BudgetAutoRates affordability gauge: South Dakota premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $19 | $114 | Overall cheapest |
| GEICO | $21 | $125 | Digital-first drivers |
| Progressive | $24 | $145 | High-risk / SR-22 |
| Allstate | $29 | $169 | Bundling home + auto |
| Farmers | $31 | $184 | Agent relationships |
| Liberty Mutual | $34 | $201 | Custom coverage add-ons |
Illustrative estimates for layout and comparison purposes; see our methodology.
South Dakota requires liability coverage on every registered vehicle. The legal floor:
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $25,000 to replace, so one at-fault accident can outrun your property-damage limit.
UM/UIM also required.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Premiums swing inside South Dakota: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address.
South Dakota rates average about 8% below the national average, near $31/mo for liability and $184/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
Fines, license and registration suspension, SR-22 filings, and reinstatement fees, with exact amounts set by South Dakota law. Check current penalties with the South Dakota Department of Insurance, then let Scout dig up a minimum-coverage policy that costs less than the paperwork.
BudgetAutoRates