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Best Car Insurance in South Dakota (2025)

State Farm, Progressive, and North Star are some of the best car insurance companies in South Dakota.

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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

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in South Dakota to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

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 $140. 

In neighboring North Dakota, the average rate is $91. 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

Best car insurance in South Dakota FAQs

You can find the right South Dakota insurance policy for your needs with help from the answers below.

  • How much is car insurance in South Dakota?

    In South Dakota, the average cost for liability-only car insurance is $59 per month. The average cost for full-coverage insurance is $136 per month.

  • What are the best car insurance companies in South Dakota?

    The best car insurance companies in South Dakota include nationwide companies like State Farm and Progressive, as well as regional insurers like North Star. To find the right car insurance company for you, compare at least three companies and look at their rates, coverage amounts, and discounts.

  • What is the required auto insurance coverage amount in South Dakota?

    All drivers in the state of South Dakota must have the following liability coverage: $25,000 per person and $50,000 per accident in bodily injury liability insurance, $25,000 in property damage liability insurance, and $25,000 per person and $50,000 per accident in uninsured and underinsured motorist coverage (UM/UIM). The law requires these coverages as well as an SR-22 financial responsibility form for any applicable drivers.4

Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Nick has been a contributor at Insurify since October 2022.

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