Average cost of car insurance in South Dakota

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The average cost of car insurance in South Dakota is $1,642 per year for full coverage and $275 per year for minimum coverage. Although premiums are generally lower in South Dakota than they are in the United States as a whole, car insurance rates are determined by using a number of factors, so your own premium will likely be different from the state average.

Using Quadrant Information Services, Bankrate obtained up-to-date premium information from numerous companies and analyzed the average car insurance rates in South Dakota by company, city, age and driving history. This information may help you understand how various factors impact the cost of your auto insurance.

How much does car insurance cost in South Dakota?

Auto insurance in South Dakota costs, on average, $275 annually for minimum coverage and $1,642 annually for full coverage. The average minimum coverage car insurance rates in South Dakota are much cheaper than the national average, which is $565 per year. However, the average full coverage premium in South Dakota is roughly in line with the national annual average full coverage premium of $1,674 per year.

There are many factors that influence auto insurance premiums and the state you live in is just one of them. Your age, the company you choose and even your credit score can all have an impact on the price of your car insurance.

South Dakota car insurance rates by company

Auto insurance companies in South Dakota each have their own rating system, which means that every company will likely charge a different price for the same coverage. If you are looking for cheap auto insurance coverage, it could be beneficial to get quotes from several carriers. The table below illustrates how prices can vary between companies.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $424 $1,785
American Family $376 $1,070
Auto-Owners $270 $2,241
Farmers $251 $1,272
Farmers Mutual of Nebraska $172 $1,086
Iowa Farm Bureau $334 $1,933
North Star Mutual $214 $1,775
Progressive $257 $1,655
State Farm $226 $1,242
USAA $188 $1,337
Western National $323 $2,168

South Dakota car insurance rates by city

Even within a state, your city and ZIP code can influence the price of your auto insurance. This may be because living in some areas can make you more likely to get into an accident or have your vehicle stolen. Below are the 20 most populated cities in South Dakota. You can see the average annual premium for each city and how much that premium varies from the South Dakota average premium.

City Average annual premium for full coverage % difference from state average annual premium
Sioux Falls $1,446 -12%
Rapid City $1,767 8%
Aberdeen $1,428 -13%
Brookings $1,378 -16%
Watertown $1,403 -15%
Mitchell $1,495 -9%
Yankton $1,510 -8%
Pierre $1,668 2%
Huron $1,517 -8%
Rapid Valley $1,745 6%
Vermillion $1,400 -15%
Brandon $1,411 -14%
Spearfish $1,859 13%
Belle Fourche $1,855 13%
Sturgis $1,858 13%
Madison $1,426 -13%
Colonial Pine Hills $1,810 10%
Harrisburg $1,432 -13%
Beresford $1,403 -15%
Tea $1,383 -16%

South Dakota car insurance rates by age

Average car insurance rates in South Dakota are also partly calculated based on your age. Insurance companies typically view younger drivers as more high-risk because they have less experience. Carriers charge younger drivers a higher premium to compensate for this risk.

Age Average annual premium in South Dakota
Age 16* $1,535
Age 18 $4,505
Age 20 $3,218
Age 25 $2,029
Age 30 $1,820
Age 40 $1,749
Age 50 $1,565
Age 60 $1,489
Age 70 $1,534

*16-year-old added to their parents’ policy

Premiums tend to decrease as you get older and gain more experience behind the wheel, but can start to increase again around age 70. This is because older drivers may once again be at a higher risk of causing accidents.

South Dakota car insurance rates by driving record

As with any state, car insurance rates in South Dakota are impacted by your driving history. If you get a speeding ticket, cause an accident or have a DUI on your record, you are likely going to pay more for car insurance. Auto insurance companies generally view these incidents as indicators that you could cause accidents in the future.

Driving incident Average annual full coverage premium in South Dakota % increase in average annual premium
Speeding ticket $1,921 17%
Accident $2,078 27%
DUI $2,708 65%

How to save on car insurance in South Dakota

South Dakota auto insurance rates are in line with the average premiums across the country, but there are still ways to save. You may want to consider:

  • Comparing providers: Since every company uses a different rating system to determine your premium, comparing the same coverage with multiple companies could help you to find the coverage you are looking for at a lower price.
  • Utilizing discounts: Most companies offer discounts to qualifying customers. Taking advantage of as many discounts as you qualify for might help you lower the cost of your insurance.
  • Increase deductible: Your deductible is the amount that you pay out of pocket if you file a claim for damage to your vehicle. If you have full coverage, your auto insurance policy has two deductibles, one for your collision coverage and one for your comprehensive coverage. Your collision deductible is generally going to have a bigger impact on your premium. Increasing your deductible typically means your premium will go down. Since you do have to pay this amount out of pocket if you file a claim for damage to your car, choose a level that you are comfortable paying.
  • Buying a different car: Although not the most practical option, the type of car you drive has a large impact on your auto insurance premium. Getting quotes for different types of cars may help you find an option that will cost less to insure.

You might also save on your auto insurance by choosing coverages that are appropriate for your situation, maintaining a clean driving record and improving your credit score. If you are unsure of the ways to save money with your particular company, talking to an agent might be helpful.

Frequently asked questions

How do I switch insurance companies?

Switching insurance providers is fairly easy. Once you have decided what company to go with, a representative from that company will likely walk you through the steps to get your policy started. Once you know what date and time your new policy is effective, you can contact your old company to cancel your current policy.

How much is car insurance in South Dakota per month?

The average monthly premium for car insurance in South Dakota is just under $23 for minimum coverage and just over $136 for full coverage. The price you pay will depend on your unique rating factors.

How should I choose a provider?

Everyone has different needs when it comes to car insurance. For some, finding a cheap provider may be the biggest concern, while others want a company that has high customer satisfaction scores or offers certain speciality coverages. To find the best insurance company for you, you might want to determine what you want from your company and get quotes from several carriers.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.