Good news for South Dakota drivers: Jerry’s latest data shows that liability coverage in the Mount Rushmore State averages about $272 per month. Over the past year we’ve helped 448 South Dakotans lower their costs, and drivers who switch with Jerry save an average of $30 a year without sacrificing the coverage they need.
Jerry compares quotes from up to 5 trusted insurers in South Dakota to build your policy and help you lock in the best price in minutes.
Get South Dakota coverage in as little as 2 minutes
What South Dakota drivers are paying right now
Auto insurance rates in South Dakota move more than you might expect. Long rural stretches, harsh winter storms and high wildlife-collision rates all shape what you pay. Even two drivers with similar profiles can end up with very different prices depending on where they live.
Jerry tracks live quotes statewide to give you a clear, real-time view of what drivers are paying today. Here are some full coverage policies that were recently purchased in South Dakota through Jerry, and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rates a quick check now and then. In South Dakota, everything from winter weather to small updates in your driving profile can influence what you’ll pay at renewal.
4 easy ways Jerry helps South Dakota drivers save on car insurance
If you’re working to lower your car insurance costs in South Dakota, you’re not alone. But the cheapest quote isn’t always the best fit. The real value comes from understanding what shapes your rate and what you can adjust without giving up meaningful protection.
Jerry helps you compare real offers, uncover discounts you might not know you qualify for and see exactly where you can save.
Here are our best tips to help you spend less and stress less.
| How to save | Average South Dakota driver savings |
|---|---|
| Compare quotes | 54% to 98% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 9% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
South Dakota’s driving environment is unique. Rural highways, higher average speeds, winter whiteouts, summer hail and frequent wildlife collisions all affect how insurers price risk. Since every company weighs these exposures differently, the difference between your lowest and highest quote can be significant.
Comparing rates side by side with Jerry is the fastest way to avoid overpaying.
Here’s where South Dakota drivers who saved most often switched after comparing rates with Jerry:
| Insurance carrier | South Dakota drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters in South Dakota. Jerry shows you price differences instantly so you can pick coverage that fits your budget and your real driving habits.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Many South Dakota drivers qualify for multiple discounts like safe-driver rewards, paperless billing, good-student incentives, multi-policy bundles and anti-theft savings. But insurers don’t always apply all the discounts you qualify for on their own.
Jerry finds your matches so savings don’t get left on the table.
Key takeaway: Stacking discounts often saves more than raising deductibles alone.
Jerry Agent tip 3: Pick the right deductible
Choosing the right deductible is one of the easiest ways to influence your premium. South Dakota drivers experience everything from hailstorms to wildlife strikes and icy morning commutes, so pick a deductible you can actually afford if you need to file a claim.
Here’s what Jerry drivers choose for their deductibles:
To find your ideal deductible:
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Review your car’s value (Jerry updates this monthly).
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Decide what you could reasonably pay out of pocket.
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Compare real-time pricing for each deductible level.
The Jerry difference: Jerry shows multiple deductible options instantly so you can pick the balance of cost and protection that works for you.
Jerry Agent tip 4: Keep a clean driving record
In South Dakota, violations don’t just add points, they add cost. Jerry data shows that even a single infraction raises premiums by 9% on average. Larger violations like DUIs or reckless driving will likely cost you even more.
The best way to keep your costs low is to stay ticket-free. And once a violation clears, Jerry automatically re-shops your policy to help you capture any savings as soon as you’re eligible.
Get personalized car insurance rates now
How to shop for coverage without overspending
South Dakota requires 25/50/25 liability coverage, but that minimum won’t protect your own vehicle. Here are your coverage levels and what they include:
Minimum
$43 – $76/mo
Only meets South Dakota’s liability requirements but won’t cover your own car.
Full
$116 – $219/mo
Adds collision and comprehensive, which may be required if your vehicle is financed or leased.
Standard
$108 – $209/mo
Includes UM/UIM and medical payments, helpful given South Dakota’s higher rural crash severity.
Preferred
$135 – $254/mo
Higher limits, lower deductibles and extras like towing or rental reimbursement mean maximum protection.
Key takeaway: Start with your comfort around risk and what your vehicle is worth. Jerry shows real-time pricing across all coverage levels so you can choose confidently.
The cheapest policy in South Dakota is liability-only, but a few affordable add-ons can make a big difference when you need them most. Here’s a quick look at what each type of coverage offers.
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Coverage definitions
South Dakota insurance factors at a glance
Your premium is shaped by real-world South Dakota conditions. Here’s what stands out most and how to stay protected.
Winter weather
Blizzards, ice and sudden temperature swings increase crash risk, making comprehensive coverage worth considering.
Wildlife collisions
The state ranks high for deer and pheasant strikes, which is another vote for comprehensive coverage.
Rural crash severity
High-speed two-lane highways can lead to bad accidents and costlier claims.
Uninsured drivers
Nearly 1 in 10 South Dakota drivers are uninsured, making UM/UIM important.
South Dakota Insurance After a Ticket, Accident or SR-22
Jerry ensures that one mistake doesn’t define your rate forever. We partner with insurers that take a balanced approach to past violations and automatically re-shop your policy as your record improves.
If you got a ticket
South Dakota tracks points for speeding and other violations, but too many points within a short timeframe can impact your license status and your rate. Even a single ticket can raise your premium noticeably for several years, though defensive-driving courses may help reduce the impact.
Once a violation clears from your record, Jerry checks for better prices automatically.
Here are the average rate increases we’ve seen for South Dakota drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 7%
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Reckless driving: 61%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
South Dakota is an at-fault state. An at-fault crash typically raises premiums by an average of 22% and those increases can last three to five years. Jerry helps you secure your best available rate immediately and re-shops your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $393 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI triggers some of the steepest insurance increases and the effects will likely follow you for years. Though you can expect your rates to rise by an average of 43%. Some insurers do offer more reasonable pricing for high-risk drivers.
Jerry identifies those carriers and re-shops your policy as your record improves.
Here are the five cheapest carriers for South Dakota drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $171 | Yes | |
| $450 | Yes | |
| $452 | Yes | |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in South Dakota
South Dakota may require an SR-22 after certain violations, uninsured crashes or suspensions. In the Jerry app, select the SR-22 option and you’ll see only insurers that file them. Many charge around $25 per year for the paperwork.
Car Insurance with Bad Credit
South Dakota permits insurers to consider credit-based insurance scores, but credit is just one factor. A clean record, consistent coverage and smart deductible choices often move your premium more than credit alone. Jerry helps you compare rates instantly so you always get your best price.
Average rates in South Dakota by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
South Dakota’s combination of wide-open highways, unpredictable weather and high wildlife activity means the best insurance isn’t simply the cheapest. It’s also the coverage that actually fits how you drive. Jerry makes it easy to build a policy tailored to life in South Dakota and stay protected year-round.
Get South Dakota coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
