Key Takeaways
- Bristol West, Dairyland and The General offer some of the cheapest car insurance in South Dakota.
- The average cost of minimum coverage in South Dakota is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in South Dakota.
You may find cheap car insurance in South Dakota from insurers like Bristol West, Dairyland and The General. These companies were among the cheapest options in the state, according to real quotes for Jerry customers.
Here are more affordable insurers in South Dakota for both minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in South Dakota, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in South Dakota
Below are examples of the cheapest auto insurance companies in South Dakota for minimum coverage, based on recent quotes for real Jerry customers.
|
Insurance Company
|
Monthly Quote
|
Age
|
Date of Policy
|
|---|---|---|---|
| Bristol West | $40 | 55 | March 4, 2025 |
| The General | $42 | 66 | March 28, 2025 |
| The General | $45 | 60 | February 8, 2024 |
| The General | $46 | 30 | January 25, 2025 |
| The General | $47 | 38 | December 12, 2023 |
Minimum car insurance requirements in South Dakota
South Dakota’s car insurance requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured/underinsured motorist coverage per person.
- $50,000 in uninsured/underinsured motorist coverage per accident.
Cheap full coverage car insurance in South Dakota
These are the cheapest car insurance companies in South Dakota for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $203 | $2,436 |
| Assurance America | $240 | $2,884 |
| The General | $291 | $3,495 |
| Aspire Advantage | $309 | $3,703 |
| Dairyland | $338 | $4,055 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in South Dakota
Below are the average costs of car insurance in South Dakota for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $338 | $4,052 |
| 21-24 | $275 | $3,296 |
Cheap full coverage in South Dakota for a 20-year-old
These are the cheapest car insurance companies in South Dakota for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $161 | $1,937 |
| Dairyland | $501 | $6,006 |
| The General | $589 | $7,067 |
| AAA | $656 | $7,874 |
Average auto insurance costs for mature drivers in South Dakota (25-54)
Below are the average costs of car insurance for drivers in South Dakota between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $262 | $3,144 |
| 35-44 | $177 | $2,122 |
| 45-54 | $128 | $1,531 |
Average car insurance costs for older drivers in South Dakota (55+)
Below are the average costs of car insurance for drivers in South Dakota 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $146 | $1,751 |
| 65+ | $120 | $1,441 |
Cheapest car insurance in South Dakota by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in South Dakota
Here are the most affordable insurers in South Dakota for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $101 | $1,210 |
| The General | $135 | $1,619 |
| Electric | $166 | $1,986 |
| Bristol West | $170 | $2,041 |
| Safeco | $171 | $2,049 |
Cheapest car insurance with a speeding ticket in South Dakota
Here are the most affordable insurers in South Dakota for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $280 | $3,355 |
| Bristol West | $362 | $4,342 |
| The General | $397 | $4,770 |
| Gainsco | $557 | $6,678 |
| Progressive | $857 | $10,279 |
Cheapest car insurance after an at-fault accident with no injury in South Dakota
These are the cheapest car insurance companies in South Dakota for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $197 | $2,359 |
| The General | $204 | $2,452 |
| Safeco | $225 | $2,698 |
| Dairyland | $238 | $2,856 |
Cheapest car insurance with a DUI in South Dakota
Below are the cheapest auto insurers in South Dakota for people with a DUI on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $115 | $1,386 |
| Bristol West | $165 | $1,982 |
| Dairyland | $170 | $2,039 |
Average auto insurance costs for South Dakota drivers with other violations
Below are average car insurance costs in South Dakota for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Driving on Sus. License | $305 | $3,656 |
| Eluding Police | $269 | $3,230 |
| Failure to Obey Traffic Sign | $234 | $2,803 |
| Improper Passing | $131 | $1,572 |
| Other | $230 | $2,763 |
Cheapest auto insurance for low credit scores in South Dakota
Drivers in South Dakota with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in South Dakota for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $177 | $2,124 |
| The General | $202 | $2,420 |
| Assurance America | $240 | $2,884 |
| Bristol West | $266 | $3,188 |
| Gainsco | $557 | $6,678 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in South Dakota
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
Learn more: Best car insurance companies
Factors that affect car insurance costs in South Dakota
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
Learn more: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
