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South Dakota Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022


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How Much Does Car Insurance Cost In South Dakota?

On average, car insurance rates for drivers in South Dakota are $160 per month, and $1918 per year. The average rates make South Dakota the 42nd most expensive state in the country for car insurance rates and 40% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $16050%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best South Dakota Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in South Dakota and has selected the following providers and quotes as the best rates for drivers in South Dakota.

Cheapest CompaniesQuotes
State Farm$46
The General$131

South Dakota Car Insurance Rates by City

For drivers in South Dakota, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in South Dakota.

CityAvg. Monthly Rate
Box Elder$144
Rapid City$165
Sioux Falls$155

What Is the Average Cost of Car Insurance in South Dakota by Age?

While drivers in South Dakota pay some of the lowest premiums in the country, the teenagers in South Dakota still pay a steep $276 per month on average. Fortunately, drivers in their 20s pay exactly the state average at $160 per month.

Once you’re 50 or older, you’ll most likely pay less than the state average on car insurance going forward. Drivers in their 60s pay the lowest rates on average, at a perfectly reasonable $103 per month.

AgeAvg. Monthly Rate

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What Is the Average Cost of Car Insurance in South Dakota by Gender?

In South Dakota, men are charged $7 more for insurance than women. This is a negligible difference, with both genders hovering right around the state average of $160 per month.

GenderAvg. Monthly Rate

Does Marital Status Influence the Average Cost of Car Insurance in South Dakota?

When you get married in South Dakota, you shouldn’t expect a massive change to your monthly car insurance rate. On average, married drivers pay $166 per month, which is just $6 more than single drivers. This makes South Dakota one of the few states where being married leads to higher average rates—but at just $6 per month, this is a difference that won’t break the bank.

Marital StatusAvg. Monthly Rate

What Are the Minimum Car Insurance Requirements in South Dakota?

In general, South Dakota’s required policy limits are in line with national standards. The state requires $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers in South Dakota must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.

But that’s not all. South Dakota also requires $25,000 in uninsured/underinsured motorist bodily injury per person and $50,000 per accident. This will come in handy if you get in an accident with a driver who doesn’t have car insurance or whose policy limits do not cover the costs associated with the accident.


How Does Credit History Affect South Dakota Car Insurance Rates?

South Dakota allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, there is only a difference of $2 between the average rates of those with an excellent credit history ($140 per month) and those with a poor credit history ($138 per month). Drivers with an average or good credit history pay even more for car insurance, at $152 per month and $169 per month, respectively.

Credit HistoryAvg. Monthly Rate

What Is the Average Cost of Car Insurance in South Dakota for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in South Dakota will pay $5 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $44. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$154
At-Fault Accident$198

Tips for Researching South Dakota Car Insurance Rates

It can sometimes feel like car insurance companies come up with their prices out of thin air. In reality, prices are based on a variety of unique factors and can vary based on the state you’re in. With a wide range of trusted carriers offering their services in South Dakota, drivers will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

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FAQs - South Dakota Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county South Dakota. Insurify analyzed the latest data for the five most populous cities in South Dakota to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in South Dakota and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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