Really Cheap Auto Insurance in America


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This page features fast facts about car insurance in the state of South Dakota.

Minimizing premiums on South Dakota auto insurance is easier than you may think. This page provides useful stats, facts, laws, rates, and other information on reducing the cost of your South Dakota car insurance policy.

However, these handy tips can just as easily be used by drivers in any U.S. state. 

photo: lsvejda.wordpress.com





Average Auto Insurance Rates

The Average Annual Auto Insurance Premium in the state of South Dakota last year was $1,168, a bit lower than the national average at the time, which was around $1,347. 

South Dakota has an overall low population density and a burgeoning economy to help keep the rates down on car insurance.

South Dakota also has the second lowest percentage of DUI fatalities of all U.S. states, with less than 35 DUI deaths reported last year. This may be part of the reason for South Dakota's really cheap auto insurance (on average). 

However, the above statistic does not necessarily count DUI fatalities on reservation lands. 



Penalties for Uninsured Drivers

Drivers in South Dakota who get caught operating uninsured vehicles face a suspended driver's license for anywhere from one month to one year.

Additional financial insults include pricey reinstatement fees and raised premiums.



Minimum Liability Coverage

South Dakota state law imposes a minimum car insurance coverage of 25/50/25.

That means drivers in South Dakota are required to purchase at least $25,000 in Personal Injury Protection (PIP), $50,000 to cover injury to others, and $25,000 against property damage.

So, if you purchase the minimum coverage required by state law, your carrier will pay out a total of $100,000 in liability coverage per accident.


South Dakota's minimum property damage liability is high compared to other states, probably because vehicles in South Dakota suffer more hail damage than vehicles in any other U.S. state except Wyoming.

Last year alone, South Dakota car insurance carriers shelled out more than 20 million dollars just to cover the cost of hail damage on insured motor vehicles.




Getting Really Cheap Auto Insurance

According to the Department of Energy, South Dakota is the least expensive state in America to own a car.

But South Dakota car owners can still find ways to reduce premiums even further. Popular rate-reduction tactics include

  • Making annual payments in full,
  • Accepting increased deductibles,
  • Improving one's credit rating
  • Living alone (or living with others who are low-risk drivers).


Still, most drivers save biggest on annual car insurance premiums by qualifying for discounts like good driver discounts, good student discounts, senior citizen discounts and vehicle safety discounts, among others.



Obtaining Auto Insurance Quotes

Recent consumer reports reveal that the most popular auto insurance carriers in the state of South Dakota are

  1. AAA
  2. Auto Owners Insurance 
  3. Farm Bureau
  4. Geico
  5. State Farm
  6. 21st Century

At the same time, many South Dakota car owners prefer local carriers like Western National.

Either way, just call a few agents, ask about discounts, request free quotes and compare rates. Get a few free online quotes as well.

Then simply go with the carrier who offers the lowest annual rates.




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