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Cheapest Car Insurance in South Dakota

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.


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 § 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!


Best Cheap Car Insurance Quotes for South Dakota

Minnehaha County Car Insurance

Along the eastern border of South Dakota, Minnehaha is the state's most populous county, home to nearly 170,000 at the 2010 Census. Interstate 90 running from east to west intersects Interstate 29 going north to south near Sioux Falls, the county seat and largest city.

Within Minnehaha County is Garretson, where Devil's Gulch Park natural chasm is known as the place where Jesse James jumped with his horse to escape authorities after a bank robbery. The chasm now has a visitor's center and walking tour. Also in Garretson is Palisades State Park.

County Sedan Suv Coupe Truck Hybrid

Pennington County Car Insurance

Home to nearly 101,000 at the 2010 Census, Pennington County stretches from Montana's western border to include part of Badlands National Park on its eastern section. Interstate 90 runs through part of the county through Rapid City, the county seat and largest city.

The town of Keystone, located in the county's Black Hills region, is the site of Mount Rushmore, where peak tourist season is June through August. Other popular points of interest are the Old West town of Deadwood, Crazy Horse Memorial, Custer State Park and Wind Cave National Park.

County Sedan Suv Coupe Truck Hybrid

Lincoln County Car Insurance

Encompassing a small southern section of Sioux Falls and running south along Interstate 29 is Lincoln County. The county is ranked among the nation's fastest growing, due largely to southward grown of Sioux Falls and its suburbs.

The county seat is Canton, which is about a 20-minute drive from Sioux Falls. Located on the Big Sioux River and with Newton Hills State Park and Lake Alvin within easy access, the county provides plenty of outdoor recreation. Lincoln County was the site of the Hiawatha Insane Asylum, the first and only institution for insane Indians in the U.S. The site today is a gun club, fairground, country club and golf course.

County Sedan Suv Coupe Truck Hybrid

Brown County Car Insurance

Centered around the county seat of Aberdeen, Brown County is home to an estimated 38,000. The county lies at the northern section of the state, with North Dakota just across the state line. The county seat is Aberdeen, a college town that is home to both Northern State University and Presentation College.

Aberdeen is known as the birthplace of the Super 8 Motels, which were founded in 1972 as a motel referral services only. Founders Dennis Brown and Ron Rivett later opted to replace the service with a franchise operation, and opened the very first Super 8 in Aberdeen in 1974. It is still open today as the Super 8 Aberdeen East.

County Sedan Suv Coupe Truck Hybrid

Brookings County Car Insurance

Located along South Dakota's eastern border, Brookings County is home to eight lakes. Brookings, the county seat, is the site of South Dakota State University, the largest higher education institution in the state and the county's largest employer. It is also the headquarters for a number of manufacturing and agricultural organizations.

Brookings hosts an annual Summer Arts Festival, and the Children's Museum of South Dakota is also popular with visitors. The nearby small city of Bruce hosts "Honey Days" during the last week of July, inspired by the local company Adee Honey Farms and including a parade and Saturday night "dance-off." The slightly larger Volga is the time of "Old Timer's Day," a 21-and-up festival held the first week of June.

County Sedan Suv Coupe Truck Hybrid

Codington County Car Insurance

Located in northeast South Dakota, Codington County is about two hours north of Sioux Falls on Interstate 29. The county seat is Watertown, where the residential real estate is considered the most expensive in the state.

Watertown was the childhood home of wildlife and Americana painter Terry Redlin. The Redlin Art Center in Watertown now contains more than 160 of his works on display. The restored 1885 Mellette House was the home of South Dakota's first governor, Arthur Mellette. Watertown in March hosts the South Dakota Taxidermy Association competition, which features a people's choice award where the public judges the side-by-side entries.

County Sedan Suv Coupe Truck Hybrid

Meade County Car Insurance

Between Rapid City and the Cheyenne River Reservation in western central South Dakota, Meade County had a population of 25,434 at the 2010 Census. It was named for Fort Meade, established as a U.S. Military post in 1878 and named for Gen. George Meade.

The county seat is Sturgis, a city of about 6,700 and the site of one of the largest motorcycle events in the world. The Sturgis Motorcycle Rally is held during the second week of August each year. It was near the City of Faith that a team discovered "Sue," the largest, most extensive Tyrannosaurus rex every discovered, in the summer of 1990.

County Sedan Suv Coupe Truck Hybrid

Lawrence County Car Insurance

Home to an estimated 25,000, Lawrence County lies at South Dakota's western border. The Blackhills National Forest takes up much of the county's southern half, with Interstate 90 traversing its northern section.

Deadwood, the county seat, is the site of the Midnight Star casino, owned by actor Kevin Costner. His 1990 film, "Dances With Wolves," was largely shot in South Dakota. Its largest city, Spearfish, holds the world record for the fastest recorded temperature change. In January 1943, the temperature went from -4 degrees F to 45 degrees in two minutes. The sudden change reportedly caused windows to crack.

County Sedan Suv Coupe Truck Hybrid

Yankton County Car Insurance

One of South Dakota's southernmost counties, Yankton County is just north of Nebraska. The Missouri River forms its southern border. Yankton, the county seat and largest city, was the first capital of the Dakota Territory.

Riverboat Days is held the third weekend in August in Yankton, attracting an estimated 135,000 visitors and more than 150 artists. Among other things, events include a snowmobile grass drag race. The town is also headquarters for the National Field Archery Association, and in 2015 it hosted nearly 600 archers from all of the world for the World Archery Youth Championships.

County Sedan Suv Coupe Truck Hybrid

Davison County Car Insurance

About 90 minutes west of Sioux Falls on Interstate 90, Davison County had 19,504 residents at the 2010 Census. The county seat is Mitchell, where a prehistoric Indian village is under excavation while enclosed in a climate-controlled structure built over it.

When the town of Mitchell had only 3,000 residents in the late 1800s, they built a place to gather and celebrate their corn harvests. A new "Corn Palace" was built in 1905, and another, larger one in 1921. The exterior features murals made from corn parts that are changed every year.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Bon Homme$817.00$626.00$803.00$653.00$804.00
Charles Mix$817.00$626.00$834.00$653.00$804.00
Fall River$907.00$737.00$814.00$802.00$988.00
Ziebach$1,002.00$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, accidents, 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 auto insurance 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.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversState Farm
Young driversAmerican Family
Drivers with an at-fault crashState Farm
Drivers with poor creditFarmers
Retired driversState Farm


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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