South Dakota car insurance calculator

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If you drive in South Dakota, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the South Dakota car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in South Dakota, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in South Dakota

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

• Step 1: Choose the model year of your car.
• Step 2: Choose the make and model of your car.
• Step 3: Choose your state.
• Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
• Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

South Dakota car insurance calculator

Tell us about your car to get an estimate.

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Acura Integra

South Dakota

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State South Dakota

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State MinimumNA^*

Liability coverage$539/year

Full Coverage$2,943/year

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A good driver means:

• Have no accidents or violations in the last 3 years.
• Don't have a DUI.
• Don't need an SR22.

Number of vehicles

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Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Does your vehicle model affect car insurance rates in South Dakota?

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,792 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $2,107, a difference of $685.

Does your car’s model year affect insurance rates in South Dakota?

In South Dakota, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $3,591 per year, while the 2024 model costs $2,849 annually to insure.

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.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in South Dakota

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in South Dakota, full coverage car insurance for a 2023 Honda Accord LX costs $3,591 a year, while the higher-end Accord EX-L trim costs $3,091 annually – a difference of $500 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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What drivers pay for car insurance in South Dakota

In South Dakota, the average cost of full coverage car insurance is $2,635 per year, or $220 per month. Your rate may be higher or lower depending on the coverage you choose.

Below, you’ll find estimates for different coverage levels in South Dakota, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.

How much is car insurance in South Dakota by city

Your location plays a significant role in determining car insurance rates in South Dakota. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Allen pay $3,576 per year for coverage, while those in Brandon pay $2,163 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in South Dakota

Top 20 cities with most expensive car insurance in rates South Dakota

Want to know what you’ll pay? Try our South Dakota car insurance calculator

Our South Dakota car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.