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Average cost of car insurance in South Dakota in 2023
South Dakotans pay an average of $1,553 for full coverage and $276 for minimum coverage — but your rate is likely to be different.
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What To Know First
Bankrate examined South Dakota auto insurance companies to see who was offering the best—and cheapest—insurance to residents of the Mount Rushmore State. Using data from Quadrant Information Services, we determined that the average annual cost of car insurance in South Dakota is $276 for minimum coverage and $1,553 for full coverage, which includes collision and comprehensive insurance.
Our insurance editorial team, which includes three licensed insurance agents, also took a careful look at other factors influencing the quality of car insurance in South Dakota, including third-party ratings for customer service and financial strength ratings, the number of coverage options and discounts and more to help you make the best decision for your car insurance needs.
- Our research indicated that Brookings was one of the cheapest cities for car insurance in South Dakota, with an average rate that was 10 percent under the state average.
- Rapid City had some of the highest rates, with an average annual cost of $1,744, 12 percent more than the state average.
- Drivers in their teens pay the most for South Dakota insurance, with 18-year-old males paying an average of $4,476 a year.
- South Dakota drivers with a DUI on their license pay an average of 66 percent more for their insurance than a driver with a clean record.
On This Page
- How much is car insurance in South Dakota?
- South Dakota car insurance rates by city
- Average car insurance costs by age and gender in South Dakota
- How does driving record impact the cost of car insurance in South Dakota?
- Car insurance rates in South Dakota by credit score
- South Dakota car insurance rates by vehicle type
- How to save on car insurance in South Dakota
- Estimate your car insurance cost
- Frequently asked questions
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How much is car insurance in South Dakota?
Auto insurance in South Dakota costs, on average, $276 annually for minimum coverage and $1,553 for full coverage. The average minimum car insurance rates in South Dakota are much cheaper than the national average, which is $622. The average full coverage premium in South Dakota is also lower than the national average of $2,014 per year.
Average minimum coverage premium in South Dakota | Average annual full coverage premium in South Dakota |
---|---|
$276 | $1,553 |
South Dakota car insurance rates by city
Many factors go into determining South Dakota car insurance rates, including the age and type of car you drive, your own age and your credit rating. Where you live also plays a major role in determining your rate. How much is car insurance in South Dakota's cities? Cities with higher crime rates or more accidents will generally see higher rates than rural areas or regions where accidents and crime are less likely. Here are the average rates of some of South Dakota's biggest cities:
South Dakota city | Average annual full coverage premium | Percentage difference from South Dakota average annual full coverage premium |
---|---|---|
Aberdeen | $1,456 | -6% |
Brookings | $1,401 | -10% |
Rapid City | $1,744 | +12% |
Sioux Falls | $1,444 | -7% |
Watertown | $1,411 | -9% |
Average car insurance costs by age and gender in South Dakota
Your age plays a role in your premium rate in all states except Massachusetts and Hawaii. Generally, young drivers will pay more than those who are older and more experienced behind the wheel. Premiums tend to decrease as you get older and gain more experience, but start to increase again around age 70. This is because older drivers may once again be at a higher risk of accidents. Gender also plays a role in most states. Statistically, men have a slightly higher risk of accidents than women, so they tend to pay higher rates to account for it. South Dakota does allow insurers to assess both age and gender when calculating premiums.
Age | Average monthly full coverage premium in South Dakota | Average annual full coverage premium in South Dakota |
---|---|---|
Age 16* | $235 | $2,814 |
Age 18 | $373 | $4,476 |
Age 20 | $263 | $3,155 |
Age 25 | $159 | $1,910 |
Age 30 | $136 | $1,629 |
Age 40 | $130 | $1,556 |
Age 50 | $118 | $1,418 |
Age 60 | $113 | $1,350 |
Age 70 | $118 | $1,416 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.
Age | Average monthly full coverage premium in South Dakota | Average annual full coverage premium in South Dakota |
---|---|---|
Age 16* | $214 | $2,562 |
Age 18 | $307 | $3,685 |
Age 20 | $220 | $2,635 |
Age 25 | $146 | $1,752 |
Age 30 | $134 | $1,607 |
Age 40 | $129 | $1,549 |
Age 50 | $117 | $1,406 |
Age 60 | $112 | $1,340 |
Age 70 | $115 | $1,380 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.
Cost considerations for young drivers in South Dakota
Young adults will typically see the highest rates for car insurance, as they are considered higher-risk by insurance companies. Note that the cheapest average rates for South Dakota drivers age 20 and under are available to those who are able to stay on their parents’ car insurance policy, while those aged 18 and older who opt to get their own policy typically see the highest rates.
Age | Average annual premium for drivers on their parents' policy in South Dakota | Average annual premium for drivers on their own policy in South Dakota |
---|---|---|
Age 16 | $2,688 | N/A* |
Age 17 | $2,591 | N/A* |
Age 18 | $2,435 | $4,081 |
Age 19 | $2,247 | $3,061 |
Age 20 | $2,180 | $2,895 |
*16- and 17-year-old drivers must be on their parents’ policy.
How does driving record impact the cost of car insurance in South Dakota?
If you are a careful driver with no infractions on your license, you are likely to be rewarded with lower car insurance rates in South Dakota. Insurers assign premiums based on whether the policyholder is likely to file claims—fewer claims equals lower rates. The average cost of car insurance in South Dakota for those with a speeding ticket, accident or DUI conviction is likely to be higher.
As you can see from the table below, even a single speeding ticket can increase your rate, and a more serious infraction, such as a DUI, will usually lead to significant increases in your premium. Keep in mind that not all insurance companies will cover you if you’ve been convicted of a DUI.
Driving incident | Average annual full coverage premium in South Dakota | Percentage increase in average annual premium |
---|---|---|
Clean driving record | $1,553 | 0% |
Speeding ticket | $1,765 | +14% |
Accident | $2,057 | +32% |
DUI | $2,575 | +66% |
Car insurance rates in South Dakota by credit score
In most states, insurers use your credit-based insurance score when calculating premiums. Someone with a poor credit score is usually considered more likely to file claims, while a person with excellent credit is statistically less likely to file claims. In South Dakota, drivers with a poor credit score can pay up to 112 percent more for car insurance than someone with good credit, which is what our base rate is modeled after.
Credit tier | Average annual full coverage premium in South Dakota | Percentage difference in average annual premium |
---|---|---|
Poor | $3,288 | +112% |
Average | $1,730 | +11% |
Good | $1,553 | 0% |
Excellent | $1,270 | -18% |
South Dakota car insurance rates by vehicle type
As you might guess, your rate will depend partly on the type of vehicle you drive. Cars that are more expensive may pay a higher premium, which is partially based on the fact that they are likely to cost more to fix if they are damaged in an accident. More inexpensive cars tend to have lower insurance costs for the same reason. Here are some sample South Dakota car insurance premiums for some common car models:
Vehicle | Average annual full coverage premium in South Dakota |
---|---|
Toyota Camry | $1,553 |
Ford F-150 | $1,337 |
Honda Odyssey | $1,342 |
BMW 330i | $2,047 |
Toyota Prius | $1,692 |
How to save on car insurance in South Dakota
South Dakota drivers don't want to spend more on their car insurance than they have to, and with a little effort, they can probably save money on their premiums. Although the average car insurance cost in South Dakota is less than the national average, your own rate could be even lower if you consider the following factors to help you save:
- Comparing providers: Since every company uses a different rating system to determine your premium, comparing the same coverage with multiple South Dakota insurance 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.
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