- Average South Dakota car insurance cost is $2,524 per year, or around $210 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 $2,524 per year, or around $210 per month, which is 12.8% more than the U.S. average rate of $2,221. 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 14.9% more than North Dakota, 8% more than Montana, 10.2% more than Wyoming, 14.3% more than Nebraska, 28.3% more than Iowa, and 12.5% 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 $2,524 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, 34.4% more expensive than Maine, 8.7% cheaper than Florida, 7.1% more expensive than Texas, and 32.3% 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 $2,058 per year. When compared to other states, car insurance on the same vehicle will cost:
- $444 less per year in Wisconsin ($1,614)
- $242 less per year in Minnesota ($1,816)
- $510 less per year in Iowa ($1,548)
- $60 less per year in Kansas ($1,998)
- $272 less per year in Nebraska ($1,786)
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 $2,048 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, Subaru Outback, 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 $183 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 $2,244 per year, the BMW 330i at $2,568 per year, and the Mercedes-Benz CLA250 at $2,596 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 | $1,862 | $155 |
| 2 | Chevrolet Trailblazer | $1,894 | $158 |
| 3 | Kia Soul | $1,968 | $164 |
| 4 | Nissan Kicks | $1,986 | $166 |
| 5 | Honda Passport | $2,010 | $168 |
| 6 | Buick Envision | $2,022 | $169 |
| 7 | Toyota Corolla Cross | $2,036 | $170 |
| 8 | Hyundai Venue | $2,048 | $171 |
| 9 | Mazda CX-5 | $2,058 | $172 |
| 10 | Ford Bronco Sport | $2,066 | $172 |
| 11 | Volkswagen Tiguan | $2,088 | $174 |
| 12 | Acura RDX | $2,110 | $176 |
| 13 | Nissan Murano | $2,120 | $177 |
| 14 | Buick Encore | $2,142 | $179 |
| 15 | Subaru Outback | $2,148 | $179 |
| 16 | Honda CR-V | $2,150 | $179 |
| 17 | Buick Envista | $2,156 | $180 |
| 18 | Volkswagen Taos | $2,162 | $180 |
| 19 | Kia Niro | $2,172 | $181 |
| 20 | Toyota GR Corolla | $2,192 | $183 |
| 21 | Honda HR-V | $2,194 | $183 |
| 22 | Subaru Ascent | $2,196 | $183 |
| 23 | Nissan Leaf | $2,208 | $184 |
| 24 | Chevrolet Colorado | $2,222 | $185 |
| 25 | Honda Civic | $2,234 | $186 |
| 26 | Lexus NX 250 | $2,234 | $186 |
| 27 | Volkswagen Atlas | $2,236 | $186 |
| 28 | Acura Integra | $2,244 | $187 |
| 29 | Subaru Forester | $2,246 | $187 |
| 30 | Volkswagen Atlas Cross Sport | $2,248 | $187 |
| 31 | Kia Seltos | $2,252 | $188 |
| 32 | GMC Terrain | $2,258 | $188 |
| 33 | Nissan Rogue | $2,266 | $189 |
| 34 | Hyundai Kona | $2,270 | $189 |
| 35 | Mazda CX-30 | $2,274 | $190 |
| 36 | Cadillac XT4 | $2,276 | $190 |
| 37 | Volkswagen ID4 | $2,286 | $191 |
| 38 | Ford Explorer | $2,288 | $191 |
| 39 | Toyota Highlander | $2,294 | $191 |
| 40 | Ford Escape | $2,300 | $192 |
| 41 | Toyota Venza | $2,302 | $192 |
| 42 | Honda Odyssey | $2,306 | $192 |
| 43 | Nissan Sentra | $2,312 | $193 |
| 44 | Subaru Impreza | $2,318 | $193 |
| 45 | Chevrolet Equinox | $2,322 | $194 |
| 46 | Toyota RAV4 | $2,326 | $194 |
| 47 | Mazda MX-5 Miata | $2,334 | $195 |
| 48 | Mazda MX-30 | $2,340 | $195 |
| 49 | Hyundai Tucson | $2,346 | $196 |
| 50 | Chevrolet Traverse | $2,354 | $196 |
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 June 27, 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 $2,192 per year or $183 per month
- Subaru Crosstrek insurance – Cheapest compact SUV at $1,862 per year or $155 per month
- Kia K5 insurance – Cheapest midsize car at $2,430 per year or $203 per month
- Honda Passport insurance – Cheapest midsize SUV at $2,010 per year or $168 per month
- Chrysler 300 insurance – Cheapest full-size car at $2,402 per year or $200 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $2,368 per year or $197 per month
- Chevrolet Colorado insurance – Cheapest midsize pickup at $2,222 per year or $185 per month
- Nissan Titan insurance – Cheapest full-size pickup at $2,362 per year or $197 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,566 per year or $214 per month
- Honda Odyssey insurance – Cheapest minivan at $2,306 per year or $192 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $2,334 per year or $195 per month
- Acura Integra insurance – Cheapest compact luxury car at $2,244 per year or $187 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $2,110 per year or $176 per month
- Mercedes-Benz CLA250 insurance – Cheapest midsize luxury car at $2,596 per year or $216 per month
- Jaguar E-Pace insurance – Cheapest midsize luxury SUV at $2,360 per year or $197 per month
- Audi A5 insurance – Cheapest full-size luxury car at $2,998 per year or $250 per month
- Infiniti QX80 insurance – Cheapest full-size luxury SUV at $2,828 per year or $236 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 $2,918 per year and ranges from $2,420 to $6,722 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 $2,000 to $5,564 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $2,410 per year or $201 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 $1,860 to $5,070 per year for the example driver risk profiles, with average cost being $2,234 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 $1,788 to $4,946 per year, with the average cost being $2,150.
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 $2,718 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,258 to $6,228 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 - $2,326 per year or $194 per month
- Rapid City Car Insurance - $2,878 per year or $240 per month
- Aberdeen Car Insurance - $2,312 per year or $193 per month
- Brookings Car Insurance - $2,308 per year or $192 per month
- Watertown Car Insurance - $2,254 per year or $188 per month
- Mitchell Car Insurance - $2,406 per year or $201 per month
- Yankton Car Insurance - $2,536 per year or $211 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 $8,986 per year for a 16-year-old driver, $8,706 per year for a 17-year-old driver, $7,802 per year for an 18-year-old driver, and $7,105 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 $3,112 or more per year.
- A good credit rating can save money. Drivers who maintain a credit score over 800 could save as much as $396 per year when compared to a good credit rating of 670-739. Conversely, a less-than-perfect credit history could cost as much as $459 more per year.
- Fewer accidents saves money. At-fault accidents increase insurance cost, potentially by an additional $3,602 per year for a 20-year-old driver and as much as $1,048 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 $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.