Best Automobile Insurance In South Dakota 2022

General questions about auto insurance in South Dakota.

Do you need auto insurance in South Dakota? Whether you live in Rapid City or Sioux Falls, Liberty Mutual Insurance has you covered. From liability to comprehensive coverage, we offer tailored South Dakota auto insurance so you only pay for what you need.

What kind of auto insurance do I need in South Dakota?
It is illegal to drive without insurance in South Dakota. South Dakota requires that you have the following auto insurance coverage Bodily injury and property damage liability insurance and uninsured/underinsured motorist coverage.

What are the average South Dakota auto insurance rates?

According to thezebra.com, the average South Dakota auto insurance premium is $1,440 per year.2 This is 3.2% less than the national average. Of course, the cost of auto insurance depends on many factors, including your age, where you live, and driving habits.

Some people opt for minimum coverage, while others prefer the convenience and safety of greater coverage. Liberty Mutual will match your South Dakota auto insurance policy to you, so you only pay for what you need.

Which South Dakota auto insurance policy is right for you?

The table above shows the minimum car insurance requirements in South Dakota. However, depending on your budget and needs, you may consider increasing your coverage to be more protected. We can help you customize your South Dakota auto insurance policy to get the coverage that’s right for you.

What is the best car insurance deal in South Dakota?

NerdWallet has selected Liberty Mutual as one of the best auto insurance companies in 2022.3 That’s because we understand that everyone has individual needs when it comes to South Dakota auto insurance. Some people want the cheapest car insurance in South Dakota, while others want more coverage and a company they can trust. We can help you find the best South Dakota auto insurance so you only pay for what you need.

What is the cheapest car insurance in South Dakota?

The cheapest car insurance in South Dakota may seem like a bargain, but that cheap rate can get expensive when you need it most. You need auto insurance that is not only affordable, but more importantly, that you can trust in the event of an accident.

Liberty Mutual auto insurance can be cheaper than you think.

  • 617 less than GEICO
  • 659 less than Allstate
  • 643 less than Allstate

Cheapest auto insurance in South Dakota in 2022.

Auto insurance is an important purchase, but finding cheap car insurance in South Dakota isn’t always easy. That’s why it’s important to compare rates from multiple insurance companies.

According to NerdWallet’s analysis, the average cost of comprehensive auto insurance in South Dakota is $1,502 per year, or about $125 per month. Minimum essential coverage in South Dakota costs an average of $311 per year, but we know there are cheaper policies available. For example, Farmers Mutual of Nebraska offers the lowest rates in South Dakota. Minimum auto insurance for a 35-year-old driver with no driving history averages $177 per year.

How we chose South Dakota’s lowest-cost company

NerdWallet editors analyzed auto insurance rates from 11 South Dakota auto insurance companies to find the five cheapest options for drivers in different age categories and driving histories for the 2019 Toyota Camry L. For minimum coverage, we looked for rates that met South Dakota’s minimum requirements. For comprehensive insurance, we found the following coverage amounts

  • 100,000 bodily injury per person.
  • 300,000 for bodily injury per person.
  • Liability of $50,000 for property damage per accident.
  • Uninsured motorist coverage of $100,000 per person.
  • Uninsured motorist coverage of $300,000 per accident.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

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