Shopping for car insurance in South Dakota can feel overwhelming. Every driver has their own coverage needs, budget, and profile. Insurify evaluated 50 car insurance companies to help identify the best insurers for South Dakota drivers. Due to the state’s low population density and subsequently low numbers of speeding tickets and traffic fatalities, drivers can benefit from policies offering accident forgiveness and safe driver discounts.

Here’s what you need to know about the best car insurance companies in the Mount Rushmore State.

Best car insurance companies in South Dakota

Shopping for car insurance in South Dakota means reviewing major industry insurers like State Farm and GEICO and local insurers like North Star to find the best company for you. Below are Insurify’s top picks for South Dakota drivers.

State Farm: Best overall

Progressive: Best for reliability

North Star: Best for farmers

American Family: Best for customer satisfaction

GEICO: Best for incidents

How to get the best car insurance in South Dakota

Finding the best car insurance in South Dakota is easier when you know what to look for. Use these tips to keep your premiums as low as possible without sacrificing the coverage levels you want.1 2

Average cost of car insurance in South Dakota

The average cost of car insurance in South Dakota is $98, which is lower than the national average of $144. 

In neighboring North Dakota, the average rate is $97. The Roughrider State had more speeding tickets than any other state in 2024. Conversely, South Dakota’s low numbers of accidents and people per square mile may be why the Mount Rushmore State has a lower average car insurance rate.3