Car insurance costs in South Dakota vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in South Dakota at $1,526 annually.
We’ve compiled this detailed guide to help you choose the right car insurance in South Dakota. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
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, costing $1,526 per year.
- In South Dakota, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in South Dakota costs $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?
According to CarInsurance.com data, drivers in South Dakota pay about $190 per month 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 are the South Dakota car insurance costs for three 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 be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in South Dakota
Liability-only car insurance costs $338 in South Dakota for coverage limits of 50/100/50, according to CarInsurance.com data.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in South Dakota
The average annual premium in South Dakota is $2,280 for a full coverage policy with 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.
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.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in South Dakota pay more for premiums than those in lower-risk areas.
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
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in South Dakota by car model
In South Dakota, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
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.
Car insurance for drivers aged 16-19 costs $4,138 more annually than South Dakota drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,190 per year in South Dakota.
- For senior drivers: Drivers age 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.
If you receive a speeding ticket in South Dakota, be prepared for your car insurance rates to rise by up to 35% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in South Dakota following 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, comparing quotes can still help you save money.
Car insurance cost in South Dakota for high-risk drivers
In South Dakota, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
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
Explore car insurance costs in your neighboring states
Compare car insurance quotes in South Dakota
In South Dakota, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Compare the best car insurance options in South Dakota by getting quotes from different insurance companies.
In the table below, see an overview of various car insurance companies in South Dakota, along with their average 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 the priciest city in South Dakota for car insurance, costing an average of $2,871 annually. On the other hand, Brookings is the most affordable city, where drivers pay an average of $1,916 per year for car insurance.
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.
The table below shows the average annual car insurance premiums for South Dakota’s largest cities.
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?
Car insurance in South Dakota costs an average of $190 a month for a full coverage policy with 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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
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