Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,526 per year.
This comprehensive guide to buying car insurance for South Dakota drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in South Dakota works and how much insurance you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in South Dakota, at $1,526 per year.
- In South Dakota, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in South Dakota costs around $307 annually for limits of 25/50/25, while liability-only coverage costs $338 per year for limits of 50/100/50.
- In South Dakota, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 35%, a DUI raising rates by 85%, and an at-fault accident by up to 43%.
How much is car insurance in South Dakota?
CarInsurance.com data found that drivers in South Dakota pay $190 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in South Dakota by coverage level
Car insurance costs in South Dakota can differ based on the coverage limit. To legally drive, South Dakota residents must adhere to the minimum liability limits of 25/50/25.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in South Dakota. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in South Dakota for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $26 | $307 |
| Liability Only – 50/100/50 BI/PD | $28 | $338 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $190 | $2,280 |
State minimum car insurance in South Dakota
South Dakota’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
In South Dakota, you can get state minimum car insurance for $307 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in South Dakota must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in South Dakota
The average cost of liability-only insurance in South Dakota is $338 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in South Dakota
In South Dakota, you can expect to pay around $2,280 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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Calculate the cost of car insurance in South Dakota
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
This means that residents in higher-risk neighborhoods in South Dakota have to bear greater financial burdens than those in areas with lower risks.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
South Dakota Car Insurance Rates by ZIP Code
Estimate car insurance in South Dakota by car model
South Dakota car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in South Dakota.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in South Dakota
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Car insurance companies know teen drivers are less experienced and riskier to insure. South Dakota drivers aged 30 to 60 have the lowest average auto insurance rates at $2,190 annually.
Drivers aged 16-19 pay $4,138 more for car insurance than South Dakota drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,328 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,245 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,190 annually in South Dakota.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,994 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in South Dakota
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in South Dakota can increase your premiums by up to 85% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in South Dakota, you’ll likely see an increase in your car insurance premium by up to 35% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 35% increase
- DUI conviction: 85% increase
- At-fault accident (bodily injury and property damage): 43% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in South Dakota for high-risk drivers
High-risk drivers in South Dakota pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $2,273 |
| Nationwide | $2,555 |
| USAA | $2,640 |
| Allstate | $3,025 |
| Farmers | $3,040 |
| Auto-Owners | $3,518 |
| Progressive | $3,907 |
| Geico | $3,950 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in South Dakota
In South Dakota, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in South Dakota by getting quotes from multiple insurance providers and comparing them.
Below are the details of South Dakota car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $297 | $305 | $1,526 |
| Farmers Mut Ins Co of NE | $237 | $260 | $1,989 |
| Allstate | $453 | $484 | $2,070 |
| State Farm | $285 | $329 | $2,096 |
| Farmers | $464 | $516 | $2,207 |
| Geico | $223 | $269 | $2,384 |
| Auto-Owners | $257 | $260 | $2,566 |
| Iowa Farm Bureau | $377 | $403 | $2,736 |
| North Star Mutual | $244 | $285 | $2,744 |
| Progressive | $335 | $372 | $3,163 |
| USAA | $193 | $229 | $1,780 |
Car insurance rates by city in South Dakota
Oglala is South Dakota’s most expensive city for car insurance at an average cost of $2,871 annually. Brookings is the state’s least expensive city, with an average car insurance rate of $1,916 annually.
Car insurance premiums differ across cities in South Dakota and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in South Dakota.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $1,450 |
| USAA | $1,599 |
| State Farm | $1,810 |
| Allstate | $1,821 |
| Farmers Mutual of Nebraska | $1,842 |
| Farmers | $2,008 |
| Geico | $2,114 |
| Auto-Owners | $2,255 |
| Iowa Farm Bureau | $2,349 |
| North Star Mutual | $2,468 |
| Progressive | $2,705 |
How much does car insurance cost in South Dakota per month?
The average cost of a full-coverage car insurance policy in South Dakota costs $190 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $26 |
| Liability Only – 50/100/50 BI/PD | $28 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $190 |
Final thoughts on choosing car insurance in South Dakota
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in South Dakota. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of South Dakota