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- South Dakota Car Insurance
Get a South Dakota car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance South Dakota
South Dakota drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programSouth Dakota minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in South Dakota. To drive legally, you need to have at least the following coverage amounts and minimums in South Dakota.4
Coverage | Amount |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Check out the South Dakota Division of Insurance for more details.
Average car insurance cost in South Dakota, 2026
According to 2026 data, the average cost of “full” coverage car insurance in South Dakota is about $1,596 per year.
South Dakota drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Is South Dakota a no-fault insurance state?
No, South Dakota is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, South Dakota drivers may want to consider additional coverages:
This coverage can help cover you if you're in an accident with an underinsured or uninsured driver. While this coverage is optional, it's recommended to have it.
What is considered "full coverage" car insurance in South Dakota?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of South Dakota you're only required to have the state Liability minimums and Uninsured/Underinsured Motorist Coverage.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in South Dakota when you get an online auto insurance quote.
What liability insurance is required in South Dakota?
South Dakota law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings. SD also required Uninsured/Underinsured Motorist Coverage.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident
You may see this written as 25/50/25.
Remember, this is only the minimum coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Who offers cheap insurance in South Dakota?
Finding the cheapest car insurance in South Dakota may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate