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South Dakota Car Insurance
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Common questions about South Dakota auto insurance
Need car insurance in South Dakota? Whether you live in Rapid City or Sioux Falls, Liberty Mutual Insurance has you covered. From liability protection to comprehensive coverage, we customize your South Dakota auto insurance, so you only pay for what you need.
What car insurance is required in South Dakota?
In South Dakota, it's illegal to drive without insurance. Drivers in South Dakota are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured/underinsured motorist coverage.
This chart shows the minimum auto insurance drivers are required to have in South Dakota for these coverages.1
Coverage | Amount |
|---|---|
| Bodily Injury to Others | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured and underinsured motorist coverage is also required. |
For more information, check out the South Dakota Department of Labor and Regulation.
What is the average cost of car insurance in South Dakota?
The average cost of car insurance in South Dakota is $1,5782 in 2021 according to thezebra.com. That's 3% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your South Dakota auto insurance, so you only pay for what you need.
What South Dakota car insurance coverage is right for you?
The chart above shows the minimum South Dakota auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your South Dakota car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in South Dakota?
Liberty Mutual understands that everyone has individual needs when it comes to their South Dakota auto insurance. Some might want the cheapest South Dakota car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your South Dakota car insurance, so you only pay for what you need.
Who has the cheapest car insurance in South Dakota?
Getting the cheapest car insurance in South Dakota may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate