Trying to find the cheapest car insurance in South Dakota may seem confusing and frustration because you have to understand all the car insurance regulations while also shopping for the best car insurance rates. You can find the cheapest car insurance in SD by learning just a little about car insurance in the Mount Rushmore State and taking advantage of discounts offered by insurance carriers. Whether you live in live in a larger city like Sioux Falls or in a small town like Deadwood, the ways you can get the cheapest car insurance in South Dakota are the same.

First, South Dakota state car insurance regulations aren’t that complicated. State law requires that all SD drivers have a minimum bodily injury liability coverage of $25k or more for one individual injured in an accident, and a total of at least $50k for the whole accident. You will also need property damage liability to legally drive in South Dakota, at least $25k worth. These three types of liability coverage, when packaged together, are generally called 25/50/25 basic coverage. Now that you understand what South Dakota law requires you to have, you can begin your search for the cheapest car insurance in South Dakota by comparing car insurance quotes from various insurance companies.

Another thing to remember while shopping around for the cheapest car insurance in South Dakota is that every car insurance policy is not the same. While it may seem like you’re getting the cheapest car insurance in SD by purchasing only basic coverage, you also need to make sure that you’re getting enough car insurance for your needs. While it may seem like a great deal, once you get into an accident, you could end up paying thousands of dollars because your car insurance limits were too low. What seems like the cheapest car insurance in South Dakota can end up costing you if you don’t have enough insurance.

One way to get the cheapest car insurance in South Dakota is to consider paying your premium in full when you purchase your car insurance. This is because many companies charge fees for monthly installments, sometimes called administrative fees, fractional premiums or installment fees. Before you sign up to pay your car insurance every month, ask your insurance agent about these fees. You might find that you’re not getting the cheapest car insurance in SD because monthly installment fees are adding to your premiums.

You may be aware that asking for discounts is one way to get cheap car insurance, and while this is true, you can also find discounts for unlikely things. Most people know about safe driver discounts, but if you don’t have a clean driving record, you can still get the cheapest car insurance in South Dakota. Many car insurance companies offer discounts through your employer, any organizations you are involved in, and even discounts for having good grades. Make sure and ask for discounts to get the cheapest car insurance in SD, so you can drive with peace of mind and a heavier wallet.