Cheapest Car Insurance In South Dakota 2025

If you’re searching for the cheapest car insurance in South Dakota, Farmers Mutual of Nebraska out as the most affordable option for minimum coverage, at an average of $264 per year, which is lower than the national average of $637.

Drivers in South Dakota looking for full coverage car insurance can find the lowest rates with Farmers Mutual of Nebraska, averaging $1,200 per year. This is significantly lower than the national average of $2,401.

Cheapest Car Insurance In South Dakota For Minimum Coverage

Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of South Dakota.

Farmers Mutual of Nebraska offers the cheapest minimum coverage car insurance in South Dakota, with average monthly premiums of $22.

Cheapest Car Insurance In South Dakota For Full Coverage

Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.

Farmers Mutual of Nebraska has the cheapest full coverage car insurance in South Dakota. You can get coverage for around $100 a month.

Cheapest Car Insurance In South Dakota For Drivers With Poor Credit

Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.

If you have poor credit, you can find the cheapest car insurance with GEICO. Premiums are around $164 per month.

Cheapest Car Insurance In South Dakota For Seniors

Car insurance for seniors in South Dakota can be found at an affordable rate of $41 per month with Farmers Mutual of Nebraska.

Seniors in South Dakota have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.

Cheapest Car Insurance In South Dakota For Teenagers

Teenage car insurance rates in South Dakota are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums

State Farm has the cheapest rates for teens, with an average monthly premium of $241.

Cheapest Car Insurance In South Dakota For Good Drivers

Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.

Kemper provides the cheapest auto insurance policy in South Dakota for drivers with a clean record, at an average annual rate of $984.

Cheapest Car Insurance In South Dakota For Drivers With A Speeding Ticket

State Farm has average premiums of $115, making it the cheapest option for drivers with a speeding ticket.

Cheapest Car Insurance In South Dakota For Drivers With An At-Fault Accident

State Farm has average premiums of $121, making it the cheapest option for drivers with an at-fault accident.

Cheapest Car Insurance In South Dakota For Drivers After A DUI

State Farm has average premiums of $96, making it the cheapest option for drivers with a DUI on their record.

Average Cost Of Car Insurance In South Dakota – By Age

An 18-year-old driver in South Dakota can expect to pay around $3,372 per year for their insurance, while a 35-year-old driver will only pay around $1,656.

Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.

Average Cost Of Car Insurance In South Dakota – By City

Drivers in Sioux Falls typically pay around $1,296 per year, while drivers in Pierre may find rates around $984.

The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.

Minimum Car Insurance Requirements In South Dakota

South Dakota drivers must have minimum car insurance with liability coverage set at 25/50/25. The minimum amount of coverage required by law is as follows:

• $25,000 for bodily injury per person
• $50,000 in bodily injury per accident
• $25,000 for property damage per accident.
• $25,000 for uninsured/underinsured per person
• $50,000 in uninsured/underinsured per accident

Car Insurance Discounts In South Dakota

While searching for car insurance, it’s wise to explore providers that present the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.

Below is further insight into the common types of discounts provided by top car insurance companies:

• Multi-policy: Bundle two or more insurance policies with the same company.
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
• Military: This generally applies to both veterans and active-duty military members.
• Senior: This often applies to policyholders who are 55 or older.
• Homeowners: If you own a home, you may qualify for this discount.
• Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
• Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
• Defensive driving: Those who take a qualifying defensive driving course get a discount.
• Driver training: Get a discount by taking a driver education training course.
• New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
• Safe car: This applies if your vehicle has safety features like anti-theft technology.
• Paperless: Receive a discount by opting to receive your documents through email.
• Pay-in-full: Save on your car insurance premium by paying in full up front.

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