South Dakota Car Insurance Resources

Jerry has compiled everything you need to know about auto insurance in South Dakota.
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South Dakota Car Insurance Resources
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South Dakota minimum car insurance requirements

South Dakota requires drivers to carry these minimum levels of car insurance coverage:

  • $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.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

More: Average car insurance rates

Recent car insurance quotes in South Dakota

Monthly Quote
Insurance Company
Date of Quote
City
$25 Geico 04/18/25 Whitewood
$25 Progressive 09/16/25 Aberdeen
$26 Progressive 09/08/25 Sioux Falls
$32 Dairyland 06/23/25 Yankton
$33 Bristol West 05/07/25 Mitchell
Last Updated Oct. 15, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.
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Annie Millerbernd, Aug 7, 2025