The Best Cheap Motorcycle Insurance in South Dakota
Dairyland has the cheapest motorcycle insurance in South Dakota. It costs $14 per month for full coverage.
Compare Motorcycle Insurance Quotes in South Dakota
Best cheap SD motorcycle insurance
ValuePenguin compared quotes from seven top companies across 32 of the largest cities in South Dakota to help you find the best cheap motorcycle insurance in South Dakota.
Our experts ranked the best motorcycle insurance companies in South Dakota based on customer service, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. Full methodology.
The cheapest motorcycle insurance companies in South Dakota
Dairyland sells the cheapest motorcycle insurance in South Dakota. On average, a full-coverage policy from Dairyland costs $14 per month which is 30% cheaper than the state average of $20 per month.
Compare Motorcycle Insurance Quotes in South Dakota
A full coverage policy from Progressive costs $4 per year more than the same policy from Dairyland.
Cheapest insurance companies
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $14 | |
| Geico | $14 | |
| Progressive | $14 | |
| Harley-Davidson | $15 | |
| Allstate | $26 | |
Best for most people: Progressive
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Monthly rate
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Pros and cons
Progressive has some of the cheapest motorcycle insurance plans in South Dakota.
In addition to its low rates, Progressive also stands out for its broad range of coverage options, many discounts and good customer service reputation.
Progressive offers more coverage than most SD motorcycle insurance companies with its basic policies. All Progressive motorcycle insurance policies will pay for the full cost of your motorcycle without factoring in depreciation , called full replacement cost coverage. All Progressive policies also come standard with coverage for original equipment manufacturer (OEM) parts.
Progressive also has optional add-ons for your motorcycle insurance policy. For example, you can get coverage for accessories and personal items like watches, phones and duffel bags that are lost or damaged in a crash. You can also get roadside assistance, which makes Progressive a good choice if you're a daily rider.
Progressive discounts
You can lower your motorcycle insurance rate even more by taking advantage of one or more of Progressive's discounts. These include discounts for switching to progressive, responsible driving, joining motorcycle-focused groups like the Harley Owners Group (H.O.G.) and more.
Progressive gets 35% fewer customer complaints compared to an average insurance company of the same size. That indicates Progressive customers are generally satisfied with their service.
Consider Harley-Davidson if customer service is a high priority for you. Its rates are slightly more expensive, but it gets very few customer complaints.
Best motorcycle insurance for discounts: Harley-Davidson
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Monthly rate
$15 ?
Pros and cons
Harley-Davidson offers an impressive range of discounts. These range from association discounts that you can qualify for by joining the Harley Owners Group (H.O.G.) to price breaks when you pay on time and insure more than one motorcycle with Harley.
Harley-Davidson discounts
- New bike
- Harley Owners Group (H.O.G.) member
- Motorcycle endorsement
- Experienced rider
- H-D Riding Academy course completion
- Homeowners
- Pay on time
- Accident-free renewal
- Bundled protection
- Loyalty (renewal)
- Multicycle
- Anti-theft device
- Military/law enforcement
Keep in mind that Harley-Davidson doesn't sell auto insurance which means they don't offer a bundling discount. You may get a better deal from your existing auto insurance company if they also sell motorcycle insurance.
Harley-Davidson gets significantly fewer complaints compared to an average-sized insurance company of the same size. That's a positive sign that most Harley-Davidson customers are satisfied with their coverage.
Best for low rates: Dairyland
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Editor rating
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Monthly rate
$14 ?
Pros and cons
Dairyland has the cheapest motorcycle insurance in South Dakota with an average monthly rate of $14 for full coverage. That's 30% cheaper than the state average.
Customers who qualify for one or more of Dairyland's discounts can lower their monthly rate even more.
- Loyalty discount
- Multicycle discount
- Homeowners discount
- New customer transfer discount
- Motorcycle rider course discount
- Motorcycle group insurance discount
- Harley Owners Group (H.O.G.) membership discount
Dairyland has several coverage add-on options including full-replacement cost coverage, roadside assistance and special equipment coverage. You can also get rental reimbursement and original equipment manufacturer (OEM) coverage through Dairyland.
However, Dairyland doesn't offer trailer or vacation rental coverage making it a poor choice for road-trippers.
Avoid Dairyland if strong customer service is a top priority for you. It gets more than one and a half times as many complaints as an insurance company of the same size. Higher customer complaint levels can signal a lengthy and frustrating claims process.
South Dakota motorcycle insurance: Costs by city
Where you live in South Dakota doesn't have much of an impact on your monthly rate.
Where you live in South Dakota has a minimal impact on your monthly rate. Statewide, motorcycle insurance prices range from $19 to $21 per month on average among SD's largest cities.
Areas with higher rates may have more thefts or worse traffic and weather than places with lower rates.
Average motorcycle insurance cost in SD by city
City | Monthly cost | % from average |
|---|---|---|
| Aberdeen | $19 | -4% |
| Belle Fourche | $19 | -3% |
| Box Elder | $21 | 5% |
| Brandon | $20 | 1% |
| Brookings | $19 | -4% |
South Dakota motorcycle insurance requirements
South Dakota requires riders to buy a minimum level of motorcycle insurance coverage.
South Dakota's coverage requirements include bodily and property damage liability, which pays for injuries and vehicle damage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
In South Dakota, you must also buy uninsured and underinsured motorist coverage. This will cover you if you get in an accident with a driver who either doesn't have insurance or if their insurance coverage levels are too low to fully pay for injuries caused by a crash.
The number of uninsured drivers in South Dakota has more than doubled since 2022. However, it's still relatively low at roughly 7% of all drivers in the state. The national average is roughly 13%.
It's generally a good idea to buy more than the minimum required coverage. Getting a full-coverage policy can protect you against other types of damage to your motorcycle.
For example, comprehensive insurance will pay for repairs if your motorcycle is damaged by weather or vandalism. Collision coverage will kick in if you get into an accident regardless of who caused the crash.
Frequently asked questions
Who has the best motorcycle insurance in South Dakota?
Progressive has the best motorcycle insurance for most riders in South Dakota because of its low rates, strong coverage options and good customer service. Its full coverage policy costs $14 per month, which is 30% cheaper than the statewide average.
Do you need motorcycle insurance in South Dakota?
Motorcycle owners in South Dakota need to have $25,000 of bodily injury coverage per person, $50,000 of coverage per accident and $25,000 of property damage liability, often written as 25/50/25 coverage.
South Dakota also requires all drivers to carry uninsured and underinsured motorist insurance, but it doesn't require a certain level of coverage.
Does South Dakota require motorcycle helmets?
Yes, but only if you're under the age of 18. You don't need to wear a motorcycle helmet if you're 18 or over.
Compare motorcycle insurance in South Dakota vs other states
Methodology
To find the best cheap motorcycle insurance in South Dakota, ValuePenguin collected 31 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The best companies in SD were chosen based on their monthly rates, coverage options and customer service.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.