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South Dakota Car Insurance

Your Complete Car Insurance Guide for South Dakota

Full analysis of  COMMUTE TIMES, THEFT RATES  and  INSURANCE COST in your city.

Popular Questions About South Dakota Car Insurance

How much does South Dakota car insurance cost?

Car owners in the Mount Rushmore State pay more than most other drivers around the nation. Learn what's required, what additional coverages you should consider and how your city varies from others when it comes to the proper auto insurance.

Americans pay an average of $1,474 per year for their auto insurance. South Dakota drivers pay on average about $1,557 per year. Make sure you're getting the best rate by comparing quotes from a variety of insurance companies. 

What does South Dakota car insurance actually do for me?

You may be a great driver, but South Dakota roads can be dangerous, and accidents can happen when you least expect it. If you find yourself in one, here's what your car insurance will do for you ...

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FIX YOUR CAR

We officially call this "Comprehensive & Collision Coverage."

NOT REQUIRED

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FIX SOMEONE ELSE'S CAR

We officially call this "Property Damage Liability."

REQUIRED | MIN. $25,000

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PAY YOUR MEDICAL BILLS

We officially call this "Personal Injury Protection" or "PIP."

NOT REQUIRED

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PAY SOMEONE ELSE'S MED BILLS

We officially call this "Bodily Injury Liability."

REQUIRED | MIN. $50,000

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Pay attention: South Dakota requires every driver to have a certain amount of insurance at certain liability limits. Most states have similar laws to ensure that drivers are prepared for accidents they cause, so it isn't uncommon. These coverages will pay for someone else's vehicle damage and medical bills.

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course.

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How many SD drivers are uninsured:
7.8%

The problem is this: Some people drive without any insurance.

To protect yourself, your passengers and your vehicle from these careless drivers, "Uninsured Motorist Coverage" is here to help. If you are hit by an underinsured or uninsured driver, this coverage will pay to fix your vehicle and handle your medical bills.

Yes, your insurance company will typically attempt to collect compensation from the offending driver. But it's usually a lengthy and unsuccessful process.

South Dakota does require you to have uninsured motorist coverage, so talk to a Trusted Choice® agent about how you can get this added onto your policy.

Which are the best insurance companies in South Dakota?

An independent insurance agent compares policies from multiple companies to find the best coverage for your needs.

state auto
nationwide
safeco
austin mutual

Find the Best Insurance in Your City

Sioux Falls

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$118
PER MONTH
Avg. Cost of Sioux Falls Car Insurance

Depending on factors like your vehicle, gender and driving record, your monthly cost could be higher or lower than this. Just take this into consideration when talking through coverage options.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Since it's more likely you'll be in an accident the longer you spend on the road, you need comprehensive auto insurance. Sioux Falls drivers don't spend as much time commuting as others, which can help keep insurance rates relatively low.

National Average

25.4
MINUTES

Sioux Falls Average

15.8
MINUTES
THEFT IN YOUR CITY

You don't expect that your vehicle will ever be stolen, broken into or vandalized. But the reality is that it can happen without warning. Luckily, the theft rate in the area is much higher than the national average.

AUTO THEFT RATE IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft Rate in Sioux Falls
1.88
(per 1,000 vehicles)

What Sioux Falls residents are saying about our agents:

We have worked with this agent for over the past 2 years. He is without a doubt the most trustworthy insurance agent I have ever worked with. Working with him has made the insurance process a walk in the park. He looks at every possible detail and ensures that my family, my business and I are in good hands!Tom Z.
Yelp Review
Any time we have a question or concern, my agent is quick to provide an answer or work to help us with whatever comes up. He is always professional, polite and prompt, and he has provided us guidance with how to best handle our coverage. Jimmy L.
Google Review
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Rapid City

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$149
PER MONTH
Avg. Cost of Rapid City Car Insurance

Do you know how auto insurance should be calculated? It's a completely personalized process that assesses your driving history and insurance needs. That means it's a unique monthly rate but somewhere around the average.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Rapid City drivers spend less time on the road than most, which can help keep insurance rates relatively low. But every time you get behind the wheel, you put yourself at risk of getting into an accident.

National Average

25.4
MINUTES

Rapid City Average

15.6
MINUTES
THEFT IN YOUR CITY

Rapid City has a pretty high theft rate. To best prepare yourself emotionally and financially, ensure your auto insurance gives you 360 degrees of protection in case something unexpected happens.

AUTO THEFT RATE IN U.S.
2.94
(PER 1,000 VEHICLES)
Auto Theft Rate in Rapid City
2.82
(per 1,000 vehicles)

What Rapid City residents are saying about our agents:

Best in the business! My agent is extremely knowledgeable and always willing to help. I love the fact that I can reach him any time and always get a prompt response from him or his team.Joshua D.
Google Review
This agent was fantastic! She gave us an awesome price on our policy and was super friendly to work with. Thanks again for the great service!Brandon P.
Google Review
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Aberdeen

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$126
PER MONTH
Avg. Cost of Aberdeen Car Insurance

If your Aberdeen auto insurance is based on the average driver with the average car, you're doing it wrong. Talk with one of our local agents to receive a customized policy that takes into account your specific situation and insurance needs.

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Here are some city factors that will affect your rate:

COMMUTE TIME

A fender bender or hit-and-run accident can cause serious financial damage. Don't you want to know you're fully protected if one were to happen on your way to work? Keep this in mind when purchasing auto insurance.

National Average

25.4
MINUTES

Aberdeen Average

12.0
MINUTES
THEFT IN YOUR CITY

There are a few things you can do to protect yourself from auto theft: Take precautionary steps and have comprehensive auto insurance on your side. Some coverages protect against more than a stolen car and vandalism, so just ask your Trusted Choice agent.

AUTO THEFT RATE IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft Rate in Aberdeen
1.01
(per 1,000 vehicles)

What Aberdeen residents are saying about our agents:

It's unexpected to have such a high level of care from every person in every position in the office, and I always recommended this agency and its people when I hear that someone I know is shopping for insurance.Hope L.
Google Review
If you're looking for great service and customized insurance, come see my agent. He will get you set up with something that works for your budget and auto needs in no time!Jodi C.
Google Review
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Brookings

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$127
PER MONTH
Avg. Cost of Brookings Car Insurance

Did you know that your vehicle, ZIP code and average annual mileage and a few other factors are collected to find insurance for you? The right insurance gives you the coverage you need at a price you can afford.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Since an accident can happen in the blink of an eye, you should have an insurance policy that covers medical bills and vehicle repairs. Whether you caused the accident or not, it's still essential to have the right Brookings auto insurance.

National Average

25.4
MINUTES

Brookings Average

13.3
MINUTES
THEFT IN YOUR CITY

It's extremely rare to experience an auto-related crime in the Brookings area, which may help decrease insurance rates. But when you're traveling or headed to the big city, you should still make sure you have an umbrella of coverages.

AUTO THEFT RATE IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft Rate in Brookings
0.21
(per 1,000 vehicles)

What Brookings residents are saying about our agents:

I've been very satisfied with how this agency has handled my health and car insurance. I'd definitely recommend their services to my friends and family.Ralph H.
Google Review
We used a different insurance company many years ago and this agency went above and beyond what they did. They worked it all out for us and did a great job. I had a great experience working with the staff and I'd highly recommend their services to anyone I know.Andy C.
Google Review
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Watertown

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$118

PER MONTH
Avg. Cost of Watertown Car Insurance

Your monthly cost could be higher or lower than this, depending on a number of factors like your vehicle's age, make and model, as well as your gender, your driving record and claims history.

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Here are some city factors that will affect your rate:

COMMUTE TIME

It's simple: The more time you spend behind the wheel, the more likely it is that you'll be in an accident. Watertown drivers spend less time on the road than the average driver, which may help keep insurance rates low.

National Average

25.4
MINUTES

Watertown Average

13.4
MINUTES
THEFT IN YOUR CITY

The theft rate in Watertown is much lower than the national average. While this may help decrease insurance rates, you should still consider the repercussions if a criminal activity were to occur.

AUTO THEFT IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Watertown
0.99
(per 1,000 vehicles)

What Watertown residents are saying about our agents:

The customer service is very friendly and the agents have a wide range of knowledge. The agents have a great response time and have been able to assist with any questions that I have had. Heidi S.
Google Review
This Watertown agency offers many plan options, along with great coverage at a reasonable cost. I have recommended this agency to many of my friends and family!Miranda L.
Google Review
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Mitchell

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$133

PER MONTH
Avg. Cost of Mitchell Car Insurance

A number of factors and characteristics will go into determining how much you pay for auto insurance. That means your rate can fluctuate from this average.

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Here are some city factors that will affect your rate:

COMMUTE TIME

You may not think about it often, but every time you get on the road, you're at risk for getting into an accident. Considering Mitchell drivers spend nearly half an hour every day simply going to and from work, you can't afford to skimp on coverage.

National Average

25.4
MINUTES

Mitchell Average

13.6
MINUTES
THEFT IN YOUR CITY

The more dangerous your area, the more likely it is your vehicle will be stolen or vandalized. Because Mitchell's theft rate is relatively low, you shouldn't worry too much. But make sure you're fully protected, just in case.

AUTO theft rate in U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Mitchell
1.92
(per 1,000 vehicles)

What Mitchell residents are saying about our agents:

My agent and his staff offer exemplary service. Whether calling to check on rates or calling from the side of the road after an accident I have always received great care. The staff knows its customers by name and treat every question as important.Tim Y.
Google Review
I've had my agent for as long as I have lived in South Dakota. Even when I first moved to the area, she worked with me and always provided incredible customer service. When I ran into problems with my insurance, she gave 110%.Joan F.
Google Review
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Yankton

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$142

PER MONTH
Avg. Cost of Yankton Car Insurance

Take this average with a grain of salt. It's the typical rate a Yankton car owner have, but your policy will be customized to your unique driving and insurance needs.

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Here are some city factors that will affect your rate:

COMMUTE TIME

You spend a lot of time driving to and from work. For Yankton employees, it may not be as much as for others around the country, which could be good for your car insurance rates. But you can never control the actions of other drivers on the road.

National Average

25.4
MINUTES

Yankton Average

13.8
MINUTES
THEFT IN YOUR CITY

Yankton is an extremely safe community. But that doesn't mean criminal activity never happens. Protect yourself and your vehicle by purchasing comprehensive auto insurance through a Trusted Choice agent.

Auto Theft In U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Yankton
0.47
(per 1,000 vehicles)

What Yankton residents are saying about our agents:

This is an amazing company to be involved with! Love working with their people every time I have questions.Jan S.
Google Review
The auto insurance I received from this agency was so affordable! My agent explained everything and now I feel comfortable knowing I'm protected on the road.Sandie J.
Google Review
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Pierre

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$145

PER MONTH
Avg. Cost of Pierre Car Insurance

Since your vehicle, gender, driving record and claims history go into determining your monthly cost, your insurance could be higher or lower than this average rate.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Pierre residents don't spend nearly as much time commuting as the average national driver, so that could help lower your auto insurance rates. But every time you get behind the wheel, you put yourself and your vehicle at risk for damage.

National Average

25.4
MINUTES

Pierre Average

11.0
MINUTES
THEFT IN YOUR CITY

You can park under street lights and hide valuables, but you may still encounter an auto-related theft in Pierre. Ensure your auto insurance provides the proper protection if something happens.

Auto Theft In U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Pierre
2.41
(per 1,000 vehicles)

What Pierre residents are saying about our agents:

My agent and his staff were very knowledgeable, professional and detail-oriented to our insurance coverage. He was very informative and even suggested coverage that was best suited to our insurance needs.Jeff I.
Online Reviewer
We have never been left hanging with unanswered or partially answered questions. The individual attention we received was above and beyond. We felt very comfortable with my agent the minute we walked into her office.Terri B.
Google Review
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Huron

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$139

PER MONTH
Avg. Cost of Huron Car Insurance

Since your auto insurance policy is completely personalized, your rate will vary from this average. Talk to a Trusted Choice agent to compare quotes and find something in your price range.

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Here are some city factors that will affect your rate:

COMMUTE TIME

The good news is that Huron drivers spend much less time on the road than the average national driver. This could have a positive effect on your rates. But accidents can happen without warning and wreak both emotional and financial stress after the fact. Get peace of mind with the proper auto insurance policy.

National Average

25.4
MINUTES

Huron Average

11.7
MINUTES
THEFT IN YOUR CITY

Luckily, the theft rate in Huron is extremely low when compared with the national average. This may help decrease insurance rates, but it doesn't mean you're without risk, so continue to take precautionary measures.

auto theft in U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Huron
0.75
(per 1,000 vehicles)

What Huron residents are saying about our agents:

The entire claim process was easy. My agent and his team were super helpful and accommodating. We have car, life and homeowners coverage with them and would highly recommend them to anyone looking for an agent that cares.John K.
Online Reviewer
Incredible service! Caring staff and agent. I recommend everyone to stop in and get an insurance quote.Huron Resident
Online Reviewer
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Vermillion

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$126

PER MONTH
Avg. Cost of Vermillion Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Vermillion drivers spend slightly less time on the road than the average national driver, which helps keep insurance rates lower.

National Average

25.4
MINUTES

Vermillion Average

15.8
MINUTES
THEFT IN YOUR CITY

The more dangerous your area, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Vermillion is lower than the national average, which may help decrease insurance rates.

auto theft in U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Vermillion
1.02
(per 1,000 vehicles)

What Vermillion residents are saying about our agents:

Excellent service from my agent and everyone in the office. My calls and emails with change requests, questions, and advice are always handled in a professional and friendly way. Vermillion Resident
Online Reviewer
What a great agency! Not only is it conveniently located for me, but the service is so personal. It's like my family is part of theirs.Kelsey H.
Online Reviewer
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How Much Does Car Insurance Cost
by South Dakota City?
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Sioux Falls
$1,416 per year


Rapid City
$1,788 per year


Aberdeen
$1,512 per year


Brookings
$1,524 per year


Watertown
$1,416 per year


Mitchell
$1,596 per year


Yankton
$1,704 per year


Pierre
$1,740 per year


Huron
$1,668 per year


Vermillion
$1,512 per year


Spearfish
$1,968 per year


Brandon
$1,512 per year

Box Elder
$1,788 per year


Sturgis
$1,968 per year


Madison
$1,524 per year


Belle Fourche
$1,968 per year


Harrisburg
$1,512 per year


Tea
$1,512 per year


Hot Springs
$2,076 per year


Dell Rapids
$1,512 per year


Mobridge
$1,884 per year


Milbank
$1,740 per year


Lead
$1,968 per year


Canton
$1,512 per year

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