Cheapest Car Insurance in South Dakota
Numbers refreshed
Where South Dakota publishes insurer prices, insurers are ranked by cost, and you can see ways to cut your own bill.
- $35.The monthly average for the legal minimum.
- 25/50/25.The minimum liability limits.
- 39th of 51.The most expensive state (1st = highest).
Which insurers cost the least in South Dakota?
South Dakota releases no insurer price comparison, so official figures can't rank every company there. On average, the cheapest legal policy runs $416 a year, and that comes to roughly $35 each month (NAIC).
Get quotes from at least three insurers, asking for the same limits and deductibles. A regional company, a local agent and a direct writer often quote prices that differ a lot for one driver.
How to pay less
- Only carry the state minimum on an old car you could replace using cash. Dropping collision and the coverage for damage other than a crash saves $875 a year at the South Dakota average.
- If you raise your deductible, the money you save each year often beats the extra cost of a single claim.
- Ask for each discount by name: good student, paying in full, multi-car, bundling home and auto, safe-driving apps.
- Shop around again when your policy renews; one company's price increase doesn't mean the others went up as well.
Learn more about car insurance in South Dakota
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