Best Cheap Car Insurance in South Dakota 2022 – Forbes Advisor

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Do you own a car in South Dakota and are looking to save money on your car insurance? We’ve evaluated 10 car insurance companies in your state to find the best rates for a variety of drivers.

Related: The best car insurance companies

Finding Cheap Car Insurance in South Dakota

Cheap car insurance in South Dakota for good drivers

One way to save on car insurance is to drive carefully. The fewer tickets and accidents there are, the less you will pay for auto insurance. Another way to save extra money is to compare auto insurance quotes.

Consider getting quotes from Geico, which offers competitive rates for good drivers in South Dakota. Veterans, military members and their families can find low rates with USAA.

Related: Cheap car insurance

Cheap car insurance in South Dakota for drivers who have caused an injury accident

Causing an accident that resulted in injury to someone else can mean huge auto insurance rate hikes. According to our analysis, average auto insurance rates in South Dakota increase by an average of 42% following an injury crash. This means it’s a good idea to look for lower rates.

Try State Farm, which only increases rates by 11% for drivers with recent crashes. USAA and Geico are also good options for these drivers.

Cheap car insurance in South Dakota for drivers with a DUI

South Dakota car insurance rates can increase by 79%, on average, following an impaired driving conviction. Some insurers even double the rates after a DUI.

If you have a DUI on your record, try citations from State Farm and Farmers.

Cheap car insurance in South Dakota for adding a teen driver

Expect to be hammered by higher car insurance rates if you add a teen driver to your policy.

Nationally, American Family and Farmers Mutual are worth considering for parents with a teenage driver.

Related: Best Cheap Car Insurance for Teenagers

Cheap car insurance in South Dakota for young drivers 18-25

Car insurance can cost you quite a bit of your wallet, especially if you are a young driver. South Dakota’s average auto insurance rate for young drivers is over $2,800 per year.

You can find much better rates by requesting quotes from several insurers, including USAA, Geico, and State Farm. Note: USAA only sells auto insurance to veterans, military members and their families. Young drivers attending school can also turn to student car insurance discounts to save money.

Cheap car insurance in South Dakota for drivers age 65 and older

Geico, Farmers Mutual of Nebraska, State Farm, and USAA may have cheap car insurance in South Dakota for senior drivers, but remember that not everyone is eligible for a USAA policy.

Related: Best car insurance for seniors

Cheapest Vehicles for Insurance in South Dakota

The type of vehicle you drive is factored into your auto insurance rates. In South Dakota, the Jeep Compass Latitude, Chevrolet Trax LS and Ford Escape S are among the least expensive insurance options, based on average rates for the top 50 selling 2021 models. The 20 cheapest are below.

The most expensive insurance vehicles in South Dakota among popular models are the Tesla Model S Performance ($4,005 per year) and the Volvo XC90 T8 Inscription ($2,784 per year).

Related: Most and least expensive cars to insure nationwide

Minimum car insurance required in South Dakota

South Dakota law states that owners must carry liability auto insurance with coverage limits of at least:

  • $25,000 for bodily injury to a person.
  • $50,000 for bodily injury to several people in an accident.
  • $25,000 for property damage in an accident.

This is often written as 25/50/25.

Consider higher liability limits that will protect your savings and other assets from lawsuits. For example, if you cause more than $25,000 in property damage, you can still be sued for the rest.

Although buying low coverage limits can save money initially, it can cost you a lot more if you cause a costly accident and are sued.

South Dakota also requires coverage for uninsured and underinsured motorists. These types of coverage pay out if someone with little or no liability insurance hits you.

The minimum uninsured motorist coverage that South Dakota drivers must have is similar to the state’s liability insurance requirements:

  • $25,000 for bodily injury to a person.
  • $50,000 for bodily injury to several people in an accident.

What else should I have?

Collision and all-risk insurance: Together, collision coverage and comprehensive coverage cover vehicle theft and damage to the car caused by floods, fires, hail, vandalism, riots, falling objects and collisions with animals. They are usually sold together.

Collision and comprehensive coverage is usually required if you have a car loan or lease.

Coverage of medical payments (MedPay). MedPay is optional and covers medical expenses and funeral expenses if you are injured or killed in an accident.

Summary: Car Insurance Required in South Dakota

Can I show my insurance ID card from my phone?

You can use your phone to show a South Dakota auto insurance ID. Many auto insurance companies have mobile apps that make it easy to access your insurance card.

Factors Allowed in South Dakota Auto Insurance Rates

Auto insurance companies typically use your driving record, past claims, vehicle model, and more when setting rates. In South Dakota, insurers can also use these factors.

How many uninsured drivers are there in South Dakota?

About 7% of South Dakota car owners do not have insurance, according to the Insurance Research Council. This is less than the national average of 13%.

Penalties for driving without car insurance

If you are caught driving with auto insurance in South Dakota, here are the potential penalties:

  • Up to 30 days in jail and up to $500 fine, plus suspension of your license from 30 days to one year.

When can a vehicle be totaled?

In South Dakota, an insurance company can decide when a vehicle is so damaged, as long as it is less than 10 model years old.

If you have a large car loan, gap insurance can pay the difference between what you owe on a car loan and your car insurance check totaled. If you have financed most or all of your vehicle purchase, or if your vehicle is depreciating quickly, you could have a gap like this.

Troubleshoot insurance issues

The South Dakota Department of Insurance monitors insurance companies and receives complaints. If you have an unresolved issue with an insurance company, check out this complaints information page.

Methodology

To find the cheapest auto insurance companies in South Dakota, we used rates from Quadrant Information Services, an insurance data and analytics provider. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 per person liability coverage, $300,000 per accident and $100,000 property damage liability coverage, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and all perils with a deductible of $500.

The companies assessed for South Dakota were Allstate, Auto-Owners, Farm Bureau Mutual, Farmers, Farmers Mutual of Nebraska, Geico, North Star, Progressive, State Farm and USAA. Rate analysis was performed in October 2021.

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