Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in South Dakota
Jerry is a free app trusted by 1,372 South Dakota drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average South Dakota car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in South Dakota, Jerry drivers pay less:
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$45 to $81 per month for state-mandated minimum coverage.
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$111 to $217 per month for full coverage.
Checking rates from multiple carriers is often the best way to find good deals. Over the last 12 months, Jerry has helped South Dakotans save an average of $818 per year on coverage by comparing quotes across insurers.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your South Dakota car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. Here are some full coverage rates that Jerry drivers in South Dakota have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
South Dakota homeowners face severe thunderstorms, large hail, and occasional tornadoes in the summer, along with harsh winter blizzards. Bundling home and auto insurance is one of the simplest ways to keep those premiums in check.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What South Dakota drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in South Dakota, shopping around helps you find the right fit.
That matters in South Dakota, where Sioux Falls and Rapid City drivers face different conditions than those on the long rural highways that connect the rest of the state. Severe weather, including hail, plays a real role in comprehensive costs here. Jerry works with South Dakota drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 8 trusted insurers in the Mount Rushmore State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for South Dakota drivers at different coverage levels, plus how much each driver saved.
Recent quotes in South Dakota
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
South Dakota car insurance coverage requirements
Drivers in South Dakota are legally required to carry liability insurance coverage as well as uninsured motorist protection. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$25,000 in uninsured/underinsured motorist coverage per person.
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$50,000 in uninsured/underinsured motorist coverage per accident.
While this is the minimum insurance requirement in South Dakota before you can legally drive, many Jerry drivers actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that over 9% of South Dakota drivers are uninsured or underinsured, it may also be wise to increase your uninsured/underinsured motorist (UM/UIM) limits, too.
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Coverage definitions
Factors affecting South Dakota car insurance rates in 2026
Winter driving and low visibility
Blizzards, ice and sudden temperature swings make South Dakota roads unpredictable for much of the year. Collision coverage pays for your car after a winter crash, and comprehensive handles non-collision damage like fallen branches and ice storms. Both are worth keeping through the long winters here.
Deer and wildlife collisions
South Dakota ranks high for animal strikes, and even smaller wildlife like pheasants can cause expensive front-end damage. Comprehensive coverage typically pays for animal impacts, so it’s worth keeping if you drive outside town regularly.
High-speed rural roads
A lot of South Dakota driving happens on two-lane highways where speeds are higher and barriers are few. When crashes happen on these roads, they tend to be more severe and more expensive. Consider carrying collision coverage and make sure your liability limits can handle a serious accident.
Uninsured drivers
Nearly one in 10 South Dakota drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Hail and severe winds
South Dakota sits close enough to hail alley that strong storms and straight-line winds can total a vehicle through broken glass, dents and debris. Keep comprehensive coverage for storm damage protection when your car isn’t in a collision.
Limited repair access
In more remote parts of the state, longer tow distances and fewer repair shops drive up the total cost of a claim. Check whether your policy includes roadside assistance, and set a deductible you can comfortably cover.
Average cost of car insurance in major South Dakota cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $155 | |
| $163 | |
| $188 | |
| $131 | |
| $122 | |
| $142 | |
| $154 | |
| $126 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get South Dakota quotes in as little as 2 minutes.
Learn more about driving in South Dakota
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is South Dakota an at-fault state?
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What are alternatives to buying insurance in South Dakota?
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What happens if I drive without insurance in South Dakota?
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Is uninsured motorist coverage required in South Carolina?
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Can I show proof of insurance on my phone in South Dakota?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.