Average car insurance cost in South Dakota
South Dakota lands in the affordable middle of the pack at #23 of 51, with average premiums about 6% below the national average — around $144 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
How South Dakota compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in South Dakota next to nearby states:
| State | Full coverage /mo | Difference vs SD |
|---|---|---|
| South Dakota | $196 | — |
| North Dakota | $180 | −$16/mo |
| Nebraska | $193 | −$3/mo |
| Minnesota | $222 | +$26/mo |
| Wyoming | $131 | −$65/mo |
South Dakota car insurance FAQ
How much is car insurance in South Dakota?
Full-coverage car insurance in South Dakota averages $196 per month ($2,352 per year). A state-minimum liability policy averages $35 per month ($420 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in South Dakota more expensive than average?
No. South Dakota's full-coverage average of $196/month is about 6% below the U.S. average of $208/month, ranking #23 of 51 (1 = cheapest).
Is South Dakota a no-fault state?
No. South Dakota is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in South Dakota?
Minimum liability in South Dakota averages $35/month versus $196/month for full coverage — a gap of $161/month, or $1,932/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.