{"id":323440,"date":"2025-11-14T07:45:44","date_gmt":"2025-11-14T12:45:44","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=112924"},"modified":"2025-11-14T07:45:44","modified_gmt":"2025-11-14T12:45:44","slug":"best-in-south-dakota","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-south-dakota\/","title":{"rendered":"Best Car Insurance in South Dakota"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Car Insurance Companies in South Dakota Review\"><\/span>\n    \n\n\n<p>Paying for car insurance is just a part of owning a car.\u00a0 South Dakota\u2019s auto insurance costs are generally below the U.S. average, but rates have climbed since 2021; many good\u2011driver full\u2011coverage policies now fall in the mid\u2011$1,000s per year and minimum coverage often lands in the low\u2011to\u2011mid $300s (see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-south-dakota\/\">Bankrate<\/a>, <a href=\"https:\/\/www.thezebra.com\/state-of-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS CPI<\/a>).<\/p>\n\n\n\n<p>We chose the best car insurance companies in South Dakota based on annual premium cost, consumer support and satisfaction, coverage options, and online resources, incorporating the latest pricing benchmarks and regional customer satisfaction insights from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>. Some of the top picks for the state are also part of our national list of<a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\"> best car insurance companies<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in South Dakota<\/h2>\n\n\n\n<ul><li><strong>Allstate:<\/strong>  Best for robust coverage <\/li><li><strong>American Family:<\/strong> Best for customizable coverage<\/li><li><strong>State Farm:<\/strong> Best for customer service<\/li><li><strong>USAA<\/strong>: Best for military-centric options<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Top Car Insurance Companies in South Dakota<\/h2>\n\n\n\n<p>The average price for car insurance will vary depending on a number of situations. Credit score, driving record, the city in South Dakota you live in, age of the car, and more all affect your premium in South Dakota.&nbsp; Recent studies show urban areas like Sioux Falls and Rapid City often price higher than rural counties, and overall premiums have increased since 2021 due to higher claim severity and repair costs (see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/south-dakota-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.thezebra.com\/state-of-insurance\/\">The Zebra<\/a>).<\/p>\n\n\n\t\t\n<section id=\"block_5fd118a179423\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL FULL COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL MINIMUM COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER OVERALL CUSTOMER SATISFACTION**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fd118a179423-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,785<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$424<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>825<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd118a179423-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,070<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$376<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>839<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd118a179423-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,242<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$226<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>847<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd118a179423-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,337<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$188<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>897<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>The comparison data above reflects 2021 inputs; current 2025 averages are higher due to market-wide inflation in claim costs. For up-to-date South Dakota benchmarks, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/south-dakota-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.thezebra.com\/state-of-insurance\/\">The Zebra<\/a>.<\/em><\/p>\n\n\n\n<p><em>* Data provided by Bankrate.com<\/em><\/p>\n\n\n\n<p><em>** J.D. Power <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 Auto Insurance Study<\/a> for the region that includes South Dakota. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Allstate: Best for robust coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for robust coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,785*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">825**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Streamlined claims process <\/li>\n                            <li>Strong online policy management and learning materials <\/li>\n                            <li>24\/7 claims center<\/li>\n                            <li>Drivewise program<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Missing some common discounts<\/li>\n                                        <li>Below average customer satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liability\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury protection\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal umbrella policy\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental reimbursement coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Sound system insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured and underinsured motorist coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-lock brake discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-theft device discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Automatic withdrawal discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early signing discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Full-pay discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New car discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paperless discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Responsible payer discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Smart student discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><strong data-rich-text-format-boundary=\"true\">Allstate auto insurance review <\/strong><\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><strong>Allstate homeowners insurance review <\/strong><\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><strong>Allstate renters insurance review<\/strong><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"American Family: Best for customizable coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family<\/h2>\n\n\n                                                \n\n\n<section id=\"american-family-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for customizable coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family Insurance is a safe choice for car insurance that offers online quotes, resources, an intuitive app and customizable car coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_SD_American_Family&#038;rvitemid=341087-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,070*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">839**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family Insurance is a safe choice for car insurance that offers online quotes, resources, an intuitive app and customizable car coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide variety of coverage types<\/li>\n                            <li>Unique discounts available<\/li>\n                            <li>Easy to file a claim<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Lowest financial strength rating on our picks<\/li>\n                                        <li>Slow claim process<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical expense<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Underinsured<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental Reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Emergency road service<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accidental death<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bundling policies\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple vehicle discount.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver discount.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u201cKnowYourDrive\u201d app discount,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loyalty discount.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Switching to American Family.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early-bird discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Discount for safety equipment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Completing a driving course discount.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Low-mileage discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Student discount.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Away at school discount for students.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Volunteer work\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Discount for family members<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More American Family Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\" data-rich-text-format-boundary=\"true\">American Family auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\">American Family homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/american-family-review\/\">American Family renters insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"State Farm: Best for customer service\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for customer service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=322561-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,242*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">847**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Impressive financial strength<\/li>\n                            <li>High claims satisfaction ratings<\/li>\n                            <li>Great discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Fewer add-on coverages than competitors<\/li>\n                                        <li>No accident forgiveness<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical expense<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Emergency breakdown coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Underinsured<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Car rental Reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Emergency road service<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Policy bundling<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Student away at school<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driving training<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vehicle safety<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Passive restraint<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-theft device<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\" data-rich-text-format-boundary=\"true\">State Farm auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm homeowners insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"USAA: Best for military-centric options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for military-centric options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?sid=\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,337*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">897**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Personalized customer service<\/li>\n                            <li>Affordable policies<\/li>\n                            <li>Many discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Only available to active and retired military members<\/li>\n                                        <li>Very few branch locations<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Extended benefits coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driver training course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Annual mileage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vehicle storage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Family discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Length of membership<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Military installation<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Policy bundling<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><strong data-rich-text-format-boundary=\"true\">USAA auto insurance review\u00a0 <\/strong><\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><strong>USAA homeowners insurance review<\/strong> <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><strong>USAA renters insurance revi<\/strong><\/a><strong><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">ew<\/a><\/strong><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data provided by Bankrate.com. <\/em><\/p>\n\n\n\n<p><em>**J.D. Power&#8217;s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> rating for the Central<strong> <\/strong>region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost1\" title=\"The Average Cost of Car Insurance in South Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in South Dakota<\/h2>\n\n\n\n<p>Several factors influence the average cost of car insurance in South Dakota, like extreme weather, crime rates, driving statistics, and more. Driving habits, traffic violations, age and sex of the driver, type of vehicle, etc., also influences the premium you\u2019ll pay.&nbsp; Premiums have risen in recent years alongside higher repair costs and claim severity; severe convective storms have also contributed to losses across the Great Plains (see <a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS CPI<\/a> and <a href=\"https:\/\/www.noaa.gov\/news\/2024-had-record-29-billion-dollar-weather-and-climate-disasters-in-us\">NOAA<\/a>).<\/p>\n\n\n\n<p>Today, many clean-record drivers in South Dakota can expect full coverage to price in the mid-$1,000s per year and minimum coverage in the low-to-mid $300s, on average. Nationally, full coverage commonly lands in the mid-$2,000s. Actual quotes vary widely by city, vehicle, credit, and coverage choices (see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/south-dakota-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-south-dakota\">NerdWallet<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/south-dakota-car-insurance\/\">The Zebra<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost2\" title=\"Top 3 Cheapest Car Insurance Companies in South Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in South Dakota<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>American Family<\/td><td>$1,070<\/td><\/tr><tr><td>Farmers Mutual of Nebraska<\/td><td>$1,086<\/td><\/tr><tr><td>State Farm<\/td><td>$1,242<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; figures reflect an earlier dataset and may be higher today. For current statewide benchmarks and cheapest-company snapshots, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/south-dakota-car-insurance\/\">Bankrate\u2019s South Dakota page<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost3\" title=\"Top 3 Most Expensive Car Insurance Companies in South Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in South Dakota<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Auto-Owners<\/td><td>$2,241<\/td><\/tr><tr><td>Western National<\/td><td>$2,168<\/td><\/tr><tr><td>Iowa Farm Bureau<\/td><td>$1,933<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; figures reflect an earlier dataset and may be higher today. Compare multiple quotes, as rank order can change by driver profile (<a href=\"https:\/\/www.thezebra.com\/auto-insurance\/south-dakota-car-insurance\/\">The Zebra<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost4\" title=\"Top 3 Cheapest Cities for Car Insurance in South Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in South Dakota\u00a0<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Brookings<\/td><td>$1,378<\/td><\/tr><tr><td>Tea<\/td><td>$1,383<\/td><\/tr><tr><td>Flandreau<\/td><td>$1,385<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; city-level averages fluctuate year to year and have generally increased since 2021. Recent trackers show rural areas often price lower than Sioux Falls and Rapid City (<a href=\"https:\/\/www.bankrate.com\/insurance\/car\/south-dakota-car-insurance\/\">Bankrate<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost5\" title=\"Top 3 Most Expensive Cities for Car Insurance in South Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in South Dakota\u00a0<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Pine Ridge<\/td><td>$2,156<\/td><\/tr><tr><td>Oglala<\/td><td>$2,149<\/td><\/tr><tr><td>Manderson<\/td><td>$2,147<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; current averages are typically higher than 2021. City rankings can shift as theft, traffic and repair costs change (<a href=\"https:\/\/www.thezebra.com\/state-of-insurance\/\">The Zebra<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to South Dakota Car Insurance \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Guide to South Dakota Car Insurance&nbsp;<\/h2>\n\n\n\n<p>South Dakota is an \u201cat fault\u201d (tort) auto accident state, so whoever is at fault for causing an accident is responsible for all costs up to policy limits. Insurance prices vary by location and risk \u2014 larger cities often see higher averages than rural counties. For current theft context, see <a href=\"https:\/\/www.statista.com\/statistics\/232588\/motor-vehicle-theft-rate-in-the-us-by-state\/\">this overview of vehicle theft rates by state<\/a> and the <a href=\"https:\/\/cde.ucr.fbi.gov\/\">FBI Crime Data Explorer<\/a>. South Dakota\u2019s weather can also influence premiums through hail and severe-storm losses.<\/p>\n\n\n\n<p>A conviction for driving without proof of insurance is considered a &#8220;Class 2 Misdemeanor&#8221; by South Dakota law and may be punishable by up to a $500 fine, up to 30 days in jail, or both, with potential license and registration consequences. Your driver\u2019s license may also be suspended upon conviction; electronic proof of insurance is accepted (see <a href=\"https:\/\/sdlegislature.gov\/Statutes\/Codified_Laws\/32-35-113\">SDCL 32-35-113<\/a> and <a href=\"https:\/\/sdlegislature.gov\/Statutes\/Codified_Laws\/32-35-113.1\">32-35-113.1<\/a>). For agency resources, consult the<a href=\"https:\/\/www.mvd.newmexico.gov\/vehicle-insurance.aspx\"> South Dakota Department of Public Safety Motor Vehicle Division<\/a>,&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Car Insurance Add-Ons That Will Further Protect You \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Add-Ons That May Further Protect You\u00a0<\/h2>\n\n\n\n<p>To save money on your auto insurance, several add-ons are recommended for drivers in South Dakota. Some may not be available to all drivers, and some car insurance companies may not offer all types of additional coverage.&nbsp; Common options include rental reimbursement, roadside assistance, loan\/lease gap and others; availability and pricing vary by carrier and state (see <a href=\"https:\/\/content.naic.org\/consumer-resources\/auto-insurance\">NAIC consumer guide<\/a>).<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\"><strong>Comprehensive insurance<\/strong><\/a><strong>:<\/strong> Covers non-collision-related damages to your vehicle, like theft and vandalism.&nbsp;&nbsp;<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/comprehensive-collision-insurance\/\"><strong>Collision<\/strong><\/a>: Covers the cost to repair any damage to your vehicle when in an accident.&nbsp;<\/li><li><strong>Medical payments:<\/strong> Up to the limits in your policy, this coverage will pay for your medical costs if you\u2019ve been in an accident.&nbsp;<\/li><li><strong>Rental reimbursement: <\/strong>If you need a rental car when your vehicle is being repaired after an accident, this coverage has your back.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-gap-insurance\/\"><strong>Gap insurance<\/strong><\/a><strong>:<\/strong> Covers the difference between the current value of your car and the amount you still owe on your vehicle.&nbsp;<\/li><li><strong>Towing and labor.<\/strong> If your vehicle is not drivable after an accident and needs to be towed, this coverage will kick in.<\/li><li><strong>Customized equipment. <\/strong>Covers vehicle add-ons like new wheels or a trailer hitch that\u2019s damaged.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">South Dakota Minimum Insurance Requirements<\/h3>\n\n\n\n<p>If you want to drive in South Dakota, you\u2019ll need to meet these state minimum requirements on your auto insurance policy. Even though the state doesn\u2019t require drivers to carry full coverage insurance on their vehicles, if you finance your car, most financial institutions will require you to have comprehensive insurance.&nbsp; South Dakota also requires Uninsured and Underinsured Motorist bodily injury coverage at least equal to 25\/50, and proof of insurance may be shown electronically (see <a href=\"https:\/\/dlr.sd.gov\/insurance\/auto-insurance.aspx\">South Dakota Division of Insurance<\/a>).<\/p>\n\n\n\n<p><strong>Minimum liability required in the state of South Dakota is divided as follows:<\/strong><\/p>\n\n\n\n<ul><li>$25,000 for bodily injury or death per person.<\/li><li>$50,000 for bodily injury or death to multiple people in an accident.<\/li><li>$25,000 for property damage.<\/li><\/ul>\n\n\n\n<p>To meet South Dakota state insurance laws, you&#8217;ll need to purchase and maintain a policy that includes:<\/p>\n\n\n\n<ul><li>Liability coverage.<\/li><li>Uninsured and underinsured motorist coverage.<\/li><\/ul>\n\n\n\n<p>You\u2019ll also need to have proof of insurance in your vehicle at all times.&nbsp;&nbsp; Electronic proof is acceptable under state law.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"South Dakota Car Insurance FAQs \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">South Dakota Car Insurance FAQs\u00a0<\/h2>\n\n\n<div id=\"block_61f7ffa855c57\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in South Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It is mandatory to have car insurance in South Dakota. The minimum car insurance required is referred to as 25\/50\/25:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000 bodily injury per person\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$50,000 bodily injury per accident\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000 property damage per accident<\/span><\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f7ffbb55c58\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in South Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Drivers in South Dakota pay an average of $1,642 per year for full coverage auto insurance and $275 per year for minimum coverage, according to 2021 data from Bankrate.com. Your rates may be higher or lower than the average.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f7ffcf55c59\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in South Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Our analysis of Bankrate\u2019s 2021 data shows that American Family has the cheapest full coverage average premium in South Dakota, at $1,070 per year. Car insurance rates are personalized, though, so your premium may be different and American Family may not be the cheapest for you.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"meth\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp; We also reference recent regional customer satisfaction findings from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>.<\/p>\n\n\n\n<p>As for average pricing, historic figures shown in on-page tables reflect earlier Bankrate.com datasets. For current context, we considered 2025 state benchmarks from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/south-dakota-car-insurance\/\">Bankrate<\/a> and trend analyses from <a href=\"https:\/\/www.thezebra.com\/state-of-insurance\/\">The Zebra<\/a>, noting that premiums have generally increased since 2021. For full coverage, the details commonly used in benchmarking include the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a late-model sedan, commute five days a week and drive roughly 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes; your quotes may differ materially by profile and location. For the latest statewide averages, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-south-dakota\/\">Bankrate\u2019s cost guide<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paying for car insurance is just a part of owning a car.\u00a0 South Dakota\u2019s auto insurance costs are generally below the U.S. average, but rates have climbed since 2021; many good\u2011driver full\u2011coverage policies now fall in the mid\u2011$1,000s per year and minimum coverage often lands in the low\u2011to\u2011mid $300s (see Bankrate, The Zebra, and BLS [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":342704,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best 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