Average Annual Premiums in South Dakota = $1,303  | via Insure.com

Cheap Insurance South Dakota

Cheap Insurance South Dakota

Driving in South Dakota

Insurance Tips

The state is one of the least populated in the nation, with plenty of wide open space and agricultural land. While there isn't as much competition as other states, consumers can still explore the many options for cheap insurance South Dakota has available.

Because so much of the state is rural, there is a much lower risk of auto accidents, which helps the average price of auto insurance stay low. Still, as the economy expands into different industries, such as bio-medical research and alternative energy, the population is expected to rise.

Required Coverage

  • The minimum requirements for liability coverage are 25/50/25. That's $25,000 per person, $50,000 per accident, and $25,000 for property damage.
  • The state also requires all policies to include Uninsured Motorist coverage at limits that match the above

Recommended Coverage

 Sioux Falls and Pierre are the largest cities in the state and residents can expect to pay more for their auto insurance than their rural neighbors. Only 9% of drivers are uninsured, due in part to the low price per policy.

We recommend purchasing Comprehensive and Collision coverage, especially if you're going to be driving in more rural areas. Wild animals don't obey traffic laws, and can cause a great deal of damage to your vehicle if you hit one!

Did you know?

  • South Dakotans pay almost $1 billion annually for medical care, economic production losses, and pain and suffering associated with underage drinking and driving.
  • There were almost 6,000 DUI arrests in 2012. The state requires ignition interlock devices to be installed in the vehicles of any person convicted.
  • The Black Hills, sacred to the Sioux, is on National Geographic's list of "best drives." Tourists come from all over the nation to drive through one of the most beautiful natural places in the world. The drive takes you through some famous spots, such as Deadwood, Rapid City, Mount Rushmore, and Needles Parkway.

Helpful Information

License and registration renewals can be done online via the SD Department of Public Safety's website.

We Have Your Town Covered!

Average Annual Premiums in South Dakota = $1,303  | via Insure.com

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