In South Dakota, the average annual cost for full coverage car insurance is $1,189, while minimum coverage is $385. These rates are $107 and $210 less, respectively, than the national average, making them more affordable options for residents.
Average Cost of Car Insurance in South Dakota
Updated: December 23, 2024
Advertising & Editorial Disclosure
Key Takeaways
Drivers in South Dakota pay about 8% less for full coverage car insurance than the national average.
South Dakota residents enjoy lower car insurance costs, with full coverage being 8% cheaper than the national average.
The average cost of car insurance in South Dakota is $385 for minimum coverage and $1,189 for full coverage, making it one of the more affordable states.
How Much Is Car Insurance in South Dakota?
| Full Coverage | $1,189 | $1,296 | -8% |
| State Minimum Liability Only | $385 | $595 | -35% |
Read More: Average Cost of Car Insurance
South Dakota Car Insurance Rates by Coverage Level
Your choice of coverage in the Mount Rushmore State shapes your car insurance rate. Opting for higher liability limits and full coverage ups your rate, but a heftier deductible could bring your premium down. Check out the average state minimum and full coverage rates in South Dakota for various deductibles and liability limits below.
| 300/500/300 | Full Coverage | $1,478 | $500 |
| 100/300/100 | Full Coverage | $1,405 | $0 |
| State Minimum | Full Coverage | $1,350 | $500 |
| 300/500/300 | Full Coverage | $1,262 | $1,000 |
| 300/500/300 | Full Coverage | $1,221 | $1,500 |
| 100/300/100 | Full Coverage | $1,189 | $1,000 |
| 100/300/100 | Full Coverage | $1,148 | $1,500 |
| State Minimum | Full Coverage | $1,134 | $1,000 |
| State Minimum | Full Coverage | $1,093 | $1,500 |
| 300/500/300 | Liability Only | $582 | $0 |
| 100/300/100 | Liability Only | $469 | $0 |
| State Minimum | Liability Only | $385 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average South Dakota Car Insurance Cost by City
Car insurance rates in South Dakota can change due to crime, traffic, weather, and repair costs. In Sioux Falls, the annual full coverage rate is $937, which is less than the state average. Residents looking for affordable plans should compare rates. Check the table below for a detailed comparison of South Dakota city rates to the state average.
| Sioux Falls | $937 | -51% | $379 | -65% |
Average South Dakota Car Insurance Cost by Age
In South Dakota, your age can make a big difference in car insurance costs. Young drivers, like those who are 25, usually pay more because they're seen as riskier. For instance, a 25-year-old pays around 24% more for state minimum coverage and 37% more for full coverage compared to a 65-year-old.
| 25 | $1,478 | $477 |
| 40 | $1,189 | $385 |
| 65 | $1,081 | $380 |
While age usually affects the cost of car insurance, in states like California, Massachusetts, and Hawaii, your age won't change the price of your minimum coverage.
Car Insurance Costs in South Dakota for Young Drivers by Gender
Young drivers in South Dakota face higher car insurance rates due to increased accident risk. On average, drivers aged 18 to 25 pay $1,349 per year when added to a family policy, which is 34% less than an individual policy at $1,802.
Gender also influences car insurance rates for young drivers in South Dakota. Women aged 18 to 25 pay an average of $1,659 annually, which is 15% less compared to male drivers who pay $1,945. Below are the average car insurance costs for young South Dakota drivers, detailed by gender and policy type.
Car Insurance Costs in South Dakota for Young Women
In South Dakota, an 18-year-old woman's average cost for full coverage on a family car insurance policy is $1,443. Choosing an individual policy instead would raise her rate by over 50%.
| 18 | $2,924 | $1,443 | -51% |
| 19 | $2,056 | $1,562 | -24% |
| 20 | $1,839 | $1,402 | -24% |
| 21 | $1,503 | $1,158 | -23% |
| 22 | $1,390 | $1,282 | -8% |
| 23 | $1,262 | $1,184 | -6% |
| 24 | $1,199 | $1,127 | -6% |
| 25 | $1,101 | $1,045 | -5% |
Car Insurance Costs in South Dakota for Young Men
An 18-year-old male driver in South Dakota pays about $3,499 for full coverage on his own. By joining a family policy, the cost drops to $1671, saving 52% each year.
| 18 | $3,499 | $1,671 | -52% |
| 19 | $2,505 | $1,768 | -29% |
| 20 | $2,163 | $1,544 | -29% |
| 21 | $1,790 | $1,291 | -28% |
| 22 | $1,611 | $1,453 | -10% |
| 23 | $1,437 | $1,309 | -9% |
| 24 | $1,358 | $1,235 | -9% |
| 25 | $1,197 | $1,104 | -8% |
Average South Dakota Car Insurance Cost by Driving Record
In South Dakota, a traffic offense can change your car insurance cost by up to 15%. Below, we show how much more you might pay if you have an at-fault accident, DUI, or speeding ticket compared to drivers with no offenses.
| At-Fault Accident | $1,677 | -12% | $558 | -49% |
| DUI | $2,203 | 15% | $702 | -36% |
| Ticket | $1,393 | -27% | $457 | -58% |
Read More: High-Risk Car Insurance in South Dakota
Average South Dakota Car Insurance Cost by Credit Score
In South Dakota, your credit-based insurance score is a key factor in determining car insurance costs. Drivers with excellent credit may see average full coverage premiums of $990, while those with poor credit could face rates around $2,525 annually.
| Excellent | $990 | -48% | $210 | -81% |
| Good | $1,210 | -37% | $249 | -77% |
| Fair | $1,479 | -23% | $303 | -72% |
| Below Fair | $1,867 | -2% | $379 | -65% |
| Poor | $2,525 | 32% | $497 | -55% |
CREDIT SCORES AND YOUR PREMIUM
A credit score from 670 to 739 signifies financial dependability, potentially reducing insurance rates for South Dakota drivers. However, Hawaii, Massachusetts, Maryland, California, and Michigan prohibit using credit scores for insurance pricing. In North Carolina, Oregon, Washington, Utah, and Nevada, credit scores may influence rates but only in specific scenarios.
Average South Dakota Car Insurance Cost by Company
Car insurance costs can differ a lot between companies, even in the same state. For South Dakotans, American Family offers the most affordable average annual full coverage at $614. On the high end, Western National's average is $1,706, which towers over the national average.
| American Family | $614 | $243 |
| Farmers Mutual of Nebraska | $685 | $187 |
| Kemper | $796 | $276 |
| Auto-Owners Insurance Co | $1,047 | $329 |
| State Farm | $1,047 | $259 |
| Allstate | $1,103 | $626 |
| Nationwide | $1,237 | $550 |
| GEICO | $1,373 | $365 |
| Farmers | $1,484 | $627 |
| Progressive | $1,519 | $313 |
| Iowa Farm Bureau | $1,655 | $429 |
| Western National | $1,706 | $413 |
Read More: [Cheapest Car Insurance Companies in South Dakota](https://www.moneygeek.com/insurance/auto/cheapest-car-insurance-south dakota/)
Average South Dakota Car Insurance Cost by Vehicle Age
In South Dakota, newer cars have higher insurance premiums because they're worth more and cost more to fix or replace if stolen. On average, full coverage for a new model costs $1,367 a year, while a 10-year-old model is more affordable at $917 annually.
| 10-Year-Old Vehicle | $917 | $294 |
| New Model Vehicle | $1,367 | $284 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your car's worth right before any damage. For comprehensive or collision claims, insurers use ACV to determine the maximum payout for repairs or replacement, subtracting any deductible. This ensures the compensation mirrors the vehicle's fair market value.
Read More: Used Car Insurance
South Dakota Car Insurance Rates Explained
We're looking at how car insurance rates in South Dakota measure up to the national average. You'll find out if these rates are affordable and learn about the key factors that shape the costs for both full coverage and state minimum insurance.
Is Car Insurance Expensive in South Dakota?
Car insurance in South Dakota is affordable, with an average monthly cost of $99 for full coverage. It's about 8% cheaper than the national average.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in South Dakota vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
South Dakota Average Cost
Full Coverage Car Insurance
$99SD Car Insurance Is Expensive:$9 saved
This is 8% less expensive.
Why Are Car Insurance Rates Expensive in South Dakota?
Car insurance in South Dakota can be pricey because of harsh weather like severe storms and winter conditions. These events lead to more insurance claims, which drives up the cost for drivers.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in South Dakota
While average rates show how demographics and laws affect car insurance in the Mount Rushmore State, your cost depends on personal factors. Consider your driving record, car model, and minimum coverage when estimating costs.
Driving Record
A spotless driving record can lead to significant savings on car insurance. Avoid traffic violations and at-fault accidents to keep rates low.
Age and Gender
Younger drivers often face higher rates. Males, especially under 25, may pay more. Age and safe driving can lower premiums over time.
Credit History
Insurers view credit history as an indicator of risk. Work on improving your credit score for potential reductions in your car insurance rates.
Vehicle Type
Insurance costs vary by vehicle. Opt for a car with safety features and a low history of claims to achieve more affordable insurance rates.
Location Within South Dakota
Living in areas with high traffic or crime in South Dakota can increase rates. Consider the location's risk level when searching for cost-effective insurance.
Coverage Level
Higher coverage levels result in higher premiums. Balance your need for protection with what you can afford to keep insurance costs manageable.
Marital Status
Married individuals may receive lower rates due to perceived stability. If married, check with your provider about potential discounts.
State Law
South Dakota has specific insurance requirements. Ensure you have the minimum coverage to avoid penalties and find the best rates within the law.
Read More: South Dakota Car Insurance Calculator
Minimum Car Insurance in South Dakota
In South Dakota, the average cost for state minimum car insurance is $385, under the national average of $595. Choosing minimum coverage here can be more affordable compared to full coverage, given the lower liability limits. Below is a table outlining the minimum requirements for drivers in the Mount Rushmore State.
South Dakota Car Insurance Requirements
In South Dakota, you need minimum coverage auto insurance. This includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. You also need uninsured/underinsured motorist coverage at $25,000 per person and $50,000 per accident.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person. | In South Dakota, drivers must have at least $25,000 in bodily injury liability per person to cover injuries to others in an accident. |
$50,000 for bodily injury liability per accident. | The state requires $50,000 in bodily injury liability per accident, ensuring coverage for multiple injured parties. |
$25,000 for property damage liability per accident. | A minimum of $25,000 is needed for property damage liability per accident to cover damages to another person's property. |
$25,000 uninsured motorist bodily injury per person. | Uninsured motorist coverage of $25,000 per person protects you if an uninsured driver causes an accident. |
$50,000 uninsured motorist bodily injury per accident. | With $50,000 uninsured motorist bodily injury per accident, you're covered for injuries if hit by an uninsured driver. |
Read More: [State Minimum Car Insurance Requirements in South Dakota](https://www.moneygeek.com/insurance/auto/state-laws-minimum-requirements-south dakota/)
How to Lower Car Insurance Costs in South Dakota
To save on car insurance in South Dakota, compare rates, choose higher deductibles and snag discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find the cheapest car insurance in your state, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can help ensure you're paying only for the coverage you need. For example, drivers who can afford it can lower costs with increased deductibles, and low-mileage drivers can decrease costs with usage-based policies.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course, and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car that's less expensive to insure, such as one with good safety ratings, can lead to lower insurance costs in your state.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in South Dakota: Bottom Line
In South Dakota, you'll pay around $1,189 for full coverage car insurance yearly, which is less than the national average. Your rates can change based on things like your driving record and the type of car you drive. Overall, the state offers more affordable insurance options compared to many others.
South Dakota Car Insurance Rates: FAQ
Discover what affects car insurance costs in the Mount Rushmore State. Learn how to find affordable rates by comparing quotes and considering discounts. Understand the state minimum coverage requirements to make informed decisions.
What are the minimum car insurance requirements in South Dakota?
To legally drive in South Dakota, motorists must have minimum car insurance requirements that include Bodily Injury Liability at $25,000 per person and $50,000 per accident, along with Property Damage Liability of $25,000. Additionally, coverage for Uninsured/Underinsured Motorist is required at $25,000 per person and $50,000 per accident. These limits represent the cost of basic coverage in the state, ensuring that a driver can bear financial responsibility in the event of an accident.
What is the average cost of full coverage and minimum coverage auto insurance in South Dakota?
South Dakota's average annual rate for state minimum coverage is $385, significantly lower than the national average. Full coverage insurance averages $1,189 annually, also below the typical nationwide costs. Auto insurance rates can fluctuate based on individual circumstances.
What is the average cost of car insurance for a 25-year-old in South Dakota?
The average cost for full coverage car insurance for a 25-year-old in South Dakota is $1,478. In contrast, the state minimum coverage averages around $477. These rates offer a good balance between affordability and adequate insurance protection.
What are the cheapest car insurance companies in South Dakota?
South Dakota Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in South Dakota:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by South Dakota:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.