Overview of the Top Car Insurance in South Dakota
State Farm, Farmers Mutual of Nebraska, Geico, USAA, and Allstate are among the best car insurance companies in South Dakota. They provide various coverage options along with special benefits like accident forgiveness, rewards for safe driving, and bundling discounts. These features enable residents to customize their policies according to their specific requirements.
Comparison of South Dakota Car Insurance Providers
Below is a comparison of the top car insurance companies for drivers in South Dakota based on several review categories:
| Insurance Provider | Our Score | Reputation | Availability | Coverage | Cost | Customer Experience |
|---|---|---|---|---|---|---|
| 1. State Farm | 9.4 | 10 | 9.8 | 9.2 | 9.3 | 9.3 |
| 2. Farmers Mutual of Nebraska | 8.9 | 9.5 | 8.1 | 8.9 | 8.7 | 8.5 |
| 3. Geico | 9.1 | 9.7 | 10 | 8.4 | 9.1 | 8.8 |
| 4. USAA | 9.2 | 8.9 | 8 | 9.5 | 9.7 | 8.9 |
| 5. Allstate | 8.8 | 9.5 | 10 | 9.2 | 7.4 | 8.7 |
*Note: These ratings are specific to car insurance in South Dakota and consider national factors.
Reputation and Customer Experience
To evaluate a car insurance company’s reputation and customer experience, several factors are considered. These include consumer surveys, Better Business Bureau (BBB) ratings, AM Best financial strength scores, and customer reviews on sites like Trustpilot and Google. J.D. Power’s 2023 U.S. Auto Insurance Study, which surveys policyholders about their satisfaction with their insurers, is also referenced.
Detailed Provider Snapshots
#1 State Farm: Best Customer Experience
J.D. Power Score: 833/1,000
AM Best Rating: A++
BBB Rating: C-
State Farm is the largest private auto insurer in the U.S., offering a wide range of coverage options at competitive rates. Despite a recent decline in BBB ratings, it remains a popular choice due to high customer satisfaction and an extensive network of agents.
Coverage Options: Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Personal Injury Protection, Rental Car Reimbursement, Emergency Road Service, Rideshare Driver Coverage.
Discounts: Drive Safe & Save™ program, accident-free discounts, multi-policy discounts, and more.
#2 Farmers Mutual of Nebraska: Best Regional Coverage
J.D. Power Score: Not rated
AM Best Rating: A
BBB Rating: A+
Farmers Mutual of Nebraska provides region-specific coverage with strong financial stability and competitive rates, especially for younger drivers.
Coverage Options: Liability, Uninsured/Underinsured Motorist, Collision, Comprehensive, Farm and Ranch Auto policy.
Discounts: Discounts for various age groups and safe driving incentives.
#3 Geico: Best for Budget-Conscious Drivers
J.D. Power Score: 819/1,000
AM Best Rating: A++
BBB Rating: A-
Geico is well-known for its affordable rates and numerous discount options, making it an excellent choice for budget-conscious drivers.
Coverage Options: Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Rental Car Reimbursement, Emergency Road Service, Mechanical Breakdown Insurance.
Discounts: Safe driving discounts, multi-policy discounts, and more.
#4 USAA: Best for Military Members
J.D. Power Score: 890/1,000
AM Best Rating: A++
BBB Rating: Not rated
USAA offers tailored coverage and exclusive discounts for military members and their families. It is recognized for exceptional customer service and competitive rates, making it a top-tier option for eligible South Dakota drivers.
Coverage Options: Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Accident Forgiveness, Rideshare Gap Coverage, Roadside Assistance, Rental Car Reimbursement, Glass Coverage.
Discounts: Military-specific benefits, vehicle storage discount for deployed members, legacy discount.
#5 Allstate: Affordable for Many Drivers
J.D. Power Score: 806/1,000
AM Best Rating: A+
BBB Rating: A+
Allstate offers affordable rates, particularly for high-risk drivers, and provides a variety of coverage options and discounts.
Coverage Options: Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Rental Reimbursement, 24/7 Roadside Assistance, Rideshare Insurance, New Car Replacement Protection, Accident Forgiveness.
Discounts: Deductible rewards program, multi-policy discounts, safe driving discounts.
How to Choose the Best Car Insurance in South Dakota
When looking for the best car insurance in South Dakota, consider the level of coverage you need, available discounts, and the company’s reputation for customer service. Comparing quotes from multiple providers and taking advantage of discounts can help you find a well-rounded, affordable policy.
South Dakota Car Insurance FAQs
How much does car insurance cost in South Dakota?
South Dakota drivers typically pay around $2,291 annually for full coverage and $328 per year for minimum liability.
What is the minimum car insurance coverage required in South Dakota?
Drivers are required to have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability, and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Which car insurance company offers the best customer service in South Dakota?
State Farm is known for excellent customer service, with high J.D. Power scores and a broad network of local agents.