Average Car Insurance Cost in South Dakota (Annual and monthly Rates)

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If you are looking for auto insurance in South Dakota, knowing how much it will cost is a promising idea. The average premium for car insurance in South Dakota is $1,581 per year or $132 per month. While the national average is $1,682. There is a difference of $101 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in South Dakota, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in South Dakota
Average annual cost $1,581	Average per month cost $132	Average cost for state minimum coverage $267 / Year
Cheapest car insurance company Nationwide ($1,035/ Year)	Average cost for young drivers $2,331 / Year	Average cost for Senior drivers $1,396 / Year

Key Takeaways

The average car insurance cost in South Dakota is $1,581 per year, based on Insure.com’s analysis.
In South Dakota, the average premium for car insurance is $132 per month.
Nationwide has the cheapest car insurance rates in South Dakota, at an average annual rate of $1,035 a year.

Average car insurance cost in South Dakota per month

In South Dakota, the average premium for car insurance is $132 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in South Dakota, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in South Dakota is Nationwide. The average annual cost is $1,035 while the average cost per month is $86. The second-best option available is, Kemper Insurance, offering insurance at an average per month cost of $97.

The table below lists the other available car insurance companies which offer car insurance in South Dakota, along with their average cost per month and average annual cost.

Company name	Average per month cost	Average annual cost
Nationwide	$86	$1,035
Kemper Insurance	$97	$1,170
American Family	$110	$1,322
State Farm	$122	$1,464
USAA	$129	$1,551
Geico	$141	$1,688
Farmers Insurance	$143	$1,717
Auto-Owners	$149	$1,785
Allstate	$162	$1,941
Progressive	$178	$2,141

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in South Dakota

The amount of coverage you purchase has an impact on how much car insurance costs in South Dakota. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in South Dakota is $289.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in South Dakota is $1,581 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In South Dakota, the average annual cost for non-owner state minimum liability only is $170.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $267 per year in South Dakota.

Coverage limits	Average annual cost
50/100/50 Liability Only	$289
100/300/100 Liability with $500 Comp/Coll Deductible	$1,581
Non-Owner State Minimum Liability Only	$170
State Minimum Liability Only	$267

Average car insurance cost in South Dakota by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in South Dakota:

City	Average annual cost
Sioux Falls	$1,362
Rapid City	$1,640
Aberdeen	$1,366
Brookings	$1,350
Watertown	$1,342
Mitchell	$1,436
Yankton	$1,465
Pierre	$1,571
Huron	$1,459
Spearfish	$1,674

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in South Dakota by city

Average car insurance cost in South Dakota by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in South Dakota is $2,331 while for seniors is $1,396. Here, the rate for young drivers is $935 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in South Dakota for young drivers

The average car insurance cost for female young drivers in South Dakota is $2,140 per year or $178 per month and rate for a male young driver is $2,522 per year or $210 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
18	$4,895	$4,062
19	$3,518	$2,891
20	$3,192	$2,677
21	$2,664	$2,212
22	$2,407	$2,042
23	$2,231	$1,928
24	$2,117	$1,843
25	$1,923	$1,737

Average car insurance cost in South Dakota for senior drivers

In South Dakota, the cost of car insurance for senior female driver is $1,363 per year or $114 per month and cost of car insurance for male senior driver is $1,429 per year or $119 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,381	$1,323
70	$1,420	$1,352
75	$1,555	$1,441

Cheapest cars to insure in South Dakota

Make	Model	Average annual premium
Hyundai	Venue SE	$1,517
Kia	Seltos EX	$1,528
Chrysler	Voyager LX	$1,537
Toyota	C-HR Limited	$1,547
Ford	Transit Connect Titanium	$1,551
Honda	HR-V EX	$1,562
Mini	Cooper SE	$1,578
Mazda	CX-30 S	$1,620
Mazda	CX-5 S	$1,624
Ford	Maverick Lariat	$1,638

Most expensive cars to insure in South Dakota

Make	Model	Average annual premium
Maserati	Quattroporte	$8,836
Maserati	Ghibli Modena	$7,365
Maserati	Ghibli GT	$7,104
Maserati	Ghibli Trofeo	$6,440
BMW	M760i xDrive	$6,428
Maserati	Levante Trofeo	$6,129
BMW	M5	$6,020
BMW	M8 Competition XDrive	$6,013
Audi	RS7 Quattro Performance	$5,891
Porsche	911 Turbo	$5,880

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com gathered data with the help of Quadrant Information Services from major insurance companies across South Dakota. The rates are based on the profile of a 40-year-old male who drives a Honda Accord LX with a clean record and full coverage policy.

The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and collision deductible. The numbers 100/300/100 represent $100,000 coverage for bodily injury per person, $300,000 in bodily injury per accident and $100,000 for property damage.