South Dakota Car Insurance FAQ - Quick Answers

South Dakota drivers pay on average about $1,180 per year for car insurance. This makes it less expensive than the national figure of $1,311 annually. Make sure you're getting the best rate by comparing quotes from a variety of insurance companies through an independent insurance agent.

Every driver in South Dakota will have a customized auto policy, but some common coverages are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage from a non-collision effect, such as a flood.
  • Collision: Pays for a collision with another vehicle, animal, or property.

South Dakota has mandatory minimum limits that you must have when driving and they are as follows:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • Uninsured motorist liability 

In South Dakota, 7.7% of the drivers on the road that are uninsured. Fortunately, you can purchase uninsured motorist coverage that helps pay for any loss that is caused by an uninsured driver. This type of coverage is a requirement in South Dakota.

To find the best car insurance coverage in your area, you need to know who's in the running. In South Dakota, State Auto, Nationwide, and Safeco insurance companies are rated among the top. These carriers are used by many because of their superior claims service and broad coverage selection.

Do You Know What Your Car Insurance Covers in South Dakota?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Sioux Falls16.93.55$991
Rapid City16.44.19$1,252