Progressive car insurance in South Dakota
Progressive writes personal auto insurance in South Dakota. We found no South Dakota-specific restrictions published on its own pages.
What Progressive costs in South Dakota
Two different measurements, shown together for context and deliberately not combined. Neither is what Progressive would quote you in South Dakota.
Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what Progressive specifically charges in South Dakota — rate filings are not compiled that way, and any site showing you that number has estimated it. We would rather show you the two real figures and be clear about what they do not tell you. The only number that describes your situation is a quote on your own ZIP code, vehicle and driving record.
What’s different about Progressive in South Dakota
We did not find any South Dakota-specific restrictions published on Progressive’s own pages. That is not the same as there being none — carriers do not always publish every state variation, and availability can change between renewals. Confirm the specific discounts you are counting on when you quote.
What South Dakota requires you to carry
South Dakota's minimum liability requirement is 25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.
Driving without insurance in South Dakota carries fines and other penalties that vary by circumstance, and can include vehicle impoundment or license suspension. A coverage lapse also tends to raise your next premium, sometimes for years afterward.
Full South Dakota rates and requirements →What moves a South Dakota premium most
How Progressive scores nationally
These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes Progressive as a company rather than its performance in South Dakota specifically.
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Other insurers writing in South Dakota
12 of the 13 insurers we review also sell in South Dakota. Availability is the first filter — a cheaper carrier that does not write here is not an option.
Progressive in South Dakota, answered
The questions South Dakota drivers ask about this carrier.
See what Progressive actually quotes you in South Dakota.
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