- Average South Dakota car insurance cost is $1,378 per year, or around $115 per month for a full coverage policy.
- When compared to other Midwest states, South Dakota ranks #8 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 $1,378 per year, or around $115 per month, which is 11.2% less than the U.S. average rate of $1,551. South Dakota ranks 19th out of all 50 states for car insurance affordability.
The chart below shows average auto insurance rates in South Dakota for 2022 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 8.7% more than North Dakota, 7.1% less than Montana, 1.4% less than Wyoming, 5.4% more than Nebraska, 25% more than Iowa, and 3% less than Minnesota.
The chart below shows how average South Dakota car insurance rates compare to the rest of the Midwest. Ranked 8th in the Midwest and 27h out of all 50 states, the average cost of car insurance in South Dakota is $1,378 per year.
When compared to states in other parts of the country, the average cost of car insurance in South Dakota is 14.9% cheaper than New York, 30.7% more expensive than Maine, 38.2% cheaper than Florida, 4% cheaper than Texas, and 42.7% 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 2022 Mazda CX-5 in South Dakota costs $1,050 per year. When compared to other states, car insurance on the same vehicle will cost:
- $262 less per year in Wisconsin ($788)
- $32 more per year in Minnesota ($1,018)
- $210 less per year in Iowa ($840)
- $118 more per year in Kansas ($1,168)
- $58 less per year in Nebraska ($1,108)
What is the cheapest car insurance in South Dakota?
When comparing all 2022 vehicles, the models with the best insurance quotes in South Dakota tend to be crossovers and small SUVs like the Nissan Kicks, Chevrolet Trailblazer, Buick Encore, and Toyota C-HR. Average car insurance quotes for those vehicles cost $1,152 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 Hyundai Kona, Subaru Ascent, Subaru Forester, and Ford Maverick. 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 $100 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 ILX at $1,272 per year, the Mercedes-Benz A220 at $1,358 per year, and the BMW 330i at $1,460 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 Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,050 | $88 |
| 2 | Nissan Kicks | $1,078 | $90 |
| 3 | Chevrolet Trailblazer | $1,084 | $90 |
| 4 | Honda Passport | $1,108 | $92 |
| 5 | Subaru Crosstrek | $1,108 | $92 |
| 6 | Chevrolet Colorado | $1,136 | $95 |
| 7 | Buick Encore | $1,140 | $95 |
| 8 | Toyota C-HR | $1,142 | $95 |
| 9 | Nissan Rogue Sport | $1,152 | $96 |
| 10 | Hyundai Venue | $1,170 | $98 |
| 11 | Buick Envision | $1,174 | $98 |
| 12 | Kia Seltos | $1,178 | $98 |
| 13 | Ford Maverick | $1,180 | $98 |
| 14 | Acura RDX | $1,182 | $99 |
| 15 | Subaru Ascent | $1,186 | $99 |
| 16 | Toyota Corolla Cross | $1,186 | $99 |
| 17 | Mazda MX-5 Miata | $1,196 | $100 |
| 18 | Subaru Forester | $1,196 | $100 |
| 19 | Hyundai Kona | $1,198 | $100 |
| 20 | Subaru Impreza | $1,198 | $100 |
| 21 | Chevrolet Spark | $1,200 | $100 |
| 22 | Volkswagen Tiguan | $1,200 | $100 |
| 23 | Honda CR-V | $1,210 | $101 |
| 24 | Cadillac XT4 | $1,212 | $101 |
| 25 | Mazda CX-30 | $1,222 | $102 |
| 26 | Ford Ranger | $1,226 | $102 |
| 27 | Honda HR-V | $1,238 | $103 |
| 28 | Ford Edge | $1,244 | $104 |
| 29 | Ford Ecosport | $1,248 | $104 |
| 30 | Chevrolet Trax | $1,262 | $105 |
| 31 | Subaru Outback | $1,266 | $106 |
| 32 | Acura ILX | $1,272 | $106 |
| 33 | GMC Terrain | $1,272 | $106 |
| 34 | Mitsubishi Eclipse Cross | $1,274 | $106 |
| 35 | Toyota Tacoma | $1,280 | $107 |
| 36 | Hyundai Tucson | $1,282 | $107 |
| 37 | Nissan Murano | $1,282 | $107 |
| 38 | Chevrolet Bolt | $1,288 | $107 |
| 39 | Chevrolet Equinox | $1,288 | $107 |
| 40 | Honda Odyssey | $1,290 | $108 |
| 41 | Toyota Venza | $1,292 | $108 |
| 42 | Volkswagen Taos | $1,294 | $108 |
| 43 | Fiat 500X | $1,298 | $108 |
| 44 | Ford Explorer | $1,298 | $108 |
| 45 | Kia Soul | $1,304 | $109 |
| 46 | Toyota RAV4 | $1,304 | $109 |
| 47 | Kia Sorento | $1,308 | $109 |
| 48 | Nissan Frontier | $1,314 | $110 |
| 49 | GMC Canyon | $1,320 | $110 |
| 50 | Hyundai Palisade | $1,324 | $110 |
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.
- Subaru Impreza insurance – Cheapest compact car at $1,198 per year or $100 per month
- Mazda CX-5 insurance – Cheapest compact SUV at $1,050 per year or $88 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,338 per year or $112 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,108 per year or $92 per month
- Toyota Avalon insurance – Cheapest full-size car at $1,448 per year or $121 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,386 per year or $116 per month
- Chevrolet Colorado insurance – Cheapest midsize pickup at $1,136 per year or $95 per month
- Ford F150 insurance – Cheapest full-size pickup at $1,334 per year or $111 per month
- Ford F350 Super Duty insurance – Cheapest heavy duty pickup at $1,496 per year or $125 per month
- Honda Odyssey insurance – Cheapest minivan at $1,290 per year or $108 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,196 per year or $100 per month
- Mercedes-Benz A220 insurance – Cheapest compact luxury car at $1,358 per year or $113 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,182 per year or $99 per month
- Acura ILX insurance – Cheapest midsize luxury car at $1,272 per year or $106 per month
- Cadillac XT5 insurance – Cheapest midsize luxury SUV at $1,358 per year or $113 per month
- Audi A5 insurance – Cheapest full-size luxury car at $1,620 per year or $135 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $1,494 per year or $125 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 $1,576 per year and ranges from $1,304 to $3,572 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 $1,018 to $2,748 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,226 per year or $102 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 $1,136 to $3,080 per year for the example driver risk profiles, with average cost being $1,366 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 $1,004 to $2,750 per year, with the average cost being $1,210.
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 $1,466 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,218 to $3,346 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 - $1,438 per year or $120 per month
- Rapid City Car Insurance - $1,978 per year or $165 per month
- Aberdeen Car Insurance - $1,424 per year or $119 per month
- Brookings Car Insurance - $1,422 per year or $119 per month
- Watertown Car Insurance - $1,368 per year or $114 per month
- Mitchell Car Insurance - $1,516 per year or $126 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 $4,938 per year for a 16-year-old driver, $4,614 per year for a 17-year-old driver, $4,308 per year for a 18-year-old driver, and $3,896 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 $1,672 or more per year.
- A good credit rating can save money. Drivers who maintain a credit score over 800 could save as much as $216 per year when compared to a good credit rating of 670-739. Conversely, a less-than-perfect credit history could cost as much as $251 more per year.
- Fewer accidents saves money. At-fault accidents increase insurance cost, potentially by an additional $1,924 per year for a 20-year-old driver and as much as $568 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 $232 per year for a 40-year-old driver and $452 per year for a 20-year-old driver.
