Scoring the lowest possible premiums on South Dakota auto insurance is not hard at all when you follow a few simple steps. Here is a summary of current stats, facts, laws, rates and other information regarding car insurance in the state of South Dakota.

South Dakota Minimum Liability Coverage

Insurance professionals refer to South Dakota’s minimum required car insurance coverage as 25/50/25. That means $25,000 in Personal Injury Protection (PIP), $50,000 in per-accident protection and $25,000 against property damage, for a total of $100,000 in liability coverage per owned vehicle.

South Dakota’s minimum coverage for property damage is relatively high. According to analysts at, this may be partly because vehicles in South Dakota suffer more hail damage than vehicles in any other U.S. state except Wyoming. South Dakota auto insurance companies paid out more than twenty million dollars in claims last year on hail damage alone.

Penalties for Driving Without Insurance in South Dakota

People caught driving uninsured vehicles in South Dakota face fines from $100 to $500, and a suspended driver’s license for 30 days to one year. This is usually followed by further annoyances like reinstatement fees and raised premiums.

Auto Insurance Rates in South Dakota

In 2016, the average annual auto insurance premium in the state of South Dakota was $1,168, lower than the national average at the time, which was $1,347. The state’s low population density and relatively strong economy help keep the rates down. South Dakota also shines in terms of accident statistics: The state has the second lowest percentage of DUI fatalities of all U.S. states, with fewer than 35 such deaths reported last year. However, many of the state’s residents live on Indian reservations, where DUI deaths are relatively common but under-reported.

Low Cost Car Insurance Programs in South Dakota

According to the Department of Energy, the state of South Dakota, with its easy parking, low cost of living, strong commercial economy and below average insurance premiums, is the least expensive state in America to own a car. Still, vehicle owners in South Dakota find ways to bring their car insurance costs even lower. Ways of lowering premiums include annual payment in full, signing on for increased deductibles, improving one’s credit rating, and living alone (or living with low-risk drivers), to name just a few viable options.

The biggest savings on annual car insurance comes from qualifying for as many discounts as possible. These include good driver discounts, good student discounts, senior citizen discounts and vehicle safety discounts, among others. Most car insurance carriers also offer multiple policy discounts and multiple auto discounts.

Obtaining Auto Insurance Quotes in South Dakota

Customer satisfaction ratings indicate that the most popular auto insurance providers in South Dakota are AAA, Auto Owners Insurance, Farm Bureau, Geico, State Farm and 21st Century. Still, many South Dakota drivers prefer locally based insurance carriers like Western National. In any case, the state of South Dakota is home to no less than twenty-five carriers of auto insurance at competitive rates. Call around, request free quotes, and compare. Be sure to snag those discounts!