Car insurance premiums in South Dakota can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in South Dakota by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in South Dakota
In South Dakota, Honda HR-V and Honda CR-V have the cheapest car insurance rates, followed by Hyundai Venue and Mini Cooper Electric, based on our research.
The table below highlights the most affordable vehicles to insure in South Dakota, including 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 costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in South Dakota
Based on our data analysis, the Nissan Versa is the cheapest sedan to insure, with an average cost of $1,213 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Nissan Sentra, which costs $1,253, and the Subaru Legacy, which costs $1,275 to insure.
Below, you’ll find the most affordable sedans to insure in South Dakota and their six-month full coverage car insurance premiums.
| 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
In South Dakota, the Honda HR-V and Honda CR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,014 and $1,053 respectively. See the table below for the complete list of affordable SUVs to insure.
| 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
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $1,286.
See the table below for average full coverage car insurance rates of different sports cars.
| 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 also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,175 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,298) and Acura MDX ($1,361).
The table below shows the full coverage six-month average premiums for different luxury vehicles 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.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs 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?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,091 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,235, according to our analysis.
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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