- The average cost of car insurance in South Dakota is $2,280 a year or $190 per month, based on our data analysis.
- Minimum liability coverage in South Dakota costs around $307 annually for limits of 25/50/25, while liability-only coverage costs $338 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in South Dakota, costing $1,526 per year.
- 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%.
The cost of car insurance in South Dakota varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Nationwide offers the cheapest rates at $1,526 a year for full coverage.
This guide makes buying car insurance in South Dakota easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in South Dakota works and how much coverage you need.
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 budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in South Dakota based on driver profile:
- Teen drivers in South Dakota pay the most — about $527 a month or $6,328 a year.
- Young drivers in their 20s pay an average of $281 monthly or $3,371 annually, for car insurance.
- Senior drivers pay around $166 monthly or $1,994 a year.
- A speeding ticket can increase your rates to $233 monthly or $2,799 annually.
- An at-fault accident increases car insurance rates to $266 a month or $3,189 a year.
- Poor credit drivers usually see their car insurance costs increase to $420 monthly or $5,043 annually.
Average cost of auto insurance in South Dakota by coverage level
In South Dakota, the cost of car insurance can vary depending on how much coverage you purchase. South Dakota drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in South Dakota for three different coverages.
| 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.
The state minimum car insurance cost in South Dakota is $307 a year. However, this basic coverage only offers limited protection. South Dakota drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in South Dakota must purchase the minimum required car insurance to operate their vehicles on the road.
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.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in South Dakota
In South Dakota, you can expect to pay around $2,280 per year for full coverage car insurance for the 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in South Dakota
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in South Dakota pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in South Dakota
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in South Dakota
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in South Dakota pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in South Dakota
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. South Dakota drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In South Dakota, a DUI conviction lead to increased rates and you may see a rate hike of up to 85% as insurers categorize you as a high-risk 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.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
Car insurance cost in South Dakota for high-risk drivers
In South Dakota, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
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.
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 car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in South Dakota by getting quotes from different insurance companies.
Below are the details of South Dakota car insurance companies and their 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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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.
How much does car insurance cost in South Dakota per month?
The average cost of a full-coverage car insurance policy in South Dakota costs $190 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in South Dakota.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
