ai Customers in South Dakota
- The Cheapest Car Insurance in South Dakota
- Most Popular Insurance Companies in South Dakota
- Cost to Insure Different Cars in South Dakota
- Car Insurance Laws in South Dakota
- Car Registration Information in South Dakota
Looking for car insurance in South Dakota? Here you’ll find all the information you need on driving a car in The Mount Rushmore State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Sioux Falls or Rapid City, Aberdeen or Brookings — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for South Dakota car insurance.
How Much is Car Insurance in South Dakota?
Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in South Dakota, here’s what you should know about how much you’ll pay for insurance: On average, drivers in South Dakota pay $2,222.55 each year for car insurance. This means drivers in South Dakota pay 24% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
What’s Your Rate?
But how do you know what policy is right for you in South Dakota? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in South Dakota, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.
Real Quotes for Jerry.ai Customers in South Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2021-02-24 |
| 32 year old male | Nationwide | $97.81 | $78.02 | Preferred |
| 2021-02-17 |
| 30 year old male | Safeco | $100.91 | $89.09 | Standard |
| 2021-02-06 |
| 64 year old female | Nationwide | $54.13 | $10.87 | Preferred |
| 2021-01-04 |
| 52 year old male | State Auto | $179.86 | $53.47 | Standard |
| 2021-01-15 |
| 25 year old male | Nationwide | $116.53 | $73.47 | Standard |
The Cheapest Car Insurance in South Dakota
Which companies offer cheap car insurance in South Dakota? Below, we’ve ranked South Dakota car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
Cheapest Car Insurance in South Dakota for Basic Coverage
There’s all kinds of auto insurance you can get in South Dakota, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by South Dakota. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in South Dakota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Basic Coverage in South Dakota
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $915.68 |
Real Jerry Quotes for Basic Coverage in South Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2020-12-24 |
| 23 year old male | Nationwide | $97.11 | $152.90 |
| 2020-12-15 |
| 22 year old male | Nationwide | $103.47 | $246.53 |
| 2020-11-19 |
| 21 year old female | Metlife | $57.83 | $48.17 |
| 2020-12-23 |
| 22 year old male | Nationwide | $73.88 | $76.12 |
| 2021-01-18 |
| 23 year old male | The General | $101.33 | $18.67 |
Average Cheapest Car Insurance for Standard Plans in South Dakota
Most drivers will want more than the basic minimum coverage that South Dakota requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in South Dakota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!
Average Cheapest Car Insurance for Standard Coverage in South Dakota
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $1,317.43 |
| 2 | Safeco | $1,637.50 |
| 3 | State Auto | $1,684.21 |
Real Jerry Quotes for Standard Coverage in South Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-23 |
| 37 year old female | Nationwide | $134.49 | $125.52 |
| 2021-02-17 |
| 30 year old male | Safeco | $100.91 | $89.09 |
| 2020-11-20 |
| 40 year old female | Nationwide | $55.75 | $10.92 |
| 2020-11-19 |
| 34 year old female | Safeco | $110.42 | $89.58 |
| 2020-11-26 |
| 20 year old female | Safeco | $453.10 | $43.90 |
Cheapest Car Insurance in South Dakota for Preferred Coverage
Preferred coverage protects South Dakota drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in South Dakota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Preferred Coverage in South Dakota
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $1,586.82 |
| 2 | Safeco | $1,714.77 |
| 3 | State Auto | $2,045.20 |
Real Jerry Quotes for Preferred Coverage in South Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-20 |
| 39 year old female | Nationwide | $140.16 | $99.84 |
| 2021-01-26 |
| 43 year old female | Nationwide | $132.09 | $82.41 |
| 2020-12-12 |
| 28 year old male | Nationwide | $104.31 | $115.70 |
| 2021-01-05 |
| 24 year old male | Nationwide | $86.72 | $10.28 |
| 2021-01-20 |
| 30 year old male | Safeco | $119.35 | $70.65 |
Most Popular Insurance Companies in South Dakota
| Insurance company | Average annual premium in South Dakota |
|---|---|
| Nationwide | $1,445.70 |
| Safeco | $3,035.60 |
| State Auto | $3,890.36 |
Cost to Insure Different Cars in South Dakota
Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for South Dakota drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in South Dakota. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2021-01-14 |
| 32 year old female | State Auto | $114.95 | $36.05 | Standard |
| 2021-02-11 |
| 49 year old female | Nationwide | $97.69 | $135.65 | Preferred |
| 2020-12-01 |
| 26 year old male | Nationwide | $130.08 | $10.92 | Preferred |
| 2020-11-24 |
| 59 year old female | The General | $57.33 | $42.67 | Preferred |
| 2020-12-12 |
| 28 year old male | Nationwide | $104.31 | $115.70 | Preferred |
| 2021-01-24 |
| 36 year old male | State Auto | $118.91 | $301.09 | Standard |
| 2021-01-30 |
| 58 year old male | Nationwide | $58.19 | $191.81 | Standard |
Car Insurance Laws in South Dakota
Needles Highway through the Black Hills National Forest will get you to Mount Rushmore, but it’s not necessarily representative of all the driving you might do in South Dakota. Sioux Falls and Rapid City have their fair share of traffic congestion from local commuters and visitors alike, and it can contribute to the state’s significant number of car accidents every year. Consequently, car insurance premiums are on the rise.
In South Dakota, there are laws in place that require drivers to carry car insurance with minimum coverage limits set out. Here’s what you need to know about the car insurance you must maintain in South Dakota to legally drive.
What Car Insurance Is Required by Law in South Dakota?
The ability to register your vehicle in South Dakota hinges upon the driver first securing minimum auto insurance coverage. At all times when you’re driving, you must be able to show law enforcement proof of insurance that includes Bodily Injury Liability (BIL), Property Damage Liability (PDL), and uninsured motorist coverage.
South Dakota is a tort state, also known as an at-fault state, and all financial liability for a car accident falls squarely on the driver who is found at fault. BIL coverage is the portion of car insurance that provides compensation to parties other than the driver at fault for injuries sustained in the accident. That can include medications, doctor’s visits, emergency care, and lost wages.
In a similar way to BIL, PDL insurance covers expenses incurred by others related to property damage that results from the accident or crash. Losses can be anything from buildings and cars to lawn reparations and utility poles. PDL does not cover the at-fault driver’s vehicle, though.
Since South Dakota is a tort state, injuries and property damage you suffer when someone else is at fault are charged to their insurance company. However, minimum coverages often aren’t enough to cover all the expenses. Underinsured motorist coverage is also mandatory and provides compensation for damages that exceed the at-fault driver’s insurance limitations. Uninsured motorist coverage is very similar but protects you if the driver at fault does not have active insurance at all.
Can You Drive a Car without Insurance in South Dakota?
It is not legal to drive a vehicle without proof of insurance or financial responsibility in the state of South Dakota. It is a Class 2 misdemeanor offense for drivers caught operating a motor vehicle without proof of insurance and can result in your driver’s license being suspended for up to a year, up to $500 in fines and reinstatement fees, and possibly up to 30 days in jail as well.
Not only are there fees to have your license reinstated, but you’ll be compelled to get SR-22 insurance before you can legally drive again. SR-22 isn’t insurance in itself, but rather it’s proof of financial responsibility that you have met the minimum requirements of insurance. An SR-22 certificate will need to stay on file with the South Dakota DMV for at least three years. Although it only costs around $15 for the certificate from most insurers, it’s likely that your insurance premiums will be higher due to your conviction.
What Are the Minimum Car Insurance Requirements in South Dakota?
Drivers in South Dakota must abide by state laws surrounding the minimum coverage amounts for car insurance. These laws are intended as a protection for not just the driver but for other drivers around them and any property that might be damaged as a result of an accident. These minimum auto insurance coverages must be maintained to legally drive in South Dakota.
Minimum Insurance Requirements in South Dakota
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $25,000
- Underinsured/Uninsured motorist coverage: matching limits to BIL and PDL
Car Registration Information in South Dakota
Once a vehicle is insured in South Dakota, it can be registered. To operate on the roadways in the state, residents must ensure that a vehicle is registered within South Dakota. It’s part of the titling process with the Department of Revenue’s Motor Vehicle Division.
For an initial registration, a bill of sale with the purchaser’s and seller’s information, vehicle details including the vehicle identification number (VIN) and title or certificate of origin must be presented to the local county treasurer’s office along with the application for motor vehicle titling. You’ll receive license plates that have to be attached to your car at all times. You can apply for a $25 permit to drive with only a rear plate, and renewal stickers that have the expiry date need to be installed.
Renewing your registration has been made easy by South Dakota. You can renew your registration online using the MySDcars website or by visiting one of the many kiosks shown on the site. It’s also possible to renew in-person at the county treasurer’s office or by mail.
The initial registration fee requires that the car owner pays a 4% excise tax on the car’s value plus a $10 title fee. Annual registration fees are based on the vehicle’s Gross Vehicle Weight (GVW) and range from $60 to $144.