Cheap Car Insurance in South Dakota for 2024 (Find Savings With These 10 Companies)
Explore our top picks for affordable cheap car insurance in South Dakota with State Farm, AAA, and Travelers. These providers offer competitive rates starting at only $11 per month and provide comprehensive coverage options. Discover why they are the preferred choices for many drivers in South Dakota.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process ...
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UPDATED: Sep 17, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 17, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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Min. Coverage in South Dakota
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1,731 reviewsState Farm, AAA, and Travelers deliver exceptional value, with prices starting at just $11 per month. Find out why these top-rated insurers are the best options for drivers in South Dakota.
Finding cheap car insurance in South Dakota is essential for many residents. The cost of insurance can vary significantly depending on several factors, including your driving record, age, and the type of vehicle you drive. Best Car Insurance for High-Risk Car Insurance.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $11 | B | Customer Service | State Farm |
 | #2 | $14 | A | Roadside Assistance | AAA |
 | #3 | $16 | A++ | Industry Experience | Travelers |
 | #4 | $17 | A+ | Competitive Rates | Progressive |
 | #5 | $18 | A | Insurance Discounts | Farmers |
 | #6 | $22 | A+ | Agent Network | Allstate |
 | #7 | $24 | A | Costco Members | American Family |
 | #8 | $28 | A+ | Dividend Policies | Amica |
 | #9 | $35 | A+ | Organization Discount | The Hartford |
 | #10 | $37 | A | Accident Forgiveness | Liberty Mutual |
In this article, we will explore the basics of car insurance in South Dakota, the state’s minimum insurance requirements, the factors that influence car insurance rates, and tips on finding affordable coverage. Enter your ZIP code.
- In South Dakota, car insurance protects you financially if an accident occurs
- The initial cost for car insurance coverage in South Dakota begins at $11 per month
- Drivers can find extra savings on their South Dakota insurance by getting quotes
#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: Offers some of the lowest average premiums in South Dakota, starting at around $11 per month, ideal for those seeking cheap car insurance in South Dakota. Read more on State Farm insurance review.
- Extensive Local Agent Network: Strong presence with local agents across the state, providing personalized customer service and making it easier to get cheap car insurance in South Dakota.
- Comprehensive Coverage Options: Wide range of coverage options, including add-ons like rideshare insurance and emergency road service, suitable for varying insurance needs.
Cons
- Higher Rates for High-Risk Drivers: Tends to have higher premiums for drivers with poor credit or a history of accidents, which can impact affordability for cheap car insurance in South Dakota.
- Fewer Discounts: Compared to competitors, fewer discount options for specific groups like military or senior drivers, making it harder to qualify for cheaper rates.
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#2 – AAA: Best for Roadside Assistance
Pros
- Renowned Roadside Assistance: Offers industry-leading roadside assistance coverage as part of their membership benefits, enhancing overall value for cheap car insurance in South Dakota.
- Multiple Member Discounts: Discounts for AAA members, including loyalty discounts for long-term customers, contribute to more affordable premiums. Learn more about it on AAA insurance review.
- Bundle Savings: Offers significant savings when bundling auto insurance with other types of coverage like home insurance, which helps achieve cheap car insurance in South Dakota.
Cons
- Requires Membership: Requires an AAA membership, which adds an additional annual fee, potentially offsetting savings for those seeking cheap car insurance in South Dakota.
- Limited Local Agents: Fewer local agents compared to larger competitors like State Farm or Allstate, which may limit in-person service options.
#3 – Travelers: Best for Industry Experience
Pros
- Long-standing Reputation: Over 160 years of experience in the insurance industry, known for reliability and stability, making it a trusted option for cheap car insurance in South Dakota.
- Discounts for Safe Drivers: Offers substantial savings for safe drivers, including telematics programs that track and reward good driving habits, helping to keep costs low.
- Flexible Payment Options: Multiple payment plans available to fit different budgets and needs, supporting more accessible cheap car insurance in South Dakota. Discover it more on our website titled “Negotiating Your Car Accident Insurance Settlement.“
Cons
- No Local Offices: No physical office locations in South Dakota, which could be a drawback for those who prefer in-person service, affecting accessibility to cheap car insurance in South Dakota.
- Customer Service: Mixed reviews on customer service quality, particularly regarding claims handling, which may impact overall satisfaction.
#4 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates for High-Risk Drivers: Among the lowest rates for drivers with poor credit or a history of accidents, offering opportunities for cheap car insurance in South Dakota.
- Snapshot Program: Usage-based insurance program (Snapshot) that can significantly lower premiums for safe drivers, adding another way to access affordable coverage.
- Customizable Coverage: Offers unique add-ons, such as pet injury coverage and custom parts coverage, enhancing policy flexibility. Read it more through Progressive insurance review.
Cons
- Higher Rates for New Drivers: Tends to have higher premiums for inexperienced or young drivers, which may limit their access to cheap car insurance in South Dakota.
- Mixed Customer Service Ratings: Some customers report inconsistent service experiences, which can affect overall satisfaction.
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#5 – Farmers: Best for Insurance Discounts
Pros
- Wide Range of Discounts: Numerous discounts available, such as multi-policy, safe driver, and military discounts, provide options for cheap car insurance in South Dakota.
- Strong Customer Satisfaction: High marks for customer service and claims satisfaction, making it a reliable choice for affordable insurance. Read it more in our Farmers insurance review & ratings.
- Unique Coverage Options: Offers unique coverages like original equipment manufacturer (OEM) parts and rideshare insurance, catering to diverse needs.
Cons
- Higher Premiums: Generally higher premiums than competitors like State Farm or Progressive, which could affect the availability of cheap car insurance in South Dakota.
- Limited Online Tools: Website and mobile app lack some of the advanced features found in competitors’ platforms, which may affect convenience for users.
#6 – Allstate: Best for Agent Network
Pros
- Strong Agent Network: Large network of local agents provides personalized service and support, making it easier to find cheap car insurance in South Dakota.
- Good Driver Discount: Offers significant discounts for maintaining a clean driving record, helping drivers lower their overall costs. Learn more through Allstate insurance review.
- Comprehensive Mobile App: Advanced mobile app features include digital ID cards, policy management, and claims filing, providing a user-friendly experience.
Cons
- Higher Cost: Known for slightly higher premiums compared to budget-friendly providers, which may limit access to cheap car insurance in South Dakota.
- Strict Policy Terms: More restrictive policy terms, especially regarding claims processing and coverage exclusions, can be a disadvantage.
#7 – American Family: Best for Costco Members
Pros
- Exclusive Discounts for Costco Members: Additional savings for Costco members on car insurance policies, offering a route to cheap car insurance in South Dakota.
- Strong Financial Ratings: High ratings from A.M. Best, indicating financial stability, which adds confidence in their service.
- Diminishing Deductible: Deductible decreases over time for safe driving without claims, reducing costs further over time. Learn more in our American homeowners insurance review.
Cons
- Limited Availability: Not all coverage options are available in all areas of South Dakota, potentially impacting access to cheap car insurance.
- Online Presence: Less robust online tools compared to other providers, which may affect customer experience and ease of use.
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#8 – Amica: Best for Dividend Policies
Pros
- Dividend Policies: Offers dividend policies that pay back a portion of the premium, reducing overall costs and supporting cheap car insurance in South Dakota.
- Top Customer Satisfaction: Consistently high ratings in customer satisfaction and claims handling, known for reliable service. Read it more in our Amica insurance review & ratings.
- Flexible Coverage Options: Customizable coverage with options like rental reimbursement and roadside assistance, allowing more personalized policies.
Cons
- Higher Initial Premiums: Premiums may be initially higher compared to competitors due to dividend paybacks, which can affect initial affordability for cheap car insurance in South Dakota.
- Limited Discounts: Fewer discounts compared to other major providers, limiting potential savings opportunities.
#9 – The Hartford: Best for Organization Discount
Pros
- Exclusive Discounts for AARP Members: Provides discounts specifically for AARP members, making it ideal for older drivers looking for cheap car insurance in South Dakota.
- Lifetime Renewability: Guarantees policy renewal as long as requirements are met, regardless of age or driving record, adding long-term value.
- Accident Forgiveness: Offers accident forgiveness options to avoid rate increases after the first accident, ensuring more stable premiums. Visit, “The Hartford vs. Alfa Homeowners Insurance Review.”
Cons
- Membership Requirement: Requires AARP membership to access most discounts, adding an additional cost that could affect the affordability of cheap car insurance in South Dakota.
- Limited Availability: Some coverage options may not be available to non-AARP members or in certain locations, limiting choice.
#10 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: No rate increase after your first accident if you qualify, helping to maintain cheap car insurance in South Dakota for careful drivers.
- Comprehensive Coverage Options: Wide range of options, including new car replacement and better car replacement, to suit various needs.
- Strong Online Tools: Robust digital tools for managing policies, making payments, and filing claims online, enhancing user convenience. For more information, visit Liberty Mutual insurance.
Cons
- Higher Rates for Young Drivers: Premiums tend to be higher for young and inexperienced drivers, making it harder for them to find cheap car insurance in South Dakota.
- Mixed Claims Reviews: Mixed reviews on claims processing times and customer service responsiveness, which could impact overall customer experience.
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Understanding Car Insurance in South Dakota
Before we delve into finding cheap car insurance in South Dakota, it’s important to understand the basics of car insurance. Car insurance provides financial protection in the event of an accident, theft, or damage to your vehicle. It typically covers medical expenses, property damage, and liability for injuries caused to others.
In South Dakota, car insurance is mandatory for all drivers. The purpose of this requirement is to ensure that all motorists are financially responsible in case of an accident. Failing to maintain the required insurance could result in fines, license suspension, and even legal consequences.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $14 | $82 |
| Allstate | $22 | $136 |
| American Family | $24 | $151 |
| Amica | $28 | $148 |
| Farmers | $18 | $113 |
| Liberty Mutual | $37 | $230 |
| Progressive | $17 | $105 |
| State Farm | $11 | $67 |
| The Hartford | $35 | $225 |
| Travelers | $16 | $97 |
Let’s now take a closer look at South Dakota’s minimum insurance requirements:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
These minimum coverage amounts ensure that drivers are financially protected in case of an accident. However, it’s important to consider carrying higher coverage limits to provide more extensive protection.
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Good Student, Membership |
| Multi-Policy, Safe Driving, Early Signing, Homeowner |
| Multi-Policy, Safe Driver, Good Student, Bundling |
| Multi-Policy, Safe Driver, Loyalty, Anti-Theft Device |
| Multi-Policy, Safe Driver, Good Student, Homeowner |
| Multi-Policy, Safe Driving, New Car, Bundling |
| Multi-Policy, Safe Driver, Snapshot (Telematics), Bundling |
| Multi-Policy, Safe Driver, Good Student, Accident-Free |
| Multi-Policy, Safe Driver, Bundle, Homeowner |
| Multi-Policy, Safe Driver, Homeowner, Early Signing |
Factors such as your driving record, age, and the type of vehicle you drive can affect your insurance premiums. Additionally, you may be eligible for discounts if you have a good driving record or bundle your car insurance with other policies.
Remember, car insurance is not only a legal requirement but also a vital financial safeguard. By understanding the basics of car insurance and exploring the coverage options available, you can make informed decisions to protect yourself and your vehicle on South Dakota’s roads.
Factors Influencing Car Insurance Rates in South Dakota
When it comes to car insurance rates in South Dakota, there are several factors that come into play. Understanding these factors can help you make informed decisions and potentially lower your premiums. Let’s take a closer look at some key factors:
Driving Record and Claims History
Another crucial factor that insurers take into account is your driving record and claims history. Insurance companies thoroughly assess your past driving behavior and any claims you’ve made in the past. If you have a history of accidents, traffic violations, or frequent claims, you may be considered a high-risk driver.
On the flip side, maintaining a clean driving record can have a positive impact on your insurance premiums. Insurance providers often offer discounts to drivers who have demonstrated responsible and safe driving habits over an extended period.
How to Find Cheap Car Insurance in South Dakota
Now that we’ve covered the basics and factors influencing car insurance rates in South Dakota, let’s explore how to find affordable coverage:
Shopping Around for the Best Rates
To find cheap car insurance in South Dakota, compare quotes from various insurers, as rates vary.
Ensure the coverage meets your needs, including liability, collision, and comprehensive options. Also, consider the insurer’s reputation, financial stability, and customer reviews for reliable service and claims handling.
Taking Advantage of Discounts
Many insurance companies offer various discounts that can help lower your premiums. These discounts may include safe driving discounts, multi-policy discounts (bundling your car insurance with other types of insurance), and discounts for completing driver’s education courses.
Be sure to inquire about any available discounts when shopping for car insurance.
Safe driving discounts are often offered to drivers who maintain a clean driving record. By avoiding accidents and traffic violations, you can demonstrate responsible driving behavior and potentially qualify for lower premiums.
Another way to save on car insurance is by bundling your policies. Save on car insurance by bundling with other policies or completing driver’s education courses, which can also earn you discounts.
Maintaining a Clean Driving Record
As mentioned earlier, a clean driving record can lead to lower premiums. Avoid accidents and traffic violations to maintain a good driving record. If you’ve had incidents in the past, consider taking defensive driving courses to improve your driving skills and potentially qualify for premium discounts.
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Regular vehicle maintenance, such as keeping your tires properly inflated and your brakes in good condition, can also contribute to safe driving and potentially lower your insurance premiums.
By following these tips and taking proactive steps to find cheap car insurance in South Dakota, you can secure affordable coverage without sacrificing the protection you need. Enter your ZIP code to begin comparing.
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Frequently Asked Questions
What factors affect the cost of car insurance in South Dakota?
Several factors can affect the cost of car insurance in South Dakota. These include your age, driving record, type of vehicle, coverage limits, and deductible choices. Insurance companies also consider factors such as your location, credit history, and previous claims.
Are there any specific car insurance requirements in South Dakota?
Yes, South Dakota requires all drivers to carry a minimum amount of liability insurance. The state’s minimum requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Enter your ZIP code to begin comparing.
How can I find cheap car insurance in South Dakota?
To find cheap car insurance in South Dakota, you can start by comparing quotes from multiple insurance companies. It’s also recommended to maintain a clean driving record, consider higher deductibles, and explore discounts offered by insurance providers.
Additionally, bundling your car insurance with other policies, such as home or renters insurance, may help you save money. Read more on our website titled, “Insurance Company Reviews” for more information.
What are some additional coverage options I should consider for my car insurance in South Dakota?
In addition to the mandatory liability insurance, you may want to consider adding comprehensive and collision coverage to your car insurance policy in South Dakota.
Comprehensive coverage protects your vehicle against non-collision incidents like theft, vandalism, and natural disasters, while collision coverage covers damages resulting from collisions with other vehicles or objects.
Can bundling my insurance policies save me money?
Yes, bundling car insurance with other policies, such as homeowners or renters insurance, can result in discounts and simplify policy management. Enter your ZIP code now.
Do defensive driving courses offer any benefits for car insurance rates?
Completing defensive driving courses can enhance your driving skills and may qualify you for discounts with some insurance providers. For more information visit Free car insurance information, advice & online quotes.
Can my credit score impact my car insurance rates in South Dakota?
Yes, your credit score can impact your car insurance rates in South Dakota. Insurance companies often use credit-based insurance scores to determine premiums. Generally, individuals with higher credit scores are considered less risky and may be eligible for lower insurance rates.
How often should I compare car insurance quotes?
It’s a good idea to compare quotes annually or whenever there are significant changes in your driving situation or insurance needs by entering your ZIP code.
Is it important to check an insurance company’s reputation before purchasing?
Yes, checking the insurer’s reputation, financial stability, and customer reviews ensures reliable service and effective claims handling of insurance.
What additional coverage options should I consider beyond the state minimum?
Consider adding collision and comprehensive coverage for more extensive protection against damages and non-collision incident
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.