The Cheapest Auto Insurance Companies in South Dakota in 2025
With average monthly liability rates of $38, State Farm is the cheapest car insurance company in South Dakota.
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Written byAnna Baluch
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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In This Article
Like nearly every state in the country, South Dakota requires all drivers to have car insurance. Drivers throughout the state pay a monthly average of $99 for car insurance, according to Compare.com data. Auto policies in South Dakota tend to be more affordable than in other states, possibly due to its lower population.[1]
But even with these relatively cheap rates, many car insurance companies in South Dakota offer policies for well below the state average, including big names like State Farm, USAA, and Farmers. Monthly liability insurance rates start as low as $36.
Below, we’ll dive deeper into South Dakota’s most affordable car insurance companies for different driver types and explain how to find the right company and save on car insurance.
Key Takeaways
The average cost of car insurance in South Dakota is $60 per month for liability insurance and $138 for full coverage.
You have to purchase minimum liability insurance limits of 25/50/25 and uninsured/underinsured motorist coverage to legally drive in South Dakota.[2]
Bristol West, Farmers, and Safeco are a few of our top picks for South Dakota car insurance.
Cheapest Car Insurance in South Dakota by Driver and Coverage Type
When it comes to car insurance, every driver has their own unique budget, needs, and personal preferences. A number of factors, such as your ZIP code, age, gender, and driving history, will affect how much you pay for coverage.[3]
The following sections highlight the cheapest insurers in South Dakota for different backgrounds and coverages, according to our data.
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The Overall Cheapest Car Insurance in South Dakota
Regardless of the average car insurance costs in South Dakota, you can always find ways to save. Several insurance companies even have average rates that fall below the state average. It’s a good idea to compare quotes from multiple insurance companies before deciding on the right insurer for you.
Here’s a look at the cheapest auto insurance companies in South Dakota, according to Compare.com data.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $38 |
| Farmers | $43 |
| Auto-Owners | $44 |
| American Family | $46 |
| USAA | $48 |
| GEICO | $61 |
| Direct Auto | $62 |
| Allstate | $63 |
| Bristol West | $65 |
| Safeco | $70 |
| Nationwide | $78 |
| Dairyland | $81 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Estimated Cost: $179 per month
40.1% of drivers like you pay less for car insurance. Compare quotes to save up to $1320 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Liability Car Insurance in South Dakota: State Farm
State-minimum car insurance in South Dakota includes liability insurance, which helps pay for the other driver’s property damage and injuries following an accident you cause. The Mount Rushmore State also requires uninsured/underinsured motorist coverage.
While liability insurance is the most affordable option, you should understand your car insurance needs to determine if you need to buy coverage beyond the state minimum.[4] The average monthly cost of minimum coverage in South Dakota is $60.
If you decide liability insurance is enough for you, here are five of the state’s cheapest car insurance companies, according to Compare.com data.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How much car insurance is required in South Dakota?
South Dakota law requires all drivers to buy car insurance. To drive legally, you must have the following minimum car insurance coverage:
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
Is minimum coverage enough in South Dakota?
Car insurance experts often recommend you buy coverage that exceeds the minimum limits in your state. For example, if you have $5,000 in damages to your vehicle from a car accident you caused, your insurer won’t pay for any of the damages if you have only liability coverage. For vehicle protection, you need to purchase collision and comprehensive coverage.
Cheapest Full-Coverage Car Insurance in South Dakota: State Farm
Full-coverage insurance typically comes with comprehensive and collision coverages, which can kick in after theft, vandalism, fire, at-fault accidents, and a number of other situations. If you want more protection on the road, these coverages are worth considering.
If you have a loan or lease your vehicle, your lender may require you to buy full-coverage insurance. In South Dakota, the average premium for full coverage is $138 per month. Despite the higher rates for this coverage type, several car insurers offer full coverage for close to the average price of liability-only policies in the Mount Rushmore State.
This chart highlights the cheapest full-coverage insurance companies in South Dakota, according to Compare.com data.
Average Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest Car Insurance for Teen Drivers: State Farm
Compared to older, more experienced drivers, teens between the ages of 16 and 19 are more likely to get into car accidents, according to the U.S. Centers for Disease Control and Prevention (CDC).[5] That increased risk leads to teens facing the highest car insurance costs of any age group.
Teen drivers in South Dakota pay an average of $206 per month for car insurance, but it’s still possible to find affordable coverage if you’re a younger driver.
Here’s an overview of the cheapest car insurance companies in South Dakota for teens and young drivers, according to Compare.com data.
Average Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Rates in South Dakota start at $38 per month.
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Cheapest Car Insurance for Senior Drivers: State Farm
Seniors usually pay the cheapest car insurance coverage of any age group. This is due to decades of driving experience and commitment to responsible driving. An older adult in South Dakota pays an average of $88 per month for car insurance.
Even with these low average premiums, you still have a good chance of finding a better deal from a number of insurers. Here are five of the cheapest car insurance companies in South Dakota, according to Compare.com data.
Average Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Cheapest Car Insurance for Drivers by Driving Record
If you have an incident on your driving record — such as a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction — it can cause your rates to go up the next time your policy renews. Insurance companies view drivers with an incident as a higher risk, so they raise rates to offset the risk that you might file another claim.
In the table below, you can see the cheapest car insurance companies in South Dakota for people with a recent ticket, at-fault accident, or DUI, according to Compare.com data.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company | Average Monthly Premium |
|---|---|
| State Farm | $48 |
| Farmers | $55 |
| Auto-Owners | $57 |
| American Family | $60 |
| USAA | $62 |
| Direct Auto | $78 |
| GEICO | $80 |
| Allstate | $82 |
| Bristol West | $82 |
| Safeco | $93 |
| Nationwide | $101 |
| Dairyland | $102 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company | Average Monthly Premium |
|---|---|
| State Farm | $49 |
| Farmers | $56 |
| Auto-Owners | $57 |
| American Family | $61 |
| USAA | $63 |
| GEICO | $78 |
| Allstate | $83 |
| Direct Auto | $84 |
| Bristol West | $85 |
| Safeco | $97 |
| Nationwide | $103 |
| Dairyland | $106 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company | Average Monthly Premium |
|---|---|
| State Farm | $54 |
| Farmers | $61 |
| Auto-Owners | $62 |
| American Family | $65 |
| USAA | $68 |
| GEICO | $85 |
| Direct Auto | $88 |
| Allstate | $89 |
| Bristol West | $92 |
| Safeco | $106 |
| Nationwide | $111 |
| Dairyland | $115 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest Car Insurance for Drivers by Credit
In South Dakota, some car insurance companies use credit-based insurance scores to help determine rates. Research has shown that drivers with higher credit scores are less likely to file a claim. As a result, these drivers often pay cheaper premiums.[6]
Nationally, drivers with poor credit pay 20% more than those with excellent credit scores, according to our data. The average premium for South Dakota residents with poor credit is $116 per month, according to Compare.com data. South Dakota drivers with excellent credit pay a monthly average of $56 for car insurance.
Here's an overview of the cheapest car insurance companies for both excellent and poor credit in South Dakota, according to our data.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company | Average Monthly Premium |
|---|---|
| State Farm | $33 |
| Auto-Owners | $36 |
| Farmers | $38 |
| American Family | $41 |
| USAA | $44 |
| GEICO | $51 |
| Direct Auto | $56 |
| Allstate | $57 |
| Bristol West | $60 |
| Safeco | $64 |
| Nationwide | $71 |
| Dairyland | $73 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company | Average Monthly Premium |
|---|---|
| Farmers | $51 |
| State Farm | $53 |
| American Family | $53 |
| USAA | $57 |
| Auto-Owners | $63 |
| GEICO | $73 |
| Direct Auto | $74 |
| Allstate | $75 |
| Bristol West | $78 |
| Safeco | $84 |
| Nationwide | $93 |
| Dairyland | $97 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to Get the Cheapest Car Insurance in South Dakota
)
If you live in South Dakota, here are some things you can do to get the most affordable car insurance for your situation:
Compare quotes. Shop around and compare quotes from three to five different insurance companies once or twice per year to make sure you’re still getting the best deal on your policy.
Ask about discounts. Most insurers offer discounts to help drivers save, such as bundling discounts, auto-pay discounts, and loyalty discounts. Ask your insurance agent which discounts you qualify for.
Keep a clean driving record. People with clean driving records typically pay the lowest rates. Practicing safe driving habits can help keep your policy affordable.
Raise your deductible. Increasing your deductible amount can lower your monthly premiums. Just make sure you’re comfortable paying the higher deductible if you need to file a claim.
Install safety features. Equipping your car with safety features, such as anti-theft systems and anti-lock brakes, can score you a discount.
Our Picks for the Best Auto Insurance in South Dakota
No single car insurance insurer is the best option for every driver. Factors like your age, ZIP code, driving history, and credit history all play a role in what you pay for coverage.
To help you with your search, we did the heavy lifting and uncovered the best car insurance companies in South Dakota for various driver profiles. We chose these companies based on average rates, coverage levels, customer reviews, financial strength ratings, and more.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
3.9
A solid optionBased on 28 verified guest reviews and ratings
How drivers feel about Safeco Insurance
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Safeco Insurance
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (13)
Edward
Verified Review
Many Options
Reviewed in Wisconsin on August 2025
About the same as other websites.
S
Verified Review
Good
Reviewed in Oregon on February 2025
The price became unaffordable.
Charlene
Verified Review
Felt Like I Was Being Robbed
Reviewed in Texas on January 2025
I didn't like the middleman raising the price on the policy.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
621NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Safeco offers standard car insurance coverages and a variety of add-ons, such as rental car reimbursement and 24-hour roadside assistance. Plus, if you don’t file any claims over six months, you’ll receive a check for 2.5% of your premium.
Independent agents in Brookings, Madison, Dell Rapids, and other parts of South Dakota can help you home in on the ideal coverage for your particular situation.
Pros
Online quotes available
Offers a diminishing deductible
RightTrack telematics program
Cons
Above-average number of customer complaints
Poor rating on Trustpilot
Must work with an agent to finalize coverage
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $171/mo |
How drivers feel about Bristol West Insurance
Customers appreciate the competitive pricing and overall service but dislike the inflexible payment schedule and poor customer service communication.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Bristol West Insurance
Customers appreciate the competitive pricing and overall service but dislike the inflexible payment schedule and poor customer service communication.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (7)
Rubina
Verified Review
Great
Reviewed in Florida on May 2025
Be patient; the wait time might be long.
Carol
Verified Review
Poor
Reviewed in Florida on May 2025
This company leaves all accident coverage up to you, including getting a body shop and arranging a rental car. Their personnel are never at their desks or answering phones. Everything is done online, which is okay for some people, but I am old school and wish for paper bills and such. However, I would be charged extra for paper. I don't understand.
Teri
Verified Review
No Explanation Given
Reviewed in Arizona on February 2025
The representative couldn't understand the question I was asking and refused to let me speak with a supervisor or a more experienced representative.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.16AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Bristol West advertises a variety of optional coverages in addition to liability insurance and other standard plans. With permissive use coverage, you can include another driver in your auto policy as long as you let them use your car.
The car insurance company also offers rental car reimbursement and physical damage coverage of up to $500 for trailers. You may download the mobile app or work with a local agent in South Dakota to learn more about coverage options and file claims.
Pros
Offers rideshare insurance
Flexible payment options
Files SR-22 forms for high-risk drivers
Cons
Limited discount opportunities
No telematics program
Higher premiums for drivers with clean records
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
4.1
Best choiceBased on 110 verified guest reviews and ratings
How drivers feel about Farmers Insurance
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Farmers Insurance
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (57)
Evelyn
Verified Review
Looking for a new insurance company
Reviewed in Pennsylvania on October 2025
Not happy with their rates. We have never had a claim, ever, and they raised my rate again.
Gediminas
Verified Review
Good, but Confusing Pricing
Reviewed in Georgia on August 2025
Overall, very good, but it costs more to limit coverage on an unused vehicle than to cover it. ???
Eugenia
Verified Review
Farmers was there for me when I needed help!
Reviewed in Georgia on August 2025
Communication wasn’t the greatest sometimes. Rates were competitive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Farmers makes it easy for you to save on car insurance with its long list of discount opportunities, including homeowner, good student, anti-theft device, and affinity discounts. Plus, if you enroll in the FairMile pay-per-mile program or Signal telematics program and prove you’re a responsible driver, you can save even more on your coverage.
Pros
Offers accident forgiveness
Local agents in South Dakota
Advertises a glass deductible
Cons
Below-average customer satisfaction score
Doesn’t offer 24/7 customer service
Poor reviews on Trustpilot
Find the Best Company for You
Local rates start as low as $36 per month.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
South Dakota Auto Insurance FAQs
Below, you’ll find the answers to several common questions about car insurance policies in South Dakota.
How much is car insurance in South Dakota?
The overall average cost of an auto policy in South Dakota is $99 per month, according to Compare.com data. On average, drivers in South Dakota pay $60 per month for a liability-only policy and $138 for full coverage.
What’s the cheapest auto insurance company in South Dakota?
State Farm is the cheapest car insurance company in South Dakota. Its monthly rates average $38 for a liability-only policy, according to Compare.com data.
What’s the best car insurance company in South Dakota?
No single car insurance company is the “best” for every South Dakota driver, because everyone has different coverage needs. But we found that Bristol West, Farmers, and Safeco offer some of the best coverage options in South Dakota.
Is car insurance in South Dakota expensive?
A number of factors, including your address, ZIP code, age, and driving record, will determine your car insurance costs in South Dakota. But the average monthly car insurance rate in South Dakota is $99, which is lower than the national average rate of $137.
Is minimum coverage enough in South Dakota?
It depends on your situation. But in most cases, insurance experts recommend buying a car insurance policy with more than just the minimum coverage amounts.
State-minimum coverage won’t cover your injuries or damage to your vehicle if you’re at fault in an accident; it only pays for other people’s injuries. And if you cause injuries that exceed your liability policy limits, you’ll have to pay the difference out of pocket.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
- United States Census Bureau. "QuickFacts South Dakota."
- South Dakota Department of Labor & Regulation. "Automobile Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How much auto coverage do I need?."
- U.S. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
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)
Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.