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Updated March 9, 2022
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.
Cheapest Companies | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
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Progressive | $23 |
Allstate | $43 |
State Farm | $46 |
GEICO | $90 |
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.
City | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
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Aberdeen | $127 |
Box Elder | $144 |
Brookings | $123 |
Mitchell | $130 |
Rapid City | $165 |
Sioux Falls | $155 |
Spearfish | $159 |
Vermillion | $131 |
Watertown | $146 |
Yankton | $149 |
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.
Age | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
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Teens | $276 |
20s | $160 |
30s | $150 |
40s | $167 |
50s | $131 |
60s | $103 |
70s | $126 |
>80s | $137 |
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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.
Gender | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
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Male | $166 |
Female | $159 |
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 Status | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
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Married | $166 |
Single | $160 |
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
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.
Credit History | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
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Poor | $138 |
Average | $152 |
Good | $169 |
Excellent | $140 |
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 History | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
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No Violation | $154 |
At-Fault Accident | $198 |
Speeding | $159 |
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.
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
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.
Compare Car Insurance Quotes Instantly
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- South Dakota Department of Labor and Regulation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022