The type of vehicle you own in South Dakota can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in South Dakota for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in South Dakota
The Honda HR-V and Honda CR-V are the cheapest vehicles to insure in South Dakota, closely followed by the Hyundai Venue and Mini Cooper Electric, according to our data analysis.
Below is a list of the cheapest vehicles to insure in South Dakota and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $1,014 |
| Honda CR-V | $1,053 |
| Hyundai Venue | $1,063 |
| Mini Cooper Electric | $1,091 |
| Chevrolet Trax | $1,096 |
| Toyota Corolla Cross | $1,109 |
| Volkswagen Tiguan | $1,110 |
| Chevrolet TrailBlazer | $1,115 |
| Chevrolet Express | $1,115 |
| Hyundai Kona | $1,123 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in South Dakota
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in South Dakota
According to our data, the Nissan Versa is the cheapest sedan to insure, with an average six-month full coverage premium of $1,213. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Sentra ranks second on our list with an insurance cost of $1,253, followed by Subaru Legacy, which costs $1,275 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in South Dakota and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Nissan Versa | $1,213 |
| Nissan Sentra | $1,253 |
| Subaru Legacy | $1,275 |
| Volkswagen Jetta | $1,280 |
| Honda Civic Sedan | $1,285 |
| Kia Forte | $1,289 |
| Toyota Corolla | $1,324 |
| Hyundai Elantra | $1,381 |
| Volkswagen Jetta GLI | $1,384 |
| Honda Accord | $1,396 |
| Toyota Camry | $1,424 |
| Chevrolet Malibu | $1,445 |
| Nissan Altima | $1,446 |
| Mazda 3 Sedan | $1,454 |
| Mitsubishi Mirage G4 | $1,471 |
| Kia K5 | $1,532 |
| Hyundai Sonata | $1,587 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in South Dakota
The Honda HR-V and Honda CR-V have the lowest car insurance rates, at $1,014 and $1,053, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $1,014 |
| Honda CR-V | $1,053 |
| Chevrolet Trax | $1,096 |
| Toyota Corolla Cross | $1,109 |
| Volkswagen Tiguan | $1,110 |
| Chevrolet TrailBlazer | $1,115 |
| Hyundai Kona | $1,123 |
| Kia Sportage | $1,137 |
| Hyundai Tucson | $1,146 |
| Volkswagen Taos | $1,149 |
| Kia Seltos | $1,173 |
| Honda Pilot | $1,174 |
| Chevrolet Equinox | $1,175 |
| Toyota RAV4 | $1,189 |
| Mazda CX-30 | $1,191 |
| Mazda CX-5 | $1,193 |
| Nissan Kicks | $1,229 |
| Jeep Wrangler | $1,231 |
| Honda Passport | $1,241 |
| Ford Escape | $1,250 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in South Dakota
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,286.
The table below compares car insurance rates for different sports cars in South Dakota
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,286 |
| Honda Civic Si | $1,396 |
| Chevrolet Camaro | $1,572 |
| Ford Mustang | $1,767 |
| Toyota GR86 | $1,863 |
| Subaru BRZ | $1,886 |
| Toyota GR Supra | $1,965 |
| Honda Civic Type R | $1,979 |
| Toyota GR Corolla | $1,990 |
| Subaru WRX | $2,023 |
| BMW Z4 | $2,104 |
| Chevrolet Camaro ZL1 | $2,207 |
| Porsche 718 Boxster | $2,236 |
| Chevrolet Corvette | $2,296 |
| Nissan Z | $2,297 |
| Porsche 718 Cayman | $2,419 |
| Chevrolet Corvette Z06 | $2,796 |
| Jaguar F-Type | $3,174 |
| Porsche 911 | $3,471 |
| Porsche 911 GT3 | $3,736 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in South Dakota
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,175 for a six-month full coverage policy. The Volvo XC40 and Acura MDX also have affordable insurance rates at $1,298 and $1,361, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,175 |
| Volvo XC40 | $1,298 |
| Acura MDX | $1,361 |
| Audi Q3 | $1,403 |
| Cadillac XT4 | $1,421 |
| Cadillac XT5 | $1,481 |
| Lincoln Corsair | $1,484 |
| Acura Integra | $1,505 |
| Acura TLX | $1,507 |
| Mercedes-Benz GLA-Class | $1,528 |
| BMW X3 | $1,539 |
| Alfa-Romeo Tonale | $1,556 |
| Volvo XC60 | $1,563 |
| Lexus RX | $1,571 |
| Lexus NX | $1,597 |
| BMW X1 | $1,611 |
| Land Rover Discovery Sport | $1,640 |
| BMW X2 | $1,653 |
| Mercedes-Benz GLB-Class | $1,655 |
| Audi A3 | $1,663 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in South Dakota
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,985 a year or $332 a month.
Below is a list of the most affordable EVs to insure in South Dakota for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,091 |
| Kia Niro EV | $1,235 |
| Hyundai Kona Electric | $1,244 |
| Volkswagen ID.4 | $1,290 |
| Nissan Leaf | $1,302 |
| Chevrolet Silverado EV | $1,543 |
| Audi Q4 e-tron | $1,553 |
| Hyundai Ioniq 5 | $1,610 |
| Ford F-150 Lightning | $1,620 |
| Subaru Solterra | $1,657 |
| Toyota bZ4X | $1,713 |
| Volvo XC40 Recharge | $1,739 |
| Ford Mustang Mach-E | $1,745 |
| Kia EV6 | $1,746 |
| Mercedes-Benz EQB | $1,762 |
| Kia EV9 | $1,822 |
| Hyundai Ioniq 6 | $1,823 |
| Chevrolet Blazer EV | $1,841 |
| Toyota Mirai | $1,851 |
| Cadillac LYRIQ | $1,896 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in South Dakota
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda CR-V costs an average of $3,871 to insure for an 18-year-old driver, whereas a Honda HR-V costs an average of $3,884 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in South Dakota?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,091 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,235 for the Kia Niro EV for the same coverage.
Which SUVs are the cheapest to insure in South Dakota?
The Honda HR-V is one of the cheapest SUVs to insure in South Dakota, with an average cost of $1,014 for a six-month car insurance plan. The Honda CR-V and Chevrolet Trax also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in South Dakota?
The Honda CR-V, Honda HR-V, Mini Cooper Electric and Chevrolet Express are some of the cheapest cars to insure for an 18-year-old driver in South Dakota. On the other hand, Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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