Home Car insurance Car insurance calculator South Dakota car insurance calculator South Dakota car insurance calculator View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: October 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Car insurance is essential in South Dakota, but finding the right plan at the right price isn’t always easy. That’s where our South Dakota car insurance calculator can help.Use our auto insurance calculator to see your estimated annual and monthly costs in South Dakota. It factors in your vehicle’s make and model so you can make informed coverage decisions. How to use our car insurance calculator to estimate your rates in South Dakota: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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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! 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/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver 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 - + 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. Data last refreshed in 2025Powered by:How much does your vehicle model affect car insurance rates in South Dakota?Car insurance rates in South Dakota vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.A full coverage car insurance policy in South Dakota for a Honda Accord LX costs $2,792 annually, whereas a Honda CR-V costs $2,107 to insure in South Dakota – a difference of $685.Does your car’s model year affect insurance rates in South Dakota?In South Dakota, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $3,591, compared to $2,849 for the 2024 model.Quick tip: Know your state’s minimum insurance requirements before you buyCar insurance requirements vary by state. In South Dakota, you must have at least the minimum liability coverage to drive legally. This typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in South Dakota can result in fines, license suspension or vehicle impoundment.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 cityAberdeenSioux Falls Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How your car’s trim affects insurance rates in South DakotaIn South Dakota, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.For instance, full coverage car insurance for a 2023 Honda Accord LX in South Dakota costs $3,591 per year. On the other hand, the Honda Accord EX-L trim costs $3,091 annually to insure – a difference of $500.Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding. You might find interesting Average car insurance cost in South DakotaCar insurance calculator for teens in South DakotaCheapest SR-22 insurance in South DakotaDo you need insurance to register a car in South Dakota?How much is gap insurance in South DakotaLow-cost car insurance in South DakotaNon-owner auto insurance in South Dakota: Which company has the cheapest rates?The best, cheapest car insurance in South DakotaBest and cheapest companies for home and auto bundles in South Dakota Average car insurance costs in South DakotaThe average annual premium for a full coverage car insurance policy in South Dakota is $2,635 or $220 per month. However, your actual premium may differ depending on your chosen coverage level.Below are estimated costs for various coverage levels in South Dakota, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,635$220Liability Only – 50/100/50 BI/PD$418$35State Minimum BI/PD$382$32Non-Owners$201$17Powered by:How much is car insurance in South Dakota by cityIn South Dakota, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Allen pay about $3,576 per year for a full coverage policy, where as drivers in Brandon pay $2,163 annually.Top 20 cities with cheapest car insurance rates in South DakotaCityAvg. Annual PremiumAvg. Monthly PremiumBrandon$2,163$180Valley Springs$2,166$181Tea$2,213$184Lyons$2,245$187Gayville$2,250$187Fairview$2,262$188Hudson$2,262$188Ferney$2,263$189Mission Hill$2,267$189Watertown$2,269$189Brookings$2,271$189Clear Lake$2,279$190Houghton$2,280$190Westport$2,280$190Hazel$2,281$190Castlewood$2,282$190Volin$2,283$190Barnard$2,284$190Elk Point$2,285$190Oldham$2,285$190Powered by:Top 20 cities with most expensive car insurance in rates South DakotaCityAvg. Annual PremiumAvg. Monthly PremiumAllen$3,576$298Pine Ridge$3,557$296Oglala$3,552$296Porcupine$3,501$292Parmelee$3,496$291Rosebud$3,495$291Antelope$3,492$291Interior$3,492$291St. Francis$3,487$291Tuthill$3,487$291West Bennett$3,474$290Manderson$3,469$289Batesland$3,459$288Wanblee$3,457$288Bison$3,433$286Wounded Knee$3,433$286Kyle$3,427$286White River$3,426$285Long Valley$3,421$285Norris$3,420$285Powered by:Estimate your South Dakota car insurance cost with our calculatorOur South Dakota car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearWashington, D.C.$3,394/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in South Dakota:How much does your vehicle model affect car insurance rates in South Dakota?Does your car's model year affect insurance rates in South Dakota?How your car's trim affects insurance rates in South DakotaAverage car insurance costs in South DakotaHow much is car insurance in South Dakota by cityEstimate your South Dakota car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330