Actual Yearly Savings
  • Jonathan
  • $1920
  • Apr 10, 2017
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014

The Cheap Car Insurance Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap car insurance quotes is so easy now.

One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."


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Cheapest Car Insurance in South Dakota (SD)

South Dakota, “The Mount Rushmore State”, is home to the Black Hills where its namesake’s monument is located. Separated by the mighty Missouri River, the state’s landscape is divided into ranching on the west and industry and farming on the east. This variation gives South Dakota a wide selection of attractions for residents as well as visitors. Badlands National Park, Wind Cave National Park, Custer State Park and miles of open country in between attract tourists looking for wide open spaces and endless views. has made the wide open spaces easier to access by giving South Dakota drivers more time to get out there. Searching high and low for all the driving and car insurance information for the state, has compiled it all here for the convenience for all the South Dakota drivers.


Car Insurance Quotes for South Dakota

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Bon Homme$817.00$626.00$804.00$653.00$804.00
Charles Mix$817.00$626.00$800.00$653.00$804.00
Fall River$907.00$728.00$836.00$802.00$988.00
Ziebach$982.00$769.00$1,067.00$802.00$988.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Hitting record lows between 2006 and 2008, South Dakota has kept its average premiums as a percentage of income well below the national average.

Drunk Driving Fatalities

While South Dakota managed to keep the state’s drunk driving fatalities below the national average in 2010 and 2011, The National Highway Traffic Safety Administration revealed the 2012 and 2014 numbers were above the national average.

Teen Drinking and Driving

South Dakota’s teens drink and drive at a higher percentage than their peers across the nation.

Vehicular Theft in South Dakota

In 2012, South Dakota saw a rise in auto thefts, bringing the state’s rate to 127.8. The FBI reported that thefts in the state are well below the national average.


This state has history as wild as its landscape, and its laws and regulations have changed as often as its seasons. This list will help South Dakotans weather the change and easily find the information needed to stay on the road and well-protected.

South Dakota’s Minimum Requirements for Car Insurance

  • The Division of Insurance in South Dakota makes it clear that the state requires coverage for all vehicles to include liability and underinsured/uninsured motorist insurance.
  • Liability minimums in South Dakota:
    • $25,000 coverage in the event of an injury from an accident.
    • $50,000 coverage in the event of multiple injuries in an accident.
    • $25,000 coverage in the event of damaged property in an accident.
  • Uninsured/Underinsured minimums in South Dakota:
    • Must match liability coverage

New Driver Licensing Requirements

  • South Dakota’s Department of Public Safety handles the issuance and renewals of drivers licenses in the state. State law (SDCL 32-12-39) requires all drivers to get a license within 30 days of residency and to keep their driver’s license on them at all times while driving. The state offers minors an Instruction Permit and a Restricted Minor’s License to give them a chance to learn to drive with increasing responsibility. South Dakota’s DPS website outlines the process for the permits and licenses.
  • Instruction Permit. Applicants who have reached 14 years of age may apply for this permit by passing the vision and knowledge exams. Requirements and restrictions with this license include:
    • An applicant who is under 18 years old must hold the permit either for 180 days or for 90 days if he/she completes an approved Driver Education Course.
    • The applicant must have a licensed adult driver in the front seat at all times while driving.
  • Restricted Minor’s Permit. In addition to the requirements for the Instruction Permit, applicants at this stage must pass the driving test as well. The following applies to this permit:
    • The applicant must have not had a driving violation within the 6 months preceding their application to this permit.
    • The applicant is allowed to drive his/her vehicle between the hours of 6am and 10pm.
    • The restriction on driving times is lifted while a parent or licensed adult is occupying the seat next to the applicant.
    • Upon the applicant’s turning 17 years of age, the permit is transferred to a regular Operator’s License.
  • Vision Screening. Without a peripheral vision requirement, the applicant must have a visual acuity of at least 20/40 with or without corrective lenses. This test is given upon issuing a new license and upon every renewal.
  • Knowledge Test. The South Dakota Driver’s Manual is the source for this exam. It consists of multiple choice questions regarding traffic laws, signs, signals, markings and safe driving practices.
  • Road Test. The driver’s manual is the source for this test as well, and the point of the test is to evaluate an applicant’s driving skills. The vehicle used must be provided by the applicant, have proof of insurance and registration and must be properly equipped. The test administrator will ride in the front seat next to the applicant and lead the applicant through a series of basic driving maneuvers, each of which are explained in detail in the Driver’s Manual.
  • Three attempts within a 6-month period are allowed for the exams. Upon failing the third attempt, the fees would need to be paid again.
  • Fees. A driver’s license and a permit each require a $20 fee.


  • BAC limit: .08 State law (SDCL ยง 32-23) defines DUI and the penalties associated with it in the state of South Dakota. A summary of the penalties can be located on the state’s DPS website, and several of those penalties are included here:
  • First Offense – Class 1 Misdemeanor:
    • Jail: maximum 1 year
    • License revocation: minimum 30 days
    • Fine: maximum $1,000
  • Second Offense – Class 1 Misdemeanor:
    • Jail: maximum 1 year
    • License revocation: minimum 1 year
    • Fine: $1,000
  • Third Offense – Class 6 Felony:
    • Jail: maximum 2 years
    • License suspension: minimum 1 year from sentencing or from release from prison, whichever is later.
    • Fine: $2,000
    • DUI School
  • Subsequent convictions and aggravated factors result in severely increased penalties.
  • The BAC limit for a driver under the age of 21 is .02 percent.

Texting & Driving Laws

There is a ban on hands-free and hand held cell phone use for novice drivers, and no driver may text and drive.

Unique Laws

Each state has its own priorities when making laws, and South Dakota is no different. In this state, for instance, it is illegal to lie down and fall asleep while in a cheese factory. It is also illegal to arm wrestle a pacifist in an attempt to change his/her mind, and pants must be worn by all horses in certain South Dakota cities!


State Department of Insurance

South Dakota Department Labor and Regulation
Division of Insurance
445 E. Capitol Ave.
Pierre, SD 57501
(605) 773-3563
Get Directions

Department of Transportation

South Dakota Department of Transportation
Becker-Hansen Building
700 E. Broadway Ave.
Pierre, SD 57501
(605) 773-3265
Get Directions

Department of Motor Vehicles

South Dakota Department of Revenue
Motor Vehicles Division
445 E. Capitol Ave.
Pierre, SD 57501
(605) 773-3541
Get Directions

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