In the year 2020, there were 25,890 drivers involved in accidents in South Dakota. South Dakota has less than 700,000 licenced drivers, but every car owner is required to carry a minimum amount of auto insurance. A full coverage insurance policy will cost the average South Dakota driver $1,642 per year, while a minimum coverage insurance policy will cost $275 per year.
Cheapest auto insurance in South Dakota
There are several well-known insurance companies in South Dakota that provide low-cost auto insurance. The table below highlights the cheapest car insurance providers in South Dakota, as well as their average annual full coverage and minimum coverage policy premiums:
Farmers Mutual of Nebraska
Farmers Mutual offers the cheapest auto insurance in South Dakota, starting at $172 per year for minimum coverage and going up to $1,086 for full coverage. The carrier is the most affordable for families who require insurance for multiple vehicles and wish to combine coverage with home or renters insurance. Aside from discounts for multiple policies and vehicles, teen drivers can receive a discount if they complete an approved driving safety course.
USAA
USAA offers car insurance to South Dakota drivers who are active duty service members or veterans. The average annual premium for full coverage is $1,337, and the annual premium for minimum coverage is $188.
USAA provides a variety of discounts in addition to excellent customer service and comprehensive coverage. South Dakota drivers can save money on auto insurance by bundling policies, being a good student, parking their vehicle on a military base, driving less than a certain number of miles per year, and taking a driver training course.
State Farm
State Farm is one of the most well-known car insurance companies in the United States. The average full coverage State Farm policy in South Dakota costs $1,242 per year, while the average minimum coverage policy costs $226 per year.
State Farm also offers two safe driver discount programmes, Steer Clear for new drivers and Drive Safe & Save for adults, in addition to low rates. State Farm also offers substantial discounts for good students, being accident-free, being away at school, taking a driver training course, and insuring multiple vehicles.
Farmers
Farmers is a good option for South Dakota drivers looking for comprehensive coverage at a reasonable price. Spare parts coverage, original manufacturer parts coverage (also known as OEM coverage), customised equipment coverage, a glass deductible buyback programme, and other unique coverage options are available from the company.
Farmers' average full coverage policy costs $1,272 per year, while the average minimum coverage policy costs $251 per year. Drivers can save even more money if they avoid collisions, combine two or more policies, or qualify for one or more state-specific discounts.
Progressive
Progressive insures over 20 million drivers in the United States and is known for providing competitive rates and comprehensive coverage. In South Dakota, the average driver pays $1,655 per year for a Progressive full coverage policy and $257 per year for a Progressive minimum coverage policy.
Progressive provides discounts for having continuous insurance, being claims-free, being a good student, bundling policies, signing up for autopay, paying in full, being a homeowner, getting a quote online, and many other things. Drivers can also sign up for the Snapshot safe driver discount programme and use the Name Your Price Tool to find policies in a specific price range.
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