Cheap Car Insurance Rates in South Dakota (2023)

Compare Auto Insurance Rates in South Dakota

South Dakota Auto Insurance

In order to drive safely you should know the auto insurance requirements and rates in South Dakota. Whether you've been in the state for a while or you're just moving there, you may be looking for good quality, cheap auto insurance in South Dakota. To do that you'll want to be familiar with the South Dakota driving laws, so you can follow them and show your insurance company a good driving record to get lower rates.

Car Insurance Requirements in South Dakota

South Dakota minimum auto insurance requirements include liability coverage and uninsured/underinsured motorists coverage. Liability limits are:

  • $25,000 worth of bodily injury or death coverage per person
  • $50,000 worth of bodily injury or death coverage per accident
  • $25,000 worth of property damage coverage

The uninsured/underinsured motorists coverage has to match the liability insurance amounts, as well. Other types of coverage are not required according to South Dakota car insurance laws. You can get collision, comprehensive, and other types of coverage to protect yourself financially, but the state won't require you to do that.

Is South Dakota a No-Fault State?

South Dakota is a fault state and a tort state. That means the driver who caused the accident is responsible for making sure the other people injured in the accident are properly compensated. That includes property damage, too.


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Car Insurance Prices in South Dakota

Car insurance prices in South Dakota generally fall between $539 and $1,615, with an average price of $1,077. Of course, these prices can vary a lot depending on the driver's age, driving record, and type of coverage they want. Minimum coverage is typically much less expensive than full coverage, and younger drivers will pay more than older drivers with teens paying the most and middle-aged people paying the least.


<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Car insurance for 16 - 18 year olds in South Dakota can cost more than $2,000 annually. For families that have a teen driver in their household, shopping around for a lower price can be a good way to find discount programs that can help with car insurance rates.</qa> 

<qa>2;Car Insurance for Students (18 - 24 year olds) in South Dakota;An 18-year-old who is just going off to college will still be paying the higher teen rates. But as they get through college they'll see those rates start to drop. At age 22 there will be a lowering of car insurance rates, and another big drop in price at age 24. That should bring the premiums down below $2,000 per year.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in South Dakota;At 24, most car insurance companies consider a driver to be an adult for purposes of insurance rates. That means the rates will level out and will continue to drop as the driver gets older. But at 24 the rates are already much more reasonable than they were at 18.</qa> 

<qa>4;Car Insurance for 55 (and Over) in South Dakota;Car insurance premiums at the age of 55 are about the lowest they are going to get. After that point they slowly start to rise as the driver ages. But they aren't going to go back to the rates they were at when the driver was a teenager.</qa> 

<qa>5;Car Insurance for Veterans in South Dakota;Veterans in South Dakota may have the opportunity to get better car insurance rates through discounts. They should check with their insurance company in order to see what kinds of discounts they can get.</qa> 


AgeMost Popular VehicleGenderMost Common City
18 - 24FordMale - 50% | Female - 50%Sioux Falls
25 - 54ChevroletMale - 46% | Female - 54%Sioux Falls
55 - 64ChevroletMale - 41% | Female - 59%Sioux Falls
65 +ChevroletMale - 46% | Female - 54%Sioux Falls

* This information is based on users.

Auto Insurance for Good Drivers

Good drivers are drivers who get rewarded by insurance companies. They usually don't have tickets, and they are rarely in an accident. Because they have a good driving record, their insurance company will see them as a lower risk and give them a discount on their car insurance rates.

Auto Insurance for Bad Drivers

Even great people can be bad drivers. For those with some blemishes on their record, higher insurance rates are to be expected. There may be tickets or accidents on their driving record, or even a DUI. An insurance company will see them as a higher risk driver, so they will charge them more in premiums than they would charge a good driver for the same coverage.

Traffic Violations and Fines in South Dakota

Speeding Ticket Cost in South Dakota

Speeding ticket costs are controlled by counties, but any driver who gets one can expect to pay a few hundred dollars. They may also see points on their license. If they are convicted of reckless driving in South Dakota, there will be more points on their license and higher fines to pay. Traffic school can help, but it won't always take care of everything.

Driving While High Laws in South Dakota

DUI laws in South Dakota are strict, and they include driving under the influence of marijuana and other types of drugs. Even for drivers who can legally have a drug in their home, it's always illegal to drive while high.

Driving Without Car Insurance in South Dakota

South Dakota law requires drivers to have car insurance. If they're found to be driving without it they could face fines, having their car impounded, and license suspensions.

Texting and Driving in South Dakota

Distracted driving is more than just texting. It's also other types of cell phone use while driving, eating while driving, and anything else that takes the driver's attention away from the road. Passengers and pets can be distractions too. Not all of these things are illegal, but they're all definitely distracting.


<twitter>It's completely legal to drive barefoot if you want to, but most people think it isn't.</twitter>


South Dakota Car Accidents

In 2017, there were 5.29 alcohol-related fatal car accidents in South Dakota for every 100,000 people. That means the state is one of the worst when it comes to these kinds of traffic deaths, according to car accident statistics. Forty percent of all South Dakota traffic fatalities were based on impaired drivers, and 62 percent of those drivers were at nearly twice the legal limit for blood alcohol content.

Reasons for Car Accidents in South Dakota

The major reasons for car accidents in South Dakota were vehicles striking one another and striking fixed objects, but alcohol was a factor in nearly half of these accidents. Additionally, distracted driving, speeding, and failure to yield were all reasons for accidents in the state.

Car Accident Statistics by Vehicle Type in South Dakota

Most of the car accidents in South Dakota were between passenger cars. SUVs and trucks were also involved in accidents, as were motorcycles, but they made up significantly less of the accidents than passenger cars did.

Car Accidents in South Dakota - More Facts

On average, a car accident occurs in South Dakota every few minutes. People are dying on the roads there, largely because of other people drinking too much alcohol and then getting behind the wheel. This is a problem that South Dakota is working to solve, but so far the state has had little success. With large expanses or rural areas, the time it takes to get emergency services to a traffic accident can also play a factor in fatality rates and serious injuries.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in South Dakota

  • You can stay in the left lane the whole time if you want to. South Dakota doesn't have the "move over" law that many states have, where the left lane is only for passing.
  • You can pull a camper and a boat if you want. At the same time. Just don't make your "train" more than 75 feet long.


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