South Dakota Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, South Dakota car insurance averages about $194 a month ($2,329 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% below the national average in our data. It’s about the same as in Iowa, higher than in Montana, North Dakota and Wyoming and lower than in Minnesota and Nebraska. Among insurers anyone can buy from in our statewide table, the lowest full-coverage averages belong to Farmers Mutual of Nebraska and Progressive, effectively tied at about $138 and $140 a month.

South Dakota car insurance: key numbers

• Full coverage: about $194 a month ($2,329 a year)
• Liability only (25/50/25): about $29 a month
• Lowest-priced insurer: Farmers Mutual of Nebraska and Progressive are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our statewide table, at about $138 and $140 a month
• Recent price change: −0.8% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Oglala Lakota County (about $254 a month) and Brookings County (about $160)

Our South Dakota figures cover the 34 ZIP codes we price, in 26 cities and towns and 20 of the state’s 66 counties, and where you live matters. The 11 ZIP codes we price west of the Missouri River, in Rapid City, Box Elder, Black Hawk, Sturgis, Spearfish, Belle Fourche, Custer, Hot Springs and Pine Ridge, average about $228 a month for full coverage, about 28% more than the $178 average across the 23 east of the river, where Brookings has the lowest average of the 26 places we price, at $160. Use these averages as a benchmark, then compare South Dakota auto insurance quotes for your own car and ZIP code.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 34 South Dakota ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in South Dakota?

On average, full coverage in South Dakota runs about $194 a month ($2,329 a year), while liability-only coverage at the 25/50/25 state minimum is $29 a month ($343 a year). The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in South Dakota averages $2,329 a year, or about $194 a month, for our benchmark driver. Liability-only coverage at South Dakota’s 25/50/25 minimum averages $343 a year ($29 a month), and 50/100/50 liability with comprehensive and collision averages $2,264 ($189 a month).

• Full coverage (100/300/100, $500 deductibles): $2,329 a year ($194 a month)
• 50/100/50 with $500 deductibles: $2,264 a year ($189 a month)
• Liability only (25/50/25): $343 a year ($29 a month)
• Sioux Falls: $2,166 a year ($181 a month) for full coverage
• Rapid City: $2,715 a year ($226 a month) for full coverage
• Aberdeen: $2,099 a year ($175 a month) for full coverage
• Brookings: $1,918 a year ($160 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How South Dakota Compares With Neighboring States

South Dakota’s average is about $2 a month below Iowa’s, $29 below Minnesota’s, $16 above Montana’s, $30 below Nebraska’s, $30 above North Dakota’s and $33 above Wyoming’s. It’s the 21st-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in South Dakota: Companies Compared

Cheap car insurance in South Dakota starts with Farmers Mutual of Nebraska and Progressive, which are effectively tied for the lowest full-coverage average of the five major insurers we compared (American Family, Farmers Mutual of Nebraska, North Star Mutual, Progressive and State Farm), about $138 and $140 a month for our benchmark driver. State Farm is next, at $183. For liability-only coverage, averages run from about $16 to $44 a month, a gap wide enough that we don’t name a cheapest insurer. The bullets and table below show all five major insurers we compared and the four insurers marked *.

• Lowest averages among insurers anyone can buy from, full coverage: Farmers Mutual of Nebraska and Progressive, effectively tied at about $138 and $140 a month.
• Next lowest: State Farm at $183.
• Liability only (25/50/25): about $16 to $44 a month across the five major insurers we compared.
• Also on our list: USAA at about $131 a month, Allstate at $190, Nationwide at $196 and GEICO at $207 (USAA sells only to military families).
• Most expensive in our data: American Family, at about $272 a month for full coverage, $1,605 a year more than Farmers Mutual of Nebraska.

Farmers Mutual of Nebraska and Progressive are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our statewide table. USAA is lower in our table, at about $131 a month, but it sells only to military members, veterans and their families. The seven published 2026 statewide South Dakota rate studies we reviewed split on the cheapest insurer for full coverage, apart from USAA: three put Farmers Mutual of Nebraska first, three Progressive and one State Farm. For liability-only coverage at 25/50/25 limits, averages run from about $16 to $44 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in South Dakota

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How South Dakota’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in South Dakota?

Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same South Dakota ZIP codes, their full-coverage average fell from $2,214 a year nine months earlier to $2,197 in rates as of Aug. 31, 2026, a 0.8% drop. Progressive cut its South Dakota average 5.1%, while State Farm raised its average 0.5%; American Family’s and Farmers Mutual of Nebraska’s averages were about unchanged. North Star Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the South Dakota average above. Liability-only coverage at 25/50/25 limits fell 0.3%, led by State Farm, which cut its liability-only average 1.4%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About South Dakota Car Insurance Costs

Three things stand out in our numbers and in state law.

• West of the Missouri River costs more in our data. The 11 ZIP codes we price west of the river average about $228 a month for full coverage, compared with $178 across the 23 we price east of it. Pine Ridge, in Oglala Lakota County, has the highest average of the 26 places we price, at $254, followed by Custer at $233.
• Prices barely moved. Comparing the same four insurers in the same ZIP codes, full coverage fell 0.8% over the past nine months. Progressive cut its statewide average 5.1%, and Farmers Mutual of Nebraska’s prices didn’t change in any of the 34 ZIP codes we price. North Star Mutual is new in our rates over the past nine months, so it isn’t part of that comparison.
• Uninsured motorist coverage is tied to your liability limits. Every South Dakota policy must include uninsured and underinsured motorist coverage at the same limits as your bodily injury coverage, under SDCL 58-11-9, and South Dakota is an at-fault state with no personal injury protection requirement.

South Dakota Car Insurance Rates by City

Brookings is the least expensive of the 26 South Dakota cities and towns we price for full coverage, at about $160 a month, followed by Watertown ($167) and Vermillion ($171). Pine Ridge has the highest, at $254, followed by Custer ($233) and Belle Fourche ($228). Of the two cities with two or more ZIP codes in our data, Rapid City averages $226 and Sioux Falls $181. The table lists South Dakota car insurance rates for every place we price, including Spearfish ($219) and Pierre ($188), and it links each of our four city guides.

The table lists all 26 South Dakota cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

South Dakota City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

South Dakota Car Insurance Rates by County

Oglala Lakota County is the most expensive county in our data, at about $254 a month for full coverage, followed by Custer County ($233) and Butte County ($228). The least expensive of the 20 counties we price are Brookings County ($160), Codington County ($167) and Clay County ($171). We price 20 of South Dakota’s 66 counties.

How Much More Does Better Coverage Cost in South Dakota?

Raising liability limits from 50/100/50 to 100/300/100 adds about $65 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the step up costs $39 (Farmers Mutual of Nebraska) to $138 (Progressive) a year. Statewide, that’s about $5 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

South Dakota Car Insurance Laws at a Glance

South Dakota Car Insurance Requirements: 25/50/25 Plus UM and UIM

South Dakota drivers need at least $25,000 per person and $50,000 per crash in liability coverage for injuries and $25,000 for property damage (25/50/25), along with uninsured and underinsured motorist coverage matching their bodily injury limits, so at least 25/50. South Dakota doesn’t require personal injury protection.

• Bodily injury liability: $25,000 per person and $50,000 per crash, under SDCL 32-35-70.
• Property damage liability: $25,000 per crash.
• Uninsured and underinsured motorist coverage: both are required on every policy, at the same limits as your bodily injury coverage, under SDCL 58-11-9 and 58-11-9.4. Raising your liability limits raises them too, up to 100/300 unless you ask for more.
• Medical payments and accidental death and disability coverage: insurers must offer them when you apply, under SDCL 58-23-7, but buying them is optional. If you do, medical payments coverage pays at least $2,000 per injured person, under SDCL 58-23-8.

The liability-only prices on this page use 25/50/25 limits with 25/50 uninsured and underinsured motorist coverage, which meets that minimum. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.

Instead of an insurance policy, a driver or owner can meet the law with a bond, a $50,000 certificate of deposit or self-insurance, under SDCL 32-35-113.

Is South Dakota a No-Fault State?

No. South Dakota is an at-fault state with no personal injury protection requirement: the driver who causes a crash pays for the other people’s injuries and damage through their liability coverage. You can recover damages from the other driver only if your own share of the blame was slight compared with theirs, and your award is reduced by your share, under SDCL 20-9-2.

Penalties for Driving Without Insurance in South Dakota

Failing to keep insurance is a Class 2 misdemeanor, under SDCL 32-35-113, punishable by up to 30 days in jail, a $500 fine or both, under SDCL 22-6-2. A judge must also suspend your license for 30 days to one year, under SDCL 32-35-121, and after a no-insurance conviction you’ll need to file proof of insurance (an SR-22) with the state for three years, according to the Department of Public Safety.

An official electronic copy of your proof of insurance from your insurer counts as written proof, under SDCL 32-35-116, and if you’re cited but were insured at the time, showing the court proof of that coverage gets the citation dismissed, under SDCL 32-35-117.

Rate Filings and Complaints

South Dakota auto insurers file their rates and rating rules with the Division of Insurance, and a filing can take effect on the day it’s filed, under SDCL 58-24-10.1. For problems with an insurer, the division takes complaints online and at 605-773-3563.

How to Lower Your Car Insurance Rate in South Dakota

1. Quote several insurers. Statewide, the lowest and highest averages among insurers anyone can buy from are about $134 a month apart for the same driver and car.
2. Compare Farmers Mutual of Nebraska and Progressive first. They have the two lowest full-coverage averages among insurers anyone can buy from statewide in our data, about $138 and $140 a month.
3. Don’t let coverage lapse. Driving uninsured is a Class 2 misdemeanor in South Dakota and brings a license suspension of 30 days to one year, under SDCL 32-35-121, plus three years of SR-22 filings, so a gap between policies can cost far more than the premium you save.
4. Keep proof of insurance on your phone. An official electronic copy from your insurer counts as proof in South Dakota, under SDCL 32-35-116, and if you’re cited but were insured at the time, showing the court proof of that coverage gets the citation dismissed.
5. Raise your liability limits, and your UM/UIM rises too. South Dakota policies carry uninsured and underinsured motorist coverage at the same limits as your bodily injury coverage, under SDCL 58-11-9, so higher liability limits also raise the protection you get when an uninsured driver hits you.
6. Know where to get help. The South Dakota Division of Insurance takes complaints about insurers online and at 605-773-3563, and asks you to try to resolve the problem with the company first.
7. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 5.1%, while State Farm has raised its average 0.5%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check South Dakota home insurance rates and our home insurance guide for Sioux Falls, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare South Dakota Car Insurance Quotes

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How We Calculated South Dakota Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 170 full-coverage premiums from five insurers across 34 South Dakota ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at South Dakota’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. That package meets South Dakota’s minimum: 25/50/25 liability plus uninsured and underinsured motorist coverage at the same limits as the bodily injury coverage.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. North Star Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 South Dakota rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from South Dakota law and the South Dakota Division of Insurance. We refresh these figures when new rate data is released.

More South Dakota Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

South Dakota Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 66 counties, and a coupe is the most expensive in 47 of them. A coupe costs about 32% more than an SUV on average.

South Dakota Car Insurance FAQ