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Cheapest Car Insurance in South Dakota (Dec 2023)
Cheapest Car Insurance in South Dakota (Dec 2023)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in South Dakota.
Find Insurance Savings (100% Free!)
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in South Dakota
- Cheapest South Dakota car insurance for good drivers
- Cheapest car insurance companies in South Dakota
- South Dakota Car Insurance Coverage Requirements
- Cheapest full coverage car insurance quotes in South Dakota
- South Dakota Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in South Dakota?
- Car Insurance for High-Risk South Dakota Drivers
- Car Insurance for South Dakota Drivers With DUI
- Car Insurance for South Dakota Drivers With a Coverage Lapse
- Car Insurance for South Dakota Drivers With a Low Credit Score
- South Dakota Car Insurance Cost by Age
- Cheapest car insurance for popular cars
- Is it cheaper to insure a new car or a used car?
- South Dakota cheapest car insurance by location
- How to lower the cost of car insurance in South Dakota
- Why is car insurance so expensive in South Dakota?
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in South Dakota
There’s not a single
car insurance
provider that consistently offers everyone the lowest rates—and that’s why it’s in consumers’ best interest to find and compare multiple quotes before choosing an auto insurance policy.Fortunately, Jerry makes
shopping for car insurance
from top providers quick and easy. When you find the right coverage at the right price, Jerry can even help you transition to your new policy.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Safeco | $95 | Janie, 34 Watertown, SD | Cadillac Escalade ESV | • State Minimum Liability • Comp / Collision |
| Allstate | $128 | Elmer, 32 Brookings, SD | Honda Civic EX | • 50,000/100,000 Liability • Comp / Collision |
| Nationwide | $131 | Susan, 41 Valley Springs, SD | Mazda CX-3 Touring | • 100,000/300,000 Liability • Comp / Collision |
| AAA | $184 | Bettie, 21 | Chevrolet Malibu 1LT | • State Minimum Liability • Comp / Collision |
| State Auto | $211 | Bertie, 28 | Jeep Wrangler Sport | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Dec 6, 2023Cheapest South Dakota car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in South Dakota can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Riley, 25 | 90 | 32% | No |
|
Michael, 34 | 80 | 26% | No |
|
Dominic, 44 | 97 | 39% | No |
|
Ralph, 54 Edgemont, SD | 84 | 27% | No |
|
Ernest, 64 Batesland, SD | 94 | 37% | No |
|
Cheapest car insurance companies in South Dakota
To find the cheapest car insurance providers in South Dakota, we conducted the largest insurance shopping survey in the country.
What we found: There really isn’t a car insurance company that’s “best” or “cheapest” for every person. The best car insurance company for your friend in Sioux Falls may not be the cheapest insurance option for you in Vermillion or Rapid City, for instance.
This is largely because different providers use different methodologies to determine the cost of your premium. To find the cheapest South Dakota car insurance for you, you’ll likely need to do some shopping around.
But great customer service is just as important as finding a great rate. Here’s what Jerry users have to say about their own providers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Progressive | December 5, 2023 | 5 | "I got a really great rate! They saved me a bunch of money! Great service. I got all my paperwork right away. " -Gordon |
| Encompass | December 1, 2023 | 3 | "Could be better but exceptional " -Charlie |
| Progressive | December 1, 2023 | 4 | "They were the only one to give me chance to get auto insurance and a Reasonable price when I was young so I do recomm...(read more)" -Kevin |
| AAA | November 28, 2023 | 4 | "I had never set up my own policy and being I just became an adult I wanted to take that step. Jerry made it extremely...(read more)" -Katherine |
| Dairyland | November 26, 2023 | 5 | "Wonderful coverage for the price! " -Inez |
Last Updated Dec 5, 2023
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The easiest way to find the best rate your next car insurance policy: Use a
car insurance comparison app
or website like Jerry to compare quotes from top providers
, all in one place.Jerry is a licensed insurance broker, which means that with the help of our team of 100+ licensed insurance agents, we can even help you set up your new policy and cancel your old one.
Minimum liability and full coverage
Like the majority of states, South Dakota requires drivers to have a minimum amount of liability insurance. However, many drivers will also benefit from full coverage, which will cover damages to your own vehicle.
Cheapest minimum liability coverage car insurance quotes in South Dakota
South Dakota’s car insurance laws
set forth the following minimum auto insurance requirements:- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
Here’s a look at rates Jerry users have found for minimum liability coverage in South Dakota.
Do you need more than minimum coverage in South Dakota?
In the majority of cases, it’s beneficial for South Dakota drivers to carry more than minimum liability coverage.
While minimum liability coverage will give you the cheapest car insurance rates, it runs the risk of leaving you underinsured. It’s important to note that liability insurance won’t cover damage to your vehicle at all—only damages and medical bills for the other parties involved.
South Dakota’s legally required minimum coverage limits can easily be exceeded in more severe accidents, and if you’re found at fault for the collision, you could be responsible for paying any remaining expenses for damages and injuries yourself.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage car insurance quotes in South Dakota
Full coverage car insurance
, which includes comprehensive
and collision coverage
, will cover damage to your own vehicle. Collision coverage pays for damage after a vehicle accident, while comprehensive coverage covers damage that results after a range of other types of incidents, like vandalism, theft, or severe weather.Your car loan lender might require full coverage: While not required by law, if you’re financing a car purchase with a loan, most lenders will require that you carry full coverage for the duration of the loan.
Here’s what some South Dakota drivers have paid for full coverage auto insurance policies they found with Jerry.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | AAA | $184 | Susie, 21 | Chevrolet Malibu 1LT |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $71 | Genevieve, 43 | GMC Sierra K1500 |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $158 | Mittie, 66 | Chevrolet Camaro LS |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $152 | Lelia, 67 Lead, SD | Chevrolet Tahoe K1500 Z71 |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $211 | Bertie, 28 | Jeep Wrangler Sport |
Last Updated Dec 9, 2023Average rates for state minimum liability coverage and full coverage
Jerry’s survey found that policyholders in South Dakota paid an average of $106 per month or $1,269 per year for minimum liability coverage. For full coverage, the average cost for an annual premium was $2,347, which comes out to about $196 per month.
Keep in mind: Reviewing average costs can be a helpful start when insurance shopping, but your actual premium cost will depend on numerous factors. Many of them will be specific to your unique driver profile—like your location, demographics, driving record, and the type of vehicle you drive.
South Dakota car insurance: Additional coverages
In addition to comprehensive and collision coverage, you can also choose other coverage options such as:
If you have a car loan: Consider
gap insurance
, which can pay off your auto loan if your vehicle is totaled or stolen and the balance of your loan exceeds the car’s value.If you don’t own a car but borrow someone else’s: Consider a
non-owner car insurance
policy. This will give you liability coverage that’s legally required, and you can often add optional coverage types to your policy. However, a non-owner policy won’t include collision or comprehensive coverage since the vehicle owner will need to have these on their own policy.How Do Different Factors Impact Your Car Insurance Costs in South Dakota?
How Do Different Factors Impact Your Car Insurance Costs in South Dakota?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): South Dakota currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in South Dakota:
Cheapest South Dakota car Insurance after a driving violation
Insurers will look at your
South Dakota driving record
to determine your level of risk as a policyholder. If you have multiple or severe violations on your record, expect a more expensive premium.Cheapest car insurance for South Dakota drivers with a speeding ticket
A speeding ticket for 20 mph over the speed limit may not have the same impact as a speeding ticket for only 5 mph over the speed limit.
Even with a speeding violation, shopping around can help you find the most affordable policy for you. Here’s what rates other South Dakota drivers with speeding tickets have found with Jerry.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | The General | $288 | Johanna, 24 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Nationwide | $94 | Gene, 28 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | AAA | $109 | Devin, 36 | • 50,000/100,000 Liability |
Last Updated Dec 3, 2023Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Great service!
Shawna
Very reliable and good prices!
Britney
GAINSCO has been amazing to us already! Highly recommended
Brooke
Great! Best affordable car insurance around.
June
Cheapest auto insurance in South Dakota after a DUI
South Dakota DUI violations
come with some of the steepest car insurance rate increases—but shopping around for quotes can help you find more affordable options.Here are rates Jerry users have found after receiving a DUI.
South Dakota SR-22 insurance
Serious traffic violations, like
reckless driving
or a DUI, might mean you need to file a South Dakota SR-22
for a certain period of time to confirm you have adequate car insurance coverage. Keep in mind: While some providers may not offer policies to drivers with SR-22 requirements, others specialize in insuring high-risk drivers, so shopping around can still help you find more affordable options for your situation.
Cheapest South Dakota auto Insurance after an at-fault accident
At-fault accidents will often result in a significant car insurance rate increase. When this happens, it can be a good time to shop around for new rates to minimize the impact on your budget.
Jerry has helped South Dakota drivers save, even after at-fault accidents.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With No Injury | AAA | $176 | Justin, 55 Huron, SD | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Safeco | $152 | Max, 67 Lead, SD | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $113 | Bertie, 57 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Dec 9, 2023FAQ
Is South Dakota a no-fault state?
South Dakota’s car accident laws
designate it as an at-fault state. This means that when a car accident occurs, the driver determined to be at fault is financially responsible for any resulting injuries or property damage that result from the crash. In the event that an at-fault driver doesn’t have adequate insurance coverage of their own, uninsured/underinsured motorist coverage can provide you with extra financial protection.
Cheapest auto insurance after other violations in South Dakota
How much a traffic violation will affect your car insurance costs in South Dakota will vary depending on your provider and the severity of the offense.
Take a look at what South Dakota drivers have paid for policies they found with Jerry after various types of traffic violations.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Allstate | $144 | Adeline, 43 Britton, SD | KIA Sorento | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | The General | $209 | Cordelia, 53 | Chrysler 200 Limited | • 50,000/100,000 Liability • Comp / Collision |
DUI | AAA | $63 | Danny, 38 Brandon, SD | Chevrolet Malibu Maxx LS | • State Minimum Liability |
Failure to Obey Signal | State Auto | $178 | Ryan, 27 Watertown, SD | Lexus GS 350 | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | State Auto | $178 | Thomas, 27 Watertown, SD | Lexus GS 350 | • State Minimum Liability • Comp / Collision |
Speeding Violation-Minor | Nationwide | $143 | Brandon, 32 Ellsworth Air Force Base, SD | Hyundai Tucson GLS | • 100,000/300,000 Liability • Comp / Collision |
Suspension | AAA | $142 | Cynthia, 27 | Buick Verano | • 50,000/100,000 Liability • Comp / Collision |
Other Minor | Nationwide | $237 | Herman, 23 Kennebec, SD | Ford Mustang GT | • State Minimum Liability • Comp / Collision |
Last Updated Dec 8, 2023Cheapest South Dakota auto insurance based on insurance history
South Dakota auto insurance companies will typically look at your insurance history when calculating your rate. If you had a
lapse in insurance coverage
, you might be deemed a higher risk and end up paying more for coverage.Good news: Since Jerry knows that making on-time payments is essential for keeping your policy in good standing, we can send customers payment reminders and even late payment warnings.
Whether you’ve had a coverage lapse or not: Gathering multiple car insurance quotes will allow you to compare your options and find the right price for the coverage level you need. But even if you have experienced a coverage lapse, you might still be able to find savings by shopping around.
Allie (29 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$171
per month
Max (27 years old)
$165
per month
Mildred (37 years old)
$100
per month
Callie (29 years old)
$164
per month
Raymond (34 years old)
$94
per month
Alma (27 years old)
$165
per month
Cheapest car insurance for drivers with poor credit
Your credit score can still have an impact on your car insurance costs. This is largely because policyholders with poor credit history are considered more likely to file claims.
Drivers who are struggling with bad credit can take steps where possible to build credit and qualify for lower car insurance rates in the future. In the meantime, shopping around can still help you find a more affordable policy.
Take a look at what South Dakota drivers with varying credit scores have paid for car insurance.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | AAA | $106 | Gabriel, 24 Spearfish, SD | Toyota Prius | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Allstate | $130 | Johnny, 57 | Nissan Pathfinder S | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Safeco | $117 | Ruby, 36 Pierre, SD | Nissan Juke S | • 100,000/300,000 Liability • Comp / Collision |
< 550 | State Auto | $178 | Warren, 27 Watertown, SD | Lexus GS 350 | • State Minimum Liability • Comp / Collision |
Last Updated Dec 9, 2023Cheapest South Dakota car insurance by age
Your age will have a significant impact on what you pay for car insurance in South Dakota.
Generally speaking, young drivers have the highest car insurance rates. After your teen years, car insurance will typically get less expensive over time until it begins to rise again once you reach your mid-seventies.
2
Cheapest South Dakota car insurance for young drivers
Insurance rates for teen drivers
are some of the highest in South Dakota.This is largely because they’re still new to driving and have significantly higher risks of getting into accidents.
For this reason, it’s a good idea to consider full coverage for vehicles used by teen drivers—especially if they’re newer or more valuable.
Lewis (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$239
per month
Nannie (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Jefferson, SD
BMW 528 XI$279
per month
Cheapest South Dakota car insurance for senior drivers
Car insurance rates generally start to rise again as drivers reach their mid-seventies.
This is largely due to:
- Increased accident risk
- Risk of more severe injuries after a collision
Shopping around for quotes can still help you ensure you find the lowest possible
insurance rates for seniors
.South Dakota senior drivers have found savings with Jerry’s help.
Dennis (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Lexus ES 330$66
per month
Theresa (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$128
per month
Lelia (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Lead, SD$152
per month
Owen (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Saint Francis, SD$125
per month
Over 3,500,000 customers and counting
We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Good Insurance!
Corey
Best service I've ever got.
Luisa
By far the cheapest and best insurance, yet fits right into my budget!
Bethane
Overall, progressive is the right choice for my insurance needs.
TP
Cheapest car insurance for popular cars
What you drive has a notable impact on your South Dakota auto insurance rate. Your insurance company will consider the vehicle’s safety, value, and potential repair and replacement costs to determine your rate.
These are some of South Dakota’s most popular vehicles:
- Ford F-150
- GMC Sierra 1500
- Honda Civic
- Toyota RAV4
- Jeep Cherokee
- Chevrolet Silverado 1500
- Nissan Sentra
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic EX | Allstate | $128 | Brett, 32 Brookings, SD | • 50,000/100,000 Liability • Comp / Collision |
| Jeep Cherokee Trailhawk | AAA | $149 | Jesus, 28 Webster, SD | • 100,000/300,000 Liability • Comp / Collision |
| Nissan Sentra S | State Auto | $122 | Steve, 50 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Dec 7, 2023Is it cheaper to insure a new car or a used car?
New cars usually cost more to insure than older ones.
Jerry’s data shows that full coverage insurance cost for a car older than 10 years is $1,463 per year in South Dakota. When the vehicle is less than 4 years old, that cost rises to $1,781 a year.
Lenora (27 years old)
$72
per month
Ophelia (43 years old)
$71
per month
Trevor (35 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$69
per month
South Dakota cheapest car insurance by location
Your location has a major impact on your car insurance premium due to the risk factors it may or may not present. You might even find that different parts of your city may see different rates.
Insurers will consider your area’s:
- Population density
- Accident rates
- Crime rates
- Weather trends
Additionally, you can usually expect your car insurance costs to be lower if you’re able to keep your vehicle in a secure garage where it can be kept safe from tampering or inclement weather.
Here’s a look at how car insurance rates can vary for different drivers across South Dakota.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Tulare, SD | Jessie, 43 | Nationwide | $123 | Chevrolet Suburban K1500 LT | • 250,000/500,000 Liability • Comp / Collision |
| Sioux Falls, SD | Samuel, 66 | Allstate | $158 | Chevrolet Camaro LS | • 100,000/300,000 Liability • Comp / Collision |
| Rapid City, SD | Susie, 21 | AAA | $184 | Chevrolet Malibu 1LT | • State Minimum Liability • Comp / Collision |
| Lead, SD | Bess, 67 | Safeco | $152 | Chevrolet Tahoe K1500 Z71 | • 100,000/300,000 Liability • Comp / Collision |
| Sioux Falls, SD | Kathryn, 30 | National General | $126 | Honda HR-V EX | • State Minimum Liability • Comp / Collision |
| Watertown, SD | Lula, 34 | State Auto | $94 | Cadillac Escalade ESV | • State Minimum Liability • Comp / Collision |
| Aberdeen, SD | Hattie, 24 | Dairyland | $75 | Dodge RAM 1500 Laramie | • State Minimum Liability |
| Rapid City, SD | Kenneth, 31 | The General | $63 | Chevrolet Silverado K1500 | • State Minimum Liability |
Last Updated Dec 8, 2023How to lower the cost of car insurance in South Dakota
If you’re looking for cheap auto insurance in South Dakota, here are some tips from Jerry’s team of licensed insurance agents that could save you even more cash:
- Compare quotes from multiple insurance providers.
- Find out what car insurance discounts you are eligible for—like safe driver discounts, low mileage discounts, responsible payer discounts, and so on.
- Bundle your car insurance with other insurance products, like your homeowners insurance or renters insurance policy.
- Raise your comprehensive and collision coverage deductibles (if the out-of-pocket cost makes sense for you).
- Take steps to improve your credit score.
- Take an approved defensive driving course if your provider offers a discount.
- Consider dropping collision and comprehensive coverage if it costs more than your vehicle’s actual value.
Why is car insurance so expensive in South Dakota?
While car insurance in South Dakota can often cost less when compared to the national average, here are some reasons you might see higher car insurance costs:
- Your city’s population density
- Your city’s accident and crime rates
- Uninsured drivers
- Healthcare costs
- Rising repair costs
- Rising vehicle costs
- Severe weather risks
FAQs
How much is car insurance in South Dakota?
South Dakota car insurance costs will vary from driver to driver and provider to provider since there are so many factors at play—with many of them based on information specific to the individual driver. This is why shopping around for car insurance is often the best way to find a cheaper premium.
What is the average cost of car insurance In South Dakota?
In South Dakota, the average car insurance cost for a minimum liability policy is about $[X] per year, or about $[X] per month. The average cost for full coverage in South Dakota is $[X] per year, or about $[X] per month.
Is car insurance cheaper in South Dakota?
Car insurance in South Dakota can often be cheaper than the national average, but your actual car insurance costs will depend on factors like the type of vehicle(s) you drive, your driving record, your location, and your demographics.
Who has the cheapest car insurance in South Dakota?
Jerry surveyed thousands of car insurance policyholders and found that there’s no car insurance provider that will offer the cheapest insurance rates to everyone across the board. To find the cheapest policy for you, it’s a good idea to gather and compare quotes from multiple providers.
What are the minimum car insurance requirements in South Dakota?
In South Dakota, you’re required to carry a minimum amount of car insurance. That consists of:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist coverage/underinsured motorist coverage: $25,000 per person, $50,000 per accident
What is the lowest form of insurance in South Dakota?
All you need to legally drive in South Dakota is the state’s 25/50/25 minimum liability insurance and uninsured/underinsured motorist coverage. However, it’s almost always a good idea to increase your liability limits to protect you if you cause an accident. You may also want to add coverages that will pay for damage to your own vehicle, like collision and comprehensive.
Does insurance follow the car or driver in South Dakota?
A standard
insurance policy typically follows the car
, not the driver. However, if you don’t own a car, you may be able to purchase a non-owner policy, which will provide supplemental liability coverage no matter what car you’re driving.What are the best insurance companies in South Dakota?
There’s no single best insurance company, but in a recent survey, Jerry found that South Dakota residents rated The General and Nationwide highest overall.
Do you need insurance to register a car in South Dakota?
You’ll need to provide proof of insurance to register your vehicle in South Dakota. If you don’t already have an existing policy, it’s best to
purchase insurance before you buy a new vehicle
.Do you need personal injury protection (PIP) in South Dakota?
PIP isn’t a required coverage in South Dakota, but you can add it to your policy if you want the extra protection against medical bills and lost wages following an accident.
Is it illegal not to have car insurance in South Dakota?
South Dakota law requires drivers to have proof of financial responsibility in the event that they could be liable for causing an accident—and purchasing a car insurance policy that meets South Dakota’s minimum coverage requirements is typically the easiest way to do this.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
