South Dakota Average Cost of Car Insurance Rates (2023)

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.

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.

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.

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.

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.

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.

Minimum Car Insurance Requirements in South Dakota

All motor vehicles operated or parked on South Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

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The minimum liability insurance requirements for private passenger vehicles in South Dakota are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Dakota is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodiliy injury

• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Dakota, drivers are required to purchase this coverage for bodily injuries.

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.

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.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies