Cheap Car Insurance in South Dakota
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South Dakota Car Insurance Minimums
South Dakota requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Underinsured motorist
At-fault (tort) state.
Source: SDCL 58-11-9, 58-11-9.4, 32-35-70 (https://sdlegislature.gov/api/Statutes/58-11-9.html), verified 2026-09-01.
What drives car insurance rates in South Dakota
Average spend per insured vehicle, 2023
$937
South Dakota drivers spent $937 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
64.6¢
Auto insurers in South Dakota paid 64.6 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.4
South Dakota recorded 146 traffic deaths in 2024, 1.4 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
133.7
South Dakota reported 1,250 motor vehicle thefts in 2025, 133.7 per 100,000 residents, from 195.9 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#41
FEMA ranks South Dakota #41 of 51 for expected annual loss from natural hazards; flood accounts for 36% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in South Dakota
The ten insurer groups that wrote the most auto premium in South Dakota in 2025, with their share of the state total of $903 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 23.6% | $213 million |
| 2 | State Farm Group | 20.42% | $184 million |
| 3 | American Family Insurance Group | 7.65% | $69 million |
| 4 | Fmne Insurance Co. | 5.48% | $49 million |
| 5 | United Services Automobile Association Group | 4.65% | $42 million |
| 6 | North Star Co. Group | 3.8% | $34 million |
| 7 | Farmers Insurance Group | 3.73% | $34 million |
| 8 | Berkshire Hathaway Group | 3.27% | $30 million |
| 9 | Goodville Mutual Group | 3.27% | $30 million |
| 10 | Iowa Farm Bureau Group | 3.23% | $29 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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