In South Dakota, estimating the cost of car insurance depends on factors like your age, driving history, ZIP code, and the type of vehicle you own, all of which significantly impact your rates.
With CarInsurance.com’s car insurance calculator, you can get an estimate based on your basic details for three coverage options in South Dakota: Full coverage with limits of 100/300/100, liability only with limits of 50/100/50 and state minimum coverage. Use the tool below to see your average insurance rates.
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- Car insurance calculator is a valuable tool in estimating the cost of car insurance in South Dakota.
- The average annual cost of a full coverage policy in South Dakota with liability limits of 100/300/100 is $2,280 or $190 per month.
- The minimum liability coverage in South Dakota costs around $307 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator South Dakota: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in South Dakota?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in South Dakota by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $3,805 |
| Electric | $3,399 |
| Hatchback | $2,308 |
| Hybrid | $2,778 |
| Luxury Car | $4,192 |
| Luxury SUV | $3,366 |
| Minivan | $2,260 |
| Performance SUV | $4,403 |
| Sedan | $2,483 |
| Sports Car | $4,446 |
| Station Wagon | $3,218 |
| SUV | $2,247 |
| Truck | $2,718 |
| Van | $2,031 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in South Dakota by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
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South Dakota car insurance estimates for used cars
In South Dakota, the cost to insure a used car is typically lower than for a new vehicle because its depreciation decreases the replacement cost. Insurance premiums will vary depending on the vehicle’s age, make, model and driving history, so it’s a good idea to get quotes from multiple companies to find the most affordable option.
Estimate your car insurance rates for used vehicles in South Dakota using the calculator below based on your car’s make and model.
Average insurance rates for your used car
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FAQ: How to estimate car insurance rates before buying a car in South Dakota
How much auto insurance do I need in South Dakota?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including South Dakota, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in South Dakota per month?
South Dakota car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 and cost $190 per month. For the state minimum liability, it’s $26, and $28 for a liability policy with limits of 50/100/50.
Does your age impact how much you pay for insurance in South Dakota?
In South Dakota, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
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Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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