Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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.

Updated Mar 20, 2023
Pay less for auto insurance
A better rate is around the corner. See how much you could save in 3 minutes or less.
Location-Icon
Lock Secure Your information is secure
Badge No spam. No fees. No surprises.
Compare quotes from reliable carriers
+ MORE
User
Provide some info to get offers
We only ask for info that can impact your rate so we can share accurate and personalized offers.
Insurance Auto
Select your policy
Compare and move forward with as many offers as you want from a list of trusted carriers.
Congrats
Settle your rate and policy details
Once you’ve decided on a carrier, wrap up the process online or on the phone with a trusted agent. 

What would you like to do today?

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
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Badge No spam. No fees. No surprises.
Caret Left Back
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Choose from offers in
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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.

Estimate your car insurance cost in South Dakota

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret DownCaret Up
Please select age
Lock Secure Data protected by bank-level security.
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

Frequently asked questions

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X
Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Senior Editor, Insurance