- The average cost of car insurance in South Dakota is $2,575 a year or $215 per month, based on our data analysis.
- Minimum liability coverage in South Dakota costs around $490 annually for limits of 25/50/25, while liability-only coverage costs $534 per year for limits of 50/100/50.
- Farmers Mutual of Nebraska provides the most affordable annual rates for full coverage car insurance in South Dakota, costing $1,504 per year.
- In South Dakota, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 31%, a DUI raising rates by 107%, and an at-fault accident by up to 53%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Farmers Mutual of Nebraska offers the most affordable car insurance at $1,504 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in South Dakota. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in South Dakota and how much you need.
How much is car insurance in South Dakota?
According to CarInsurance.com data, drivers in South Dakota pay about $215 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 $682 a month or $8,186 a year.
- Young drivers in their 20s pay an average of $326 monthly or $3,909 annually, for car insurance.
- Senior drivers pay around $193 monthly or $2,321 a year.
- A speeding ticket can increase your rates to $281 monthly or $3,371 annually.
- An at-fault accident increases car insurance rates to $329 a month or $3,944 a year.
- Poor credit drivers usually see their car insurance costs increase to $449 monthly or $5,386 annually.
Average cost of auto insurance in South Dakota by coverage level
In South Dakota, car insurance rates can differ depending on how much coverage you choose. Drivers in South Dakota are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in South Dakota, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in South Dakota for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $41 | $490 |
| Liability Only – 50/100/50 BI/PD | $45 | $534 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $215 | $2,575 |
State minimum car insurance in South Dakota
In South Dakota, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in South Dakota costs $490 a year but doesn’t provide much protection for drivers. South Dakota drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in South Dakota must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in South Dakota
Liability-only car insurance costs $534 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
On average, premiums for full coverage car insurance in South Dakota cost $2,575 per year 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in South Dakota
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of South Dakota have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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!
Estimate car insurance in South Dakota by car model
South Dakota car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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 $2,436 annually.
Car insurance for drivers aged 16-19 costs $5,750 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 $8,186 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,754 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,436 per year in South Dakota.
- For senior drivers: Drivers age 65 and older can expect to pay $2,321 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in South Dakota can increase your premiums by up to 107% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in South Dakota, you’ll likely see an increase in your car insurance premium by up to 31% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in South Dakota after driving incidents:
- Speeding ticket: Up to 31% increase
- DUI conviction: 107% increase
- At-fault accident (bodily injury and property damage): 53% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in South Dakota for high-risk drivers
In South Dakota, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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 |
|---|---|---|---|
| Farmers Mutual of Nebraska | $246 | $292 | $1,504 |
| Progressive | $264 | $293 | $2,270 |
| Allstate | $654 | $716 | $2,336 |
| Nationwide | $729 | $726 | $2,547 |
| State Farm | $391 | $451 | $2,551 |
| North Star Mutual | $464 | $506 | $2,812 |
| Farmers | $907 | $1,026 | $2,890 |
| Auto-Owners | $431 | $398 | $2,895 |
| GEICO | $302 | $366 | $3,061 |
| Iowa Farm Bureau | $511 | $549 | $4,212 |
Car insurance rates by city in South Dakota
Spearfish is South Dakota’s most expensive city for car insurance at an average cost of $2,657 annually. Mitchell is the state’s least expensive city, with an average car insurance rate of $2,329 annually.
Car insurance costs differ from city to city in South Dakota, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of South Dakota’s major 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 $215 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $41 |
| Liability Only – 50/100/50 BI/PD | $45 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $215 |
Final thoughts on choosing car insurance in South Dakota
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in South Dakota.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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