Country Guide
Best Car Insurance in South Dakota (2026)
South Dakota consistently ranks among the cheapest states for car insurance. Compare top carriers.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in South Dakota
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Overall value | $1,040/yr | — |
| 2 | USAA | Military families | $800/yr | — |
| 3 | Progressive | Safe drivers | $1,160/yr | — |
| 4 | American Family | Midwest coverage | $1,100/yr | — |
| 5 | Farmers | Farm coverage | $1,200/yr | — |