Compare Rates and Save on Auto Insurance

widget-location-pin

A combination of several factors determines car insurance rates, including your provider, age, location, coverage level, driving history, credit score and the number of drivers on your policy. To illustrate how rates change based on company and driver age, we found that Allstate is the cheapest provider in South Dakota at $746 per year for full coverage, while Progressive is the most expensive at $1,344 per year. Meanwhile, drivers in their 20s pay an average of $1,185 per year, while those in their 60s pay around $857 per year.

MoneyGeek Logo IconCar InsuranceCosts inSouth Dakota
2023

Table of Contents

Average Car Insurance Costs in South Dakota (2023)

The average cost of car insurance in South Dakota is $950 per year or $79 per month for full coverage. Many factors can influence your rates, but the coverage amount of your policy and your driving record can have the biggest impact. Here’s what you can expect to pay for full coverage based on your driving record:

  • Clean record: $950 per year
  • Speeding ticket: $1,129 per year
  • At-fault accident: $1,359 per year
  • DUI: $1,813 per year

You can expect to pay less if you opt for a minimum coverage policy.

Driving Record
Annual Premium
Monthly Premium

Clean

$280

$23

Clean

$286

$24

Ticket

$344

$29

Ticket

$352

$29

Clean

$352

$29

Ticket

$421

$35

At-Fault Accident

$422

$35

At-Fault Accident

$429

$36

At-Fault Accident

$509

$42

DUI

$523

$44

DUI

$540

$45

DUI

$654

$54

Clean

$857

$71

Clean

$950

$79

Ticket

$1,012

$84

Ticket

$1,129

$94

Clean

$1,185

$99

At-Fault Accident

$1,233

$103

At-Fault Accident

$1,359

$113

Ticket

$1,391

$116

At-Fault Accident

$1,635

$136

DUI

$1,638

$136

DUI

$1,813

$151

DUI

$2,217

$185

Why Are Car Insurance Rates Moderate in South Dakota?

Car insurance rates in South Dakota are moderate, placing the statewide average near the national average of $1,054 per year. Some of the possible reasons for South Dakota’s moderate auto insurance rates are medium traffic density, lower urban population density, cheaper insurers and lower vehicle theft rates in the state. Personal factors, such as your age and driving history, can also impact insurance costs, so your rates may be higher than the state average.

Average Car Insurance Costs in South Dakota by Company

When comparing car insurance costs, averages can be misleading since rates vary significantly across companies. For minimum coverage, we found that Farmers Mutual of Nebraska has the most affordable car insurance in South Dakota at $207 per year ($811 per year for full coverage), while Allstate is the least affordable insurer at $398 per year ($746 per year for full coverage).

You’ll find that liability-only policies are cheaper than full coverage policies, but it’s still possible to find cheap full coverage insurance by doing a bit of research and shopping around.

Company
Annual Premium
Monthly Premium

State Farm

$204

$17

Farmers Mutual of Nebraska

$206

$17

Farmers Mutual of Nebraska

$207

$17

State Farm

$212

$18

Nationwide

$222

$18

Nationwide

$226

$19

Auto-Owners Insurance Co

$228

$19

Auto-Owners Insurance Co

$229

$19

State Farm

$260

$22

Western National

$261

$22

GEICO

$268

$22

Kemper

$273

$23

Kemper

$276

$23

Auto-Owners Insurance Co

$294

$24

Farmers

$295

$25

Iowa Farm Bureau

$298

$25

GEICO

$301

$25

Western National

$302

$25

Farmers Mutual of Nebraska

$309

$26

Farmers

$312

$26

American Family

$320

$27

Nationwide

$322

$27

Farmers

$355

$30

GEICO

$356

$30

Iowa Farm Bureau

$369

$31

American Family

$372

$31

Western National

$378

$32

Progressive

$390

$32

Progressive

$392

$33

Allstate

$398

$33

Kemper

$401

$33

American Family

$405

$34

Allstate

$408

$34

Allstate

$430

$36

Iowa Farm Bureau

$431

$36

Progressive

$470

$39

Nationwide

$702

$58

State Farm

$705

$59

Kemper

$713

$59

Farmers Mutual of Nebraska

$724

$60

Allstate

$746

$62

Allstate

$761

$63

American Family

$790

$66

Kemper

$796

$66

State Farm

$796

$66

Nationwide

$799

$67

Allstate

$803

$67

Farmers Mutual of Nebraska

$811

$68

Auto-Owners Insurance Co

$820

$68

Farmers

$830

$69

American Family

$834

$69

Farmers

$925

$77

Auto-Owners Insurance Co

$941

$78

American Family

$978

$82

Nationwide

$980

$82

State Farm

$989

$82

GEICO

$1,007

$84

Western National

$1,045

$87

Farmers

$1,081

$90

Iowa Farm Bureau

$1,102

$92

GEICO

$1,113

$93

Progressive

$1,126

$94

Kemper

$1,145

$95

Western National

$1,161

$97

Farmers Mutual of Nebraska

$1,169

$97

Auto-Owners Insurance Co

$1,207

$101

Iowa Farm Bureau

$1,260

$105

Progressive

$1,344

$112

GEICO

$1,396

$116

Iowa Farm Bureau

$1,502

$125

Western National

$1,517

$126

Progressive

$1,606

$134

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin
mglogo icon
MONEYGEEK’S SOUTH DAKOTA CAR INSURANCE CALCULATOR

In addition to the coverage level you choose, insurers consider personal factors like your age, location and driving history when determining your car insurance rates. You can use MoneyGeek’s South Dakota car insurance calculator to get the best estimate of your premiums.

Average Car Insurance Costs in South Dakota by Coverage Level

The average cost of car insurance in South Dakota ranges from $286 per year for state-minimum coverage to $1,202 for full coverage with increased liability limits. The cost of insurance will increase as you increase your liability limits. Similarly, adding comprehensive and collision insurance can drive up your annual premiums by a few hundred dollars. Increasing your deductible can help lower the cost of full coverage policies.

Average annual car insurance rates by coverage tier

A minimum coverage policy is the cheapest option for car insurance, but it only includes the lowest possible liability limits and no comprehensive or collision coverage. Minimum coverage car insurance in South Dakota also includes uninsured motorist insurance, which may make it more expensive compared to other states.

Policies with increased liability limits are also available, which are shortened to 50/100/50 or 100/300/100. A policy with liability limits of 50/100/50 includes the following coverage:

  • $50,000 in bodily injury liability insurance per person
  • $100,000 in bodily injury liability insurance per accident
  • $50,000 in property damage liability insurance per accident

Most insurers offer maximum liability limits of 300/500/300. Even at these increased limits, liability-only insurance will only cover damage or injury to others. For coverage against damages to you or your vehicle, you’ll need to get a full coverage policy, which adds comprehensive and collision insurance.

Average Car Insurance Costs in South Dakota by Age

Although age is a major factor in determining the cost of car insurance, this is mostly true for young or inexperienced drivers. The average full coverage car insurance costs in South Dakota by age group are as follows:

  • 22–29: $1,185 per year
  • 30–59: $950 per year
  • 60+: $857 per year

Drivers in their 20s tend to pay more expensive rates than other age groups, but rates usually stabilize from age 30 to 60 before decreasing slightly after 60. In some cases, the cost of auto insurance for new drivers over 30 may be similar to rates for those in their 20s.

Age
Annual Premium
Monthly Premium

22-29

$352

$29

22-29

$1,185

$99

30-59

$950

$79

30-59

$286

$24

60 +

$857

$71

60 +

$280

$23

Average Car Insurance Costs in South Dakota for Teens

Teen drivers are the most expensive age group to insure in South Dakota. The average cost of full coverage auto insurance for a 16-year-old male on an individual plan is $5,192 per year. Joining a family plan is a great way for teens to save money — the average rate for a family plan is $2,355 per year. Keep in mind that teens under 18 cannot legally purchase their own policy without a parent or guardian agreeing to co-sign.

Insurance costs tend to decrease as teens age and gain more experience on the road. We found that a 19-year-old male on a family plan pays an average of $1,836 per year, while a 22-year-old pays $1,508 per year for full coverage. In addition, female teens tend to pay less for auto insurance as they're considered less risky to insure. In South Dakota, they pay an average of $312 less per year than male teens for a family plan.

Since rates vary greatly between insurers, it's important to shop around and compare quotes to find the cheapest auto insurance in South Dakota for teens.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,043

$170

$4,418

$368

16

$2,355

$196

$5,192

$433

17

$1,955

$163

$3,506

$292

17

$2,260

$188

$4,178

$348

18

$1,737

$145

$3,053

$254

18

$2,008

$167

$3,650

$304

19

$1,623

$135

$2,138

$178

19

$1,836

$153

$2,602

$217

20

$1,658

$138

$1,912

$159

20

$1,847

$154

$2,248

$187

21

$1,363

$114

$1,561

$130

21

$1,539

$128

$1,860

$155

22

$1,332

$111

$1,443

$120

22

$1,508

$126

$1,673

$139

23

$1,360

$113

$1,311

$109

23

$1,547

$129

$1,492

$124

24

$1,294

$108

$1,246

$104

24

$1,459

$122

$1,409

$117

25

$1,197

$100

$1,144

$95

25

$1,301

$108

$1,243

$104

Average Car Insurance Costs in South Dakota for New Cars vs. Older Cars

It costs an average of $917 per year to insure an older car in South Dakota, while insuring a new vehicle costs $1,367 per year — that’s a 49% increase. New cars have a higher actual cash value (ACV), making them more expensive to insure as the insurance company would have to pay out a higher amount in the event of a claim.

We recommend that drivers of newer cars with a higher ACV consider purchasing full coverage auto insurance to cover damages to your own car.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$283

$24

2022 Vehicle

$284

$24

2012 Vehicle

$294

$25

2012 Vehicle

$300

$25

2022 Vehicle

$342

$29

2012 Vehicle

$363

$30

2012 Vehicle

$833

$69

2012 Vehicle

$917

$76

2012 Vehicle

$1,132

$94

2022 Vehicle

$1,199

$100

2022 Vehicle

$1,367

$114

2022 Vehicle

$1,669

$139

Average Car Insurance Costs in South Dakota by Driving Record

Your driving record can have a significant effect on your insurance rates. Generally, drivers with a record of traffic violations face higher car insurance rates than those with clean driving histories. You can expect to pay the following rates in South Dakota, on average, based on your driving record:

  • Clean record: $950 per year
  • Speeding ticket: $1,129 per year
  • At-fault accident: $1,359 per year
  • DUI: $1,813 per year

The severity of the driving offense usually determines how much your rates will increase. For example, drivers with a DUI should expect to pay more than those with a speeding ticket. It’s always good practice to compare rates from multiple insurers to find low-cost car insurance in South Dakota for drivers with poor records.

Driving Record
Annual Premium
Monthly Premium

Clean

$280

$23

Clean

$286

$24

Ticket

$344

$29

Ticket

$352

$29

Clean

$352

$29

Ticket

$421

$35

At-Fault Accident

$422

$35

At-Fault Accident

$429

$36

At-Fault Accident

$509

$42

DUI

$523

$44

DUI

$540

$45

DUI

$654

$54

Clean

$857

$71

Clean

$950

$79

Ticket

$1,012

$84

Ticket

$1,129

$94

Clean

$1,185

$99

At-Fault Accident

$1,233

$103

At-Fault Accident

$1,359

$113

Ticket

$1,391

$116

At-Fault Accident

$1,635

$136

DUI

$1,638

$136

DUI

$1,813

$151

DUI

$2,217

$185

Average Car Insurance Costs in South Dakota by Credit Score

Your credit score can also have a major impact on your car insurance cost. On average, drivers in South Dakota with poor credit pay $1,804 per year, whereas those with excellent credit only pay $723 per year. These are the average costs that South Dakota drivers should expect to pay for full coverage based on their credit scores:

  • Excellent: $723 per year
  • Good: $876 per year
  • Fair: $1,068 per year
  • Below fair: $1,349 per year
  • Poor: $1,804 per year

Some insurers may charge more than others if you have a lower credit score. That’s why it’s important to do a bit of comparison shopping to find the most affordable auto insurance in South Dakota for drivers with poor credit.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$221

$18

Excellent

$223

$19

Good

$264

$22

Good

$266

$22

Excellent

$270

$22

Fair

$319

$27

Good

$321

$27

Fair

$322

$27

Fair

$389

$32

Below Fair

$395

$33

Below Fair

$399

$33

Below Fair

$487

$41

Poor

$514

$43

Poor

$521

$43

Poor

$639

$53

Excellent

$648

$54

Excellent

$665

$55

Excellent

$723

$60

Excellent

$730

$61

Excellent

$737

$61

Good

$785

$65

Good

$804

$67

Excellent

$842

$70

Good

$876

$73

Good

$884

$74

Excellent

$887

$74

Good

$892

$74

Excellent

$893

$74

Fair

$956

$80

Fair

$979

$82

Good

$1,022

$85

Excellent

$1,046

$87

Fair

$1,068

$89

Good

$1,074

$89

Fair

$1,075

$90

Good

$1,079

$90

Fair

$1,084

$90

Below Fair

$1,205

$100

Below Fair

$1,229

$102

Fair

$1,244

$104

Good

$1,267

$106

Fair

$1,310

$109

Fair

$1,312

$109

Below Fair

$1,349

$112

Below Fair

$1,353

$113

Below Fair

$1,376

$115

Fair

$1,542

$128

Below Fair

$1,582

$132

Poor

$1,603

$134

Poor

$1,620

$135

Below Fair

$1,660

$138

Below Fair

$1,663

$139

Poor

$1,792

$149

Poor

$1,804

$150

Poor

$1,920

$160

Below Fair

$1,970

$164

Poor

$2,199

$183

Poor

$2,216

$185

Poor

$2,226

$185

Poor

$2,774

$231

Average Car Insurance Costs in South Dakota by City

Your rates can vary greatly depending on the city where you live in South Dakota. We found that drivers in Sioux Falls pay around $937 per year for full coverage. This is very close to the average annual rate in the state of $950.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Sioux Falls

$1,146

$459

Sioux Falls

$937

$379

Sioux Falls

$841

$361

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin

FAQ About Car Insurance Costs in South Dakota

To help you in your search for the best insurance provider, MoneyGeek answered some of the most common questions about average car insurance costs in South Dakota. Your rates may vary based on a variety of factors.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.