- How much is car insurance in South Dakota?
- South Dakota car insurance rates by company
- South Dakota car insurance costs by coverage level
- South Dakota car insurance by driver profile
- South Dakota car insurance rates by age group
- How much does car insurance cost in South Dakota per month?
- South Dakota car insurance discounts
- Car insurance requirements in South Dakota
- Car insurance rates in South Dakota by model year
- Compare auto insurance rates by city in South Dakota
- Car insurance premium trends in South Dakota
- Methodology
- Compare South Dakota car insurance rates with other states
How much is car insurance in South Dakota?
The average cost of full coverage car insurance in South Dakota is $2,280 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
South Dakota drivers who choose to carry only the minimum car insurance will pay $307 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $2,280 |
| Average monthly premium | $190 |
South Dakota car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in South Dakota can differ greatly from one company to another.
On average, GEICO has the lowest car insurance rates in South Dakota. The table below shows average car insurance rates in South Dakota from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| GEICO | $223 | $269 | $2,384 |
| Farmers Mutual of Nebraska | $237 | $260 | $1,989 |
| North Star Mutual | $244 | $285 | $2,744 |
| Auto-Owners | $257 | $260 | $2,566 |
| State Farm | $285 | $329 | $2,096 |
| Nationwide | $297 | $305 | $1,526 |
| Progressive | $335 | $372 | $3,163 |
| Iowa Farm Bureau | $377 | $403 | $2,736 |
| Allstate | $453 | $484 | $2,070 |
| Farmers | $464 | $516 | $2,207 |
| USAA | $193 | $229 | $1,780 |
South Dakota car insurance costs by coverage level
The cheapest option in South Dakota is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.
Check out South Dakota car insurance costs by coverage level below.
| State minimum car insurance | $307 |
| Liability-only car insurance | $338 |
| Full coverage car insurance | $2,280 |
South Dakota car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.
In South Dakota, drivers with Bad Credit pay the highest rates. This table shows average car insurance rates in South Dakota for other driver profiles.;
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $2,280 | $3,189 | $909 | 40% |
| Bad credit | $2,280 | $5,041 | $2,761 | 121% |
| Careless driving | $2,280 | $2,966 | $686 | 30% |
| Claims | $2,280 | $2,371 | $91 | 4% |
| DUI | $2,280 | $3,927 | $1,647 | 72% |
| Reckless driving | $2,280 | $3,605 | $1,325 | 58% |
| Speeding | $2,280 | $2,776 | $496 | 22% |
| Texting ticket | $2,280 | $2,651 | $371 | 16% |
South Dakota car insurance rates by age group
Age has a big effect on car insurance rates. In South Dakota, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in South Dakota based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $6,328 |
| Young Adults (20-24) | $3,371 |
| Adults (25-60) | $2,244 |
| Seniors (65-75) | $1,994 |
How much does car insurance cost in South Dakota per month?
The average monthly cost of car insurance in South Dakota depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $26 |
| Liability Only - 50/100/50 BI/PD | $28 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $190 |
South Dakota car insurance discounts
Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in South Dakota.
Check out the available car insurance discounts in South Dakota below and see how much you can save on average.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,887 | $8 |
| Anti-Theft Device | $1,895 | $1,819 | $76 |
| Daily Commute | $1,895 | $1,667 | $228 |
| Days Advanced Purchase | $1,895 | $1,752 | $143 |
| Days Per Week Driven | $1,895 | $1,721 | $174 |
| Education | $1,895 | $1,775 | $120 |
| Electronic Funds Transfer | $1,895 | $1,817 | $78 |
| Homeowner | $1,895 | $1,820 | $75 |
| Lower Annual Mileage | $1,895 | $1,793 | $102 |
| Loyalty - Years Renewal With Company | $1,895 | $1,707 | $188 |
| Marital Status | $1,895 | $1,756 | $139 |
| Multi Policy | $1,895 | $1,728 | $167 |
| Paperless/Electornic Documents | $1,895 | $1,791 | $104 |
| Payment Type | $1,895 | $1,747 | $148 |
| Primary Use | $1,895 | $1,670 | $225 |
| Profession | $1,895 | $1,634 | $261 |
| Safety Devices | $1,895 | $1,845 | $50 |
| Telematics | $1,895 | $1,649 | $246 |
| Years Insured | $1,895 | $1,514 | $381 |
| Years Licensed | $1,895 | $1,459 | $436 |
Car insurance requirements in South Dakota
South Dakota requires drivers to have a minimum amount of car insurance, including:
- 25/50/25 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by South Dakota is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State minimum requirements | 25/50/25 |
| State minimum car insurance | $307 |
| Liability-only car insurance | $338 |
| Full coverage car insurance | $2,280 |
Car insurance rates in South Dakota by model year
The vehicle you drive also affects South Dakota car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect South Dakota car insurance rates below.
| Company | Style | Average annual premium |
|---|---|---|
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $1,415 |
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,748 |
| Farmers | 2WD 4 Door Sedan Automatic Turbo | $2,261 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,402 |
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $2,755 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $4,219 |
Compare auto insurance rates by city in South Dakota
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in South Dakota will impact what you pay. Below, we've gathered South Dakota car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Arlington | $2,038 |
Bonesteel | $2,486 |
Rapid City | $2,497 |
Sioux Falls | $1,997 |
Car insurance premium trends in South Dakota
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in South Dakota to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare South Dakota car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- South Dakota car insurance laws and requirements: What is changing in 2025
- South Dakota DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in South Dakota
- SR-22 insurance in South Dakota
- Non-owner car insurance in South Dakota: Best and cheapest companies
- South Dakota gap insurance: Everything you need to know
- Low-income car insurance in South Dakota: What you need to know
- South Dakota car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in South Dakota
- Cheapest home and auto insurance bundle in South Dakota
