Insurance Agencies in South Dakota
Find trusted insurance agencies for car and home insurance in South Dakota. Compare quotes from 20+ carriers. Average auto rate: $1,331/year. Minimum auto coverage: 25/50/25.
South Dakota has below-average rates and standard insurance requirements.
Get Your Free South Dakota Quote$1,331
Avg. Auto Rate/Year
25/50/25
Auto Minimum Coverage
20+
Carriers Compared
2 min
Quote Time
South Dakota Insurance FAQ
What insurance do I need in South Dakota?
South Dakota requires minimum auto liability coverage of 25/50/25. For homeowners, coverage requirements depend on your mortgage lender, but most require dwelling and liability coverage. We recommend carrying higher limits than the minimum for better protection.
How much does car insurance cost in South Dakota?
The average cost of car insurance in South Dakota is $1,331 per year for full coverage. Your actual rate depends on your age, driving record, vehicle, location within South Dakota, and coverage levels.
How can I find affordable insurance in South Dakota?
Compare quotes from multiple carriers using Truvo — it's free and takes 2-3 minutes. Bundling car and home insurance often saves 10-25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.
What factors affect insurance rates in South Dakota?
Key factors include your ZIP code within South Dakota, driving record, age, credit score, vehicle and home details, coverage level, and claims history. South Dakota has below-average rates and standard insurance requirements.
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