Compare car insurance quotes in South Dakota
Jerry is a free app trusted by 1,315 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.
Average South Dakota car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in South Dakota, Jerry drivers pay less:
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$45 to $82 per month for state-mandated minimum coverage.
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$112 to $222 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 $810 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
One of the best ways to save on home insurance in South Dakota is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What South Dakota drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in South Dakota that you can find.
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 you need to buy before you can legally drive in Arizona, 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 (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 can make roads unpredictable and increase the odds of a crash. Collision coverage is what helps pay for repairs after an accident, while comprehensive can help with certain non-crash winter damage (like a falling branch in an ice storm).
Deer and pheasant collision risk
South Dakota ranks high for animal strikes, including deer, and even smaller wildlife can cause expensive front-end damage. Animal collisions typically fall under comprehensive coverage, so it’s worth keeping if you drive outside town regularly.
High-speed rural roads
Two-lane highways and long-distance driving can mean higher speeds, fewer barriers, and more severe crashes when something goes wrong. That dynamic can make collision claims costlier and is one reason rates can vary a lot by where you live and commute.
Uninsured drivers
Nearly 1 in 10 South Dakota drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by someone who can’t pay for the damage they cause.
Hail and wind exposure
Even outside classic “hail alley” states, strong storms and straight-line winds can still total a vehicle through broken glass, dents, or debris impact. Comprehensive coverage is the piece that generally applies to storm damage when your car is parked or you’re not in a collision.
Repair access and towing costs
In more remote areas, longer tow distances and fewer repair shops can increase the overall cost of a claim. Keeping an emergency fund for your deductible (and checking whether your policy includes towing or roadside assistance) can prevent a bad day from getting more expensive.
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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|---|---|
| $158 | |
| $168 | |
| $186 | |
| $131 | |
| $139 | |
| $124 | |
| $146 | |
| $129 |
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.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
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.