Home Car insurance Car insurance calculator South Dakota car insurance calculator South Dakota car insurance calculator Get a quick estimate of car insurance costs in South Dakota with our calculator, tailored to your car, coverage, and location. Compare rates and choose a policy that fits your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onJuly 31, 2026 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 costs in South Dakota depend on more than just your zip code. Your vehicle, coverage level, and driving history all play a role – and the difference between the cheapest and most expensive options can be hundreds of dollars a year. Enter a few details below to get a quick estimate and see what you might actually pay. How to use our car insurance calculator to estimate your rates in South DakotaGetting your estimate takes less than a minute. Here’s how:Choose the model year of your carChoose the make and modelSelect South Dakota as your stateClick ‘Get My Rates’ to see your estimateAdd more vehicles to expand your options, or click ‘Get quotes’ to compare live 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 Minimum$450/year Liability coverage$576/year Full Coverage$3,016/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by: What affects your car insurance rate in South Dakota? Your car’s make, model, year and trimYour location within South DakotaYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in South Dakota?A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.For example, full coverage for a Honda Accord LX costs $2,974 per year in South Dakota, while a Honda CR-V averages $2,387 – a difference of $587. A popular car doesn’t always mean cheaper insurance High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle. Does your car’s model year affect insurance rates in South Dakota?In general, newer vehicles cost more to insure because they are more expensive to repair or replace. In South Dakota, the annual premium for a 2024 Honda Accord LX is $2,854, while the 2025 model costs $2,919. That said, older cars aren’t always cheaper – vehicles without modern safety features or with costly parts may still carry higher premiums. Check your state’s minimum coverage rules Every state sets its own minimum car insurance requirements, and South Dakota is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liability According to the III (Insurance Information Institute), state-required minimums often aren’t enough to cover the costs of a serious crash, so it’s worth considering higher coverage levels for stronger financial protection. Driving without the required coverage can result in fines, license suspension, or even 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 citySee rates in your citySioux 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 does your car’s trim affect insurance rates in South Dakota? Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.For example, in South Dakota, full coverage for a 2024 Honda Accord LX costs $2,854 annually, while the Accord EX-L trim costs $2,880 – a difference of $26.Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk. You might find interesting Explore related topics 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?South Dakota car insurance: Rates, state minimum requirements and best companiesThe best and cheapest car insurance in South DakotaSee more That upgrade can cost more than you expect Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in South Dakota?The average cost of full coverage car insurance in South Dakota is $2,575 per year, or $215 per month. That figure is a useful starting point, but your actual rate can land well above or below it depending on your vehicle, coverage choices, and personal profile.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,575$215Liability Only – 50/100/50 BI/PD$490$41State Minimum BI/PD$450$37Non-Owners$216$18Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It can also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in South Dakota?Where you live within South Dakota can have just as much impact on your premium as the coverage you choose. Insurers look at local traffic density, accident statistics, weather risks and theft rates when setting prices – which is why two drivers with identical profiles can pay very different amounts depending on their zip code.Full coverage costs $3,081 per year in Oglala, compared to $2,298 in Gayville.Top 20 cities with cheapest car insurance rates in South DakotaThese cities have the lowest average premiums in the state, typically because of lower traffic volume, fewer claims and reduced risk overall.CityAvg. Annual PremiumAvg. Monthly PremiumGayville$2,298$191Mission Hill$2,313$193Houghton$2,325$194Westport$2,326$194Mitchell$2,329$194Volin$2,331$194Rosholt$2,338$195Yankton$2,340$195Utica$2,343$195Erwin$2,344$195Irene$2,344$195Claire City$2,349$196Frederick$2,351$196Scotland$2,352$196Wakonda$2,352$196Watertown$2,353$196Peever$2,355$196Kaylor$2,362$197Corona$2,363$197Brookings$2,365$197Powered by:Top 20 cities with most expensive car insurance in rates South DakotaThese cities carry the highest average premiums, driven by higher traffic density, accident rates and claim frequency.CityAvg. Annual PremiumAvg. Monthly PremiumOglala$3,081$257Pine Ridge$3,065$255Allen$3,060$255Batesland$2,969$247Porcupine$2,969$247Rosebud$2,968$247West Custer$2,967$247Parmelee$2,966$247Antelope$2,953$246Kyle$2,945$245St. Francis$2,936$245Interior$2,932$244Oral$2,927$244Okreek$2,925$244Wounded Knee$2,925$244Tuthill$2,922$244West Bennett$2,922$244Manderson$2,913$243Walker$2,910$243Hot Springs$2,902$242Powered by: If you’re moving within South Dakota, check insurance rates before you go A move from a rural area to a major city can add hundreds of dollars to your annual premium – even if nothing else about your profile changes. Frequently asked questions What is the average cost of car insurance in South Dakota? The average cost of full coverage car insurance in South Dakota is $2,575 per year, or $215 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state. How can I lower my car insurance premium in South Dakota? The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up. Does my credit score affect car insurance rates in South Dakota? In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether South Dakota has any restrictions on this practice. Sources:Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. 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 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure How much does car insurance cost for seniors? Non-owner car insurance: How to get car insurance if you don’t own a car The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? 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How much does car insurance cost in South Dakota?How do car insurance rates vary by city in South Dakota?Frequently asked questionsEstimate your South Dakota car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates 1-833-708-5453