South Dakota car insurance

From Sioux Falls to Rapid City, drivers in the Mount Rushmore State need dependable car insurance. Progressive helps you learn more about car insurance in South Dakota, including minimum requirements, available discounts, and how to build personalized, affordable coverage.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are South Dakota's minimum auto insurance requirements?

Drivers in South Dakota are legally required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) coverage at the following minimum limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$25,000 per accident
UM/UIM bodily injury What it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$25,000 per person
$50,000 per accident

While these are South Dakota's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is South Dakota a no-fault state?

No. South Dakota is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in South Dakota?

In 2023, the average cost for a liability-only auto insurance policy (single driver/single car) from Progressive in South Dakota was $75 per month.* Rates vary based on many factors, including your driving history, coverage selections, and location.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in South Dakota?

Finding the best car insurance in South Dakota means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in South Dakota get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in South Dakota, get a quote from Progressive. Here's how much drivers countrywide who save after switching to Progressive save on average, compared to their previous auto insurer:

  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average

How do I lower my car insurance cost in South Dakota?

To lower your car insurance cost in South Dakota, you may qualify for the following discounts through Progressive:

  • Five-year accident-free
  • Online quote
  • Multi-car
  • Paperless
  • Electronic Funds Transfer (EFT)
  • Multi-policy
  • Homeowner
  • Paid in full

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in South Dakota is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to South Dakota's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

South Dakota driving resources

From Aberdeen to Yankton, get to know South Dakota's driving laws and resources. These resources apply to Brookings, Mitchell, and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in South Dakota

Go online

Customize your policy's coverages, limits, and deductibles.

Quote auto insurance

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Call 1-866-749-7436

Ask an agent

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.