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Car insurance in South Dakota costs $25 per month or $304 per year for minimum coverage, on average. The cheapest car insurance companies in South Dakota are USAA, Farmers Mutual Insurance of Nebreska, and Auto-Owners, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in South Dakota is 55% lower than the national average auto insurance premium. There are several factors that affect how much you’ll pay for car insurance in South Dakota, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in South Dakota by Category
- After an at-fault accident: $91 per month
- Driver with poor credit: $48 per month
- Teen driver: $128 per month
- After a DUI: $46 per month
Average Cost of Car Insurance in South Dakota by Company
Company | Minimum Coverage | Full Coverage |
$444 per year | $2,194 per year | |
$390 per year | $1,353 per year | |
$204 per year | $1,779 per year | |
$464 per year | $2,205 per year | |
$228 per year | $1,496 per year | |
$299 per year | $1,234 per year | |
$336 per year | $1,403 per year | |
$315 per year | $2,926 per year | |
$245 per year | $1,271 per year | |
$179 per year | $1,472 per year |
Note: Rates are an approximation based on a 45-year-old man in South Dakota with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in South Dakota by Age
Age | Average Annual Premium |
$1,530 per year | |
$1,229 per year | |
$1,069 per year | |
$781 per year | |
$704 per year | |
$538 per year | |
$496 per year | |
$448 per year | |
$422 per year | |
$370 per year | |
$314 per year | |
$304 per year | |
$280 per year | |
$300 per year |
Note: Rates are an approximation based on a driver in South Dakota with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in South Dakota
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in South Dakota as well as our picks for the cheapest car insurance companies in South Dakota.
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