- Average South Dakota car insurance cost is $2,566 per year, or around $214 per month for a full coverage policy.
- When compared to other Midwest states, South Dakota ranks 10th out of 12 total states for most affordable auto insurance rates.
- Cheap South Dakota car insurance can be found on many compact and midsize SUVs and sedans, and also a few midsize pickups.
What is average car insurance cost in South Dakota?
Average car insurance rates in South Dakota cost $2,566 per year, or around $214 per month, which is 12% more than the U.S. average rate of $2,276. South Dakota ranks 34th out of all 50 states for car insurance affordability.
The chart below shows average auto insurance rates in South Dakota for 2024 model year vehicles. Cost is included for drivers age 20 to 60 and for three different policy deductible levels.
The above chart averages cost across all types of vehicles. The next chart breaks down average car insurance rates by automotive segment. Small and midsize SUVs, midsize pickups, minivans, and compact cars tend to have the cheapest overall car insurance rates.
How does South Dakota car insurance cost compare?
When compared to surrounding states, South Dakota car insurance rates are 14.4% more than North Dakota, 7.7% more than Montana, 9.8% more than Wyoming, 13.8% more than Nebraska, 27.7% more than Iowa, and 12.2% more than Minnesota.
The chart below shows how average South Dakota car insurance rates compare to the rest of the Midwest. Ranked 10th in the Midwest and 34th out of all 50 states, the average cost of car insurance in South Dakota is $2,566 per year.
When compared to states in other parts of the country, the average cost of car insurance in South Dakota is 8.6% cheaper than New York, 33.7% more expensive than Maine, 8.4% cheaper than Florida, 6.9% more expensive than Texas, and 31.6% more expensive than North Carolina.
Here’s an example that illustrates the difference between average car insurance quotes in South Dakota and some other Midwest states. Average car insurance on a 2024 Mazda CX-5 in South Dakota costs $2,094 per year. When compared to other states, car insurance on the same vehicle will cost:
- $446 less per year in Wisconsin ($1,648)
- $240 less per year in Minnesota ($1,854)
- $510 less per year in Iowa ($1,584)
- $62 less per year in Kansas ($2,032)
- $274 less per year in Nebraska ($1,820)
What is the cheapest car insurance in South Dakota?
When comparing all 2024 vehicles, the models with the best insurance quotes in South Dakota tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Buick Envision. Average car insurance quotes for those vehicles cost $2,086 or less per year for full coverage car insurance.
Some other vehicles that have low-cost car insurance rates in our auto insurance price comparison are the Buick Envista, Honda CR-V, Kia Niro, and Nissan Murano. The average insurance cost is somewhat higher for those models than the cheapest small SUVs at the top of the rankings, but they still have average rates of $186 or less per month in South Dakota.
For compact, midsize, and full-size luxury car models, the cheapest luxury car insurance rates in South Dakota can be found on the Acura Integra at $2,282 per year, the BMW 330i at $2,612 per year, and the Mercedes-Benz CLA250 at $2,642 per year.
The table below ranks the top 50 cheapest vehicles to insure in South Dakota. Average annual and monthly car insurance cost is shown for each model.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,896 | $158 |
| 2 | Chevrolet Trailblazer | $1,928 | $161 |
| 3 | Kia Soul | $2,004 | $167 |
| 4 | Nissan Kicks | $2,022 | $169 |
| 5 | Honda Passport | $2,044 | $170 |
| 6 | Buick Envision | $2,058 | $172 |
| 7 | Toyota Corolla Cross | $2,070 | $173 |
| 8 | Hyundai Venue | $2,086 | $174 |
| 9 | Mazda CX-5 | $2,094 | $175 |
| 10 | Ford Bronco Sport | $2,102 | $175 |
| 11 | Volkswagen Tiguan | $2,124 | $177 |
| 12 | Acura RDX | $2,148 | $179 |
| 13 | Nissan Murano | $2,158 | $180 |
| 14 | Buick Encore | $2,180 | $182 |
| 15 | Honda CR-V | $2,188 | $182 |
| 16 | Subaru Outback | $2,188 | $182 |
| 17 | Buick Envista | $2,194 | $183 |
| 18 | Volkswagen Taos | $2,198 | $183 |
| 19 | Kia Niro | $2,210 | $184 |
| 20 | Honda HR-V | $2,232 | $186 |
| 21 | Toyota GR Corolla | $2,232 | $186 |
| 22 | Subaru Ascent | $2,234 | $186 |
| 23 | Nissan Leaf | $2,248 | $187 |
| 24 | Chevrolet Colorado | $2,264 | $189 |
| 25 | Lexus NX 250 | $2,272 | $189 |
| 26 | Honda Civic | $2,274 | $190 |
| 27 | Volkswagen Atlas | $2,276 | $190 |
| 28 | Acura Integra | $2,282 | $190 |
| 29 | Subaru Forester | $2,284 | $190 |
| 30 | Volkswagen Atlas Cross Sport | $2,286 | $191 |
| 31 | Kia Seltos | $2,292 | $191 |
| 32 | GMC Terrain | $2,298 | $192 |
| 33 | Nissan Rogue | $2,308 | $192 |
| 34 | Hyundai Kona | $2,310 | $193 |
| 35 | Mazda CX-30 | $2,314 | $193 |
| 36 | Cadillac XT4 | $2,318 | $193 |
| 37 | Volkswagen ID4 | $2,328 | $194 |
| 38 | Ford Explorer | $2,330 | $194 |
| 39 | Toyota Highlander | $2,336 | $195 |
| 40 | Ford Escape | $2,342 | $195 |
| 41 | Toyota Venza | $2,344 | $195 |
| 42 | Honda Odyssey | $2,346 | $196 |
| 43 | Nissan Sentra | $2,352 | $196 |
| 44 | Subaru Impreza | $2,358 | $197 |
| 45 | Chevrolet Equinox | $2,362 | $197 |
| 46 | Toyota RAV4 | $2,368 | $197 |
| 47 | Mazda MX-5 Miata | $2,374 | $198 |
| 48 | Mazda MX-30 | $2,382 | $199 |
| 49 | Hyundai Tucson | $2,386 | $199 |
| 50 | Chevrolet Traverse | $2,394 | $200 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all South Dakota Zip Codes. Updated October 24, 2025
The list below breaks out the cheapest model to insure for each automotive segment. Not all the models shown below made the top 50 list above.
- Toyota GR Corolla insurance – Cheapest compact car at $2,232 per year or $186 per month
- Subaru Crosstrek insurance – Cheapest compact SUV at $1,896 per year or $158 per month
- Kia K5 insurance – Cheapest midsize car at $2,472 per year or $206 per month
- Honda Passport insurance – Cheapest midsize SUV at $2,044 per year or $170 per month
- Chrysler 300 insurance – Cheapest full-size car at $2,446 per year or $204 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $2,410 per year or $201 per month
- Chevrolet Colorado insurance – Cheapest midsize pickup at $2,264 per year or $189 per month
- Nissan Titan insurance – Cheapest full-size pickup at $2,400 per year or $200 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,610 per year or $218 per month
- Honda Odyssey insurance – Cheapest minivan at $2,346 per year or $196 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $2,374 per year or $198 per month
- Acura Integra insurance – Cheapest compact luxury car at $2,282 per year or $190 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $2,148 per year or $179 per month
- Mercedes-Benz CLA250 insurance – Cheapest midsize luxury car at $2,642 per year or $220 per month
- Jaguar E-Pace insurance – Cheapest midsize luxury SUV at $2,400 per year or $200 per month
- Audi A5 insurance – Cheapest full-size luxury car at $3,052 per year or $254 per month
- Infiniti QX80 insurance – Cheapest full-size luxury SUV at $2,878 per year or $240 per month
Car insurance rate variability
We use a lot of “average” rates when making car insurance comparisons. By doing this, it simplifies a lot of the complexity of car insurance, but at the same time it also adds a degree of inaccuracy.
The next five sections are intended to help you understand that there is a lot more to car insurance than just one average rate. We take one popular model for five different segments and go into more detail with some of the variables that can impact insurance cost.
You’ll be able to see from the examples how high-risk drivers or accidents cause rates to increase while older drivers and safe drivers pay less for the same coverage.
Each section has a link to the automotive segment that the vehicle belongs to, as well as other popular models that may be of interest.
Ram 1500 pickup insurance rates
Ram Truck insurance in South Dakota costs an average of $2,968 per year and ranges from $2,462 to $6,836 per year for the sample driver risk profiles shown in the chart below.
The Ram Truck is considered a full-size truck, and other popular models include the Ford F150, Chevrolet Silverado, GMC Sierra, Nissan Titan, and Toyota Tundra.
Ford Ranger insurance rates
Ford Ranger car insurance rates in South Dakota range from $2,038 to $5,662 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $2,452 per year or $204 per month in South Dakota.
The Ford Ranger belongs to the midsize truck segment, and other popular models include the GMC Canyon, Toyota Tacoma, Honda Ridgeline, Jeep Gladiator, and Chevrolet Colorado.
Honda Civic insurance rates
The chart below shows average Honda Civic insurance rates in South Dakota for different driver ages and risk profiles. Annual cost ranges from $1,894 to $5,160 per year for the example driver risk profiles, with average cost being $2,274 per year.
The Honda Civic is a compact car and other similar models include the Nissan Sentra, Toyota Corolla, Hyundai Elantra, Chevrolet Cruze, and Volkswagen Jetta.
Honda CR-V insurance rates
Average Honda CR-V insurance rates in South Dakota as shown in the chart below range from $1,820 to $5,030 per year, with the average cost being $2,188.
The Honda CR-V is considered a compact SUV, and other models in this segment include the Nissan Rogue, Subaru Forester, Chevrolet Equinox, Mazda CX-5, and Ford Escape.
Ford Expedition insurance rates
The average cost for Ford Expedition insurance in South Dakota is $2,768 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,302 to $6,336 per year.
The Ford Expedition is a large SUV and other vehicles in this segment include the Toyota Sequoia, Chevrolet Tahoe, Chevrolet Suburban, and GMC Yukon.
South Dakota car insurance cost by city
Shown below are some of the larger cities in South Dakota and the average annual and monthly car insurance costs for each one. Visit any page to view detailed rate information, including average cost by automotive segment, rates by driver risk profile, and the vehicles with cheap car insurance quotes in each city.
- Sioux Falls Car Insurance - $2,374 per year or $198 per month
- Rapid City Car Insurance - $2,926 per year or $244 per month
- Aberdeen Car Insurance - $2,356 per year or $196 per month
- Brookings Car Insurance - $2,354 per year or $196 per month
- Watertown Car Insurance - $2,298 per year or $192 per month
- Mitchell Car Insurance - $2,450 per year or $204 per month
- Yankton Car Insurance - $2,578 per year or $215 per month
Other rates and observations
We can’t cover every possible situation affecting the cost of car insurance, but here are a few extra scenarios and situations where rates can change or even discounts that could save you money.
- Qualify for policy discounts to save money. Discounts may be available if the policyholders insure multiple vehicles on the same policy, are senior citizens, drive low annual mileage, are military or federal employees, take a defensive driving course, or many other policy discounts.
- Plan on paying a lot to insure a teen driver. Average car insurance quotes for teen drivers in South Dakota costs $9,140 per year for a 16-year-old driver, $8,855 per year for a 17-year-old driver, $7,938 per year for an 18-year-old driver, and $7,229 per year for a 19-year-old driver.
- It’s expensive to buy high-risk car insurance. For a 30-year-old driver, having too many accidents or violations could trigger a rate increase of $3,164 or more per year.
- A good credit rating can save money. Drivers who maintain a credit score over 800 could save as much as $403 per year when compared to a good credit rating of 670-739. Conversely, a less-than-perfect credit history could cost as much as $467 more per year.
- Fewer accidents saves money. At-fault accidents increase insurance cost, potentially by an additional $3,664 per year for a 20-year-old driver and as much as $1,068 per year for a 40-year-old driver.
- The higher the deductibles, the lower the cost. Boosting your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.