Home Car insurance Car insurance rates by state Average car insurance cost in South Dakota Average car insurance cost in South Dakota By Insure.com's Editor | Updated on November 9, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 DakotaAverage annual cost$1,581Average per month cost$132Average cost for state minimum coverage$267 / YearCheapest car insurance companyNationwide($1,035/ Year)Average cost for young drivers$2,331 / YearAverage cost for Senior drivers$1,396 / Year Key TakeawaysThe 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 monthIn 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 nameAverage per month costAverage annual costNationwide$86$1,035Kemper Insurance$97$1,170American Family$110$1,322State Farm$122$1,464USAA$129$1,551Geico$141$1,688Farmers Insurance$143$1,717Auto-Owners$149$1,785Allstate$162$1,941Progressive$178$2,141Read our guide to best car insurance companies of 2022Average cost of car insurance by coverage levels in South DakotaThe 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 limitsAverage annual cost50/100/50 Liability Only$289100/300/100 Liability with $500 Comp/Coll Deductible$1,581Non-Owner State Minimum Liability Only$170State Minimum Liability Only$267Average car insurance cost in South Dakota by CityYour 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:CityAverage annual costSioux Falls$1,362Rapid City$1,640Aberdeen$1,366Brookings$1,350Watertown$1,342Mitchell$1,436Yankton$1,465Pierre$1,571Huron$1,459Spearfish$1,674Auto 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 citySioux FallsAberdeenBrookingsWatertownAverage car insurance cost in South Dakota by age of the driverAge 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 driversThe 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers18$4,895$4,06219$3,518$2,89120$3,192$2,67721$2,664$2,21222$2,407$2,04223$2,231$1,92824$2,117$1,84325$1,923$1,737Average car insurance cost in South Dakota for senior driversIn 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,381$1,32370$1,420$1,35275$1,555$1,441Read more about senior car insurance Cheapest cars to insure in South DakotaMakeModelAverage annual premiumHyundaiVenue SE$1,517KiaSeltos EX$1,528ChryslerVoyager LX$1,537ToyotaC-HR Limited$1,547FordTransit Connect Titanium$1,551HondaHR-V EX$1,562MiniCooper SE$1,578MazdaCX-30 S$1,620MazdaCX-5 S$1,624FordMaverick Lariat$1,638Most expensive cars to insure in South DakotaMakeModelAverage annual premiumMaseratiQuattroporte$8,836MaseratiGhibli Modena$7,365MaseratiGhibli GT$7,104MaseratiGhibli Trofeo$6,440BMWM760i xDrive$6,428MaseratiLevante Trofeo$6,129BMWM5$6,020BMWM8 Competition XDrive$6,013AudiRS7 Quattro Performance$5,891Porsche911 Turbo$5,880Note: 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 2021 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. How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents Average car insurance cost in South Dakota per month Average cost of car insurance by coverage levels in South Dakota Average car insurance cost in South Dakota by City Average car insurance cost in South Dakota by age of the driver Cheapest cars to insure in South Dakota Most expensive cars to insure in South Dakota Get instant quotes now ! Please enter valid zip Get quote