South Dakota Auto Insurance Rates
Median premium: $710/6mo across 10 carriers and 385 ZIP codes.
Premiums range from $604 to $1,028 — a 1.7x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$710
per 6 months
ZIP Codes
385
with rate data
Carriers
10
rated in SD
Price Spread
1.7x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $427 | 385 ZIPs | 100% | |
| 2 | Progressive | $557 | 0 ZIPs | 0% | |
| 3 | American Family | $608 | 0 ZIPs | 0% | |
| 4 | State Farm | $640 | 0 ZIPs | 0% | |
| 5 | Nationwide | $704 | 0 ZIPs | 0% | |
| 6 | Travelers | $717 | 0 ZIPs | 0% | |
| 7 | Liberty Mutual | $736 | 0 ZIPs | 0% | |
| 8 | Allstate | $832 | 0 ZIPs | 0% | |
| 9 | Farmers | $897 | 0 ZIPs | 0% | |
| 10 | GEICO | $929 | 0 ZIPs | 0% |
1
$427USAA#1 in 385 ZIPs (100%)
2
$557Progressive#1 in 0 ZIPs (0%)
3
$608American Family#1 in 0 ZIPs (0%)
4
$640State Farm#1 in 0 ZIPs (0%)
5
$704Nationwide#1 in 0 ZIPs (0%)
6
$717Travelers#1 in 0 ZIPs (0%)
7
$736Liberty Mutual#1 in 0 ZIPs (0%)
8
$832Allstate#1 in 0 ZIPs (0%)
9
$897Farmers#1 in 0 ZIPs (0%)
10
$929GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in South Dakota
| City | Avg Median | ZIPs |
|---|---|---|
| Belvidere | $628 | 1 |
| Draper | $628 | 1 |
| Kadoka | $628 | 1 |
| Long Valley | $628 | 1 |
| Martin | $628 | 1 |
Most Expensive Cities in South Dakota
| City | Avg Median | ZIPs |
|---|---|---|
| Whitewood | $786 | 1 |
| White Owl | $786 | 1 |
| Wasta | $786 | 1 |
| Wall | $786 | 1 |
| Vale | $786 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$786/6mo
57799 (Spearfish)
Cheapest ZIP
$604/6mo
57117 (Sioux Falls)
1.7x
Price Spread
The most expensive ZIP in South Dakota costs 1.7x more than the cheapest. Your ZIP code matters more than you think.
South Dakota Auto Insurance FAQ
ZIP Code Lookup
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All carriers in South Dakota
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Access ZIP-level rate data across all 10 carriers, 385 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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