What’s going on in South Dakota? More than you may think! The state is known for Mount Rushmore and some of the best stargazing around. You can also find bison and Sioux Quartzite, which are red and pink rocks estimated to be 2 billion years old. South Dakota is also known for the largest motorcycle rally in the world, which is held every year in Sturgis. When talking about the car insurance rates, its around the national average.Get cheap car insurance in South Dakota by requesting a quote from Cheap Insurance. It’s free, so what have you got to lose?

Quick South Dakota Car Insurance Facts

  • South Dakota’s minimum auto insurance coverage requirement is called the 25/50/25 rule.
  • Full auto insurance coverage in South Dakota costs roughly $1,642 per year.
  • Minimum coverage in the state costs about $275 per year.
  • Approximately 8% of South Dakota drivers have no auto insurance.

Minimum South Dakota Car Insurance Coverage

South Dakota’s minimum car insurance coverage requirements can be found on the state’s Department of Labor & Regulation’s Division of Insurance website.

South Dakota drivers must have minimum insurance to pay for bodily injury and property damage in the event of an accident. This includes the following auto insurance coverages:

Property damage: $25,000 per accident

Bodily injury/death: $25,000 for bodily injury per person, $50,000 for bodily injury per accident

Getting Cheap Car Insurance in South Dakota

Want discounts on your policy? Cheap car insurance is available by following these tips:

Do a comparison. Are you paying more than you should? A comparison website can help compare car insurance providers. Start by getting a free quote from Cheap Insurance.  

Use group insurance. You may be able to save money by using an insurance plan through your employer, college, or professional affiliation. 

Improve your credit. Paying your bills on time improves your creditworthiness, which can help you save on insurance.

South Dakota Car Insurance Discounts

When searching for car insurance coverage in South Dakota, you want the best deal possible. Consider these discounts:

Good Driver: Accidents and moving violations increase your insurance premiums. Follow the rules of the road and get lower rates. 

Good Student: Getting As and Bs not only helps with college but with insurance rates as well. Drivers may be able to save 10% or more if they’re good students.

Military: Veterans and active military members may be able to get a discount. Contact your car insurance provider to learn more.

Safety features: A vehicle with airbags, anti-lock brakes, and other safety features can mean a discount of 20% or more.


What is the average car insurance cost in South Dakota?

The average cost for insurance coverage in South Dakota is $1,642 per year.

How much is car insurance per month in South Dakota?

You’ll pay $137 per month for car insurance coverage in South Dakota.

What is the penalty for driving without insurance in South Dakota?

Driving without car insurance in South Dakota is a Class 2 misdemeanor. Drivers can expect a $100 fine, 30 days in jail, and license suspension for up to one year.

What is driving like in South Dakota?

South Dakota has a diverse landscape that makes for beautiful drives. Keep in mind that there’s a lot of wide-open space so that it can be many miles between gas stations, restaurants, and other points of interest. Be careful of wildlife and unpredictable weather, both of which can slow you down.

How can I save money on my car insurance policy in South Dakota?

Want cheap car insurance in South Dakota? These tips can help:

  • Raise your deductible to $1,000, which will lower premiums.
  • Stay loyal. Don’t change your car insurance provider, and you could save.
  • Don’t overinsure. Remove collision and comprehensive coverage from older vehicles.

Other Types of Coverage

You need a minimum amount of insurance coverage to operate a vehicle in South Dakota. Consider these additional car insurance coverages for more protection:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional kinds of coverage 

Endorsements and Riders

  • Towing and road service: Get a jump start, gas, or towing services if you ever break down. 
  • Rental car reimbursement: This insurance pays for the use of a rental car.
  • Gap insurance: Gap insurance fills in the gap between the value of your vehicle and how much you owe on it.