Cheapest Car Insurance in South Dakota for July 2025

Written by Ben Moore and 1 other
Updated Jul 1, 2025
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Cheapest Car Insurance in South Dakota for July 2025

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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.

Compare cheap car insurance quotes in South Dakota.

Cheap liability car insurance in South Dakota

South Dakota residents who want to avoid high insurance costs often rely on minimum liability coverage to stay compliant with the law. This basic plan pays for damage or injury you may cause to others but doesn’t cover your own losses. It’s ideal for careful drivers or those with older vehicles they can afford to repair or replace.

Below are examples of the cheapest auto insurance companies in South Dakota for minimum coverage, based on recent quotes for real Jerry customers. By gathering multiple quotes, South Dakota drivers can secure effective coverage at a lower price.

Insurance Company
Monthly Quote
Age
Date of Policy
The General $42 66 March 28, 2025
The General $45 60 February 8, 2024
The General $46 30 January 25, 2025
The General $47 39 May 30, 2024
Bristol West $47 37 May 10, 2025
Last Updated Jul 1, 2025

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

Looking for affordable full coverage auto insurance in South Dakota means choosing a plan that accounts for the region’s risks. Full coverage usually combines liability, collision and comprehensive protection, helping with repairs after accidents, hailstorms, wildlife collisions or theft. Full coverage will cover damage to your own car and others up to the policy limits.

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 $184 $2,208
Assurance America $240 $2,884
Aspire Advantage $309 $3,703
The General $310 $3,714
Dairyland $340 $4,080
Last Updated Jul 4, 2025

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.

Average car insurance costs for young drivers in South Dakota

South Dakota’s young drivers are considered high risk by insurers due to limited road familiarity and increased accident probability. Higher premiums tend to persist until drivers demonstrate consistent safe habits. However, young South Dakotans can save money by joining family plans or completing driver improvement courses.

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 $310 $3,718
21-24 $267 $3,204
Last Updated Jun 30, 2025

Cheap full coverage in South Dakota for a 20-year-old

A 20-year-old in South Dakota might consider full coverage essential for protecting against travel incidents and wildlife collisions. The open roads can lead to expensive accidents if not covered properly and this type of insurance gives them financial protection they wouldn’t have with liability only coverage.

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
Last Updated Jun 30, 2025

Average auto insurance costs for mature drivers in South Dakota (25-54)

In South Dakota, drivers with extensive experience often receive a lower premium due to their demonstrated ability to handle diverse driving conditions over time. Insurance providers respond with competitive pricing as time-tested drivers are often the ones who pse the least risk in terms of claims and potential payouts.

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 $280 $3,362
35-44 $180 $2,166
45-54 $134 $1,613
Last Updated Jul 1, 2025

Average car insurance costs for older drivers in South Dakota (55+)

Older drivers in South Dakota might see rising insurance premiums due simply to their age. As reflexes and vision naturally change, the risk of accidents or delayed responses grows and insurance companies take these factors seriously when setting rates. Premium shifts are a reflection of forward-looking risk management.

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 $121 $1,448
65+ $116 $1,390
Last Updated Jul 4, 2025

Cheapest car insurance in South Dakota by driving history

In South Dakota, your driving record is closely evaluated by insurance companies. Frequent incidents or citations may signal risky driving habits and this influences both your premiums and the availability of certain policies. Insurers use your history to forecast future outcomes.

Cheap car insurance for drivers with clean records in South Dakota

Maintaining a clean record in South Dakota often makes insurance more accessible and affordable. It demonstrates careful and law-abiding driving so insurers are more willing to extend better coverage options to such drivers. Your record becomes your strongest reference when it comes to securing good policy rates.

Here are the most affordable insurers in South Dakota for those with clean driving records, according to real car insurance quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Clearcover $101 $1,210
The General $137 $1,648
Progressive $159 $1,914
Bristol West $162 $1,942
Electric $166 $1,986
Last Updated Jun 30, 2025

Cheapest car insurance with a speeding ticket in South Dakota

Speeding tickets in South Dakota can affect your insurance rates as they reflect moments where driving laws were not followed. Even a single ticket may influence how insurers set your rates and these violations are logged and considered during renewals.

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 $281 $3,378
Bristol West $337 $4,039
The General $379 $4,548
Gainsco $557 $6,678
Progressive $857 $10,279
Last Updated Jun 30, 2025

Cheapest car insurance after an at-fault accident with no injury in South Dakota

An at-fault accident without injuries in South Dakota still impacts your insurance profile. Damage to vehicles and property is enough to warrant attention and insurers may adjust your rates accordingly.

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
Safeco $225 $2,698
Bristol West $226 $2,707
The General $232 $2,779
Dairyland $296 $3,547
Last Updated Jun 30, 2025

Cheapest car insurance with a DUI in South Dakota

Injury-related accidents where you’re at fault in South Dakota carry serious insurance implications. They suggest increased liability and higher claim costs and these events often lead to policy changes. Insurers monitor them closely for future evaluations of you as s driver.

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 $95 $1,143
Bristol West $165 $1,982
Dairyland $170 $2,039
Last Updated Jun 30, 2025

Average auto insurance costs for South Dakota drivers with other violations

Other traffic offenses in South Dakota, such as unsafe passing or driving without insurance, affect your insurance options as well. These violations suggest unreliability and insurers use this information to evaluate your risk level. Multiple offenses make it harder to access favorable policy terms.

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 $309 $3,706
Eluding Police $269 $3,230
Failure to Obey Traffic Sign $261 $3,135
Improper Passing $135 $1,625
Other $195 $2,344
Last Updated Jun 30, 2025

Cheapest auto insurance for low credit scores in South Dakota

South Dakota insurance companies may use credit information to better understand a driver’s overall responsibility. A poor score could raise concerns about risk and this might lead to increased costs or stricter coverage terms. Financial habits are part of the review process.

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 $183 $2,198
The General $202 $2,427
Assurance America $240 $2,884
Bristol West $264 $3,162
Gainsco $557 $6,678
Last Updated Jun 30, 2025

Learn more: How a credit-based insurance score works


How to find cheap car insurance in South Dakota

Auto insurance shopping with multiple insurers can help you 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:

Find affordable car insurance in minutes.

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.

MEET OUR EXPERTS
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Ben Moore

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.