South Dakota Car Insurance Cost for 2023

How much does auto insurance cost in South Dakota? We break down average insurance rates and reveal the vehicles with the cheapest car insurance quotes.

Start a Free QuoteCompare South Dakota car insurance quotes and save on your next policy.

What is average car insurance cost in South Dakota?

Average car insurance rates in South Dakota cost $1,852 per year, or around $154 per month, which is 6.9% more than the U.S. average rate of $1,728. 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 2023 model year vehicles. Cost is included for drivers age 20 to 60 and for three different policy deductible levels.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average South Dakota car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all South Dakota zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in South Dakota
Average Car Insurance Cost in South Dakota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,118$260
$500$3,682$307
$250$4,278$357
30$1,000$1,634$136
$500$1,950$163
$250$2,278$190
40$1,000$1,562$130
$500$1,852$154
$250$2,152$179
50$1,000$1,426$119
$500$1,686$141
$250$1,956$163
60$1,000$1,400$117
$500$1,656$138
$250$1,922$160

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average South Dakota car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all South Dakota Zip Codes.Data last updated on August 12, 2023
South Dakota Car Insurance Rates by Vehicle Segment
South Dakota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,684$140
Midsize Pickup$1,748$146
Midsize SUV$1,806$151
Minivan$1,814$151
Compact Car$1,842$154
Midsize Car$1,888$157
Compact Luxury SUV$2,004$167
Half-ton Pickup$2,006$167
Large SUV$2,026$169
Compact Luxury Car$2,034$170
Heavy Duty Pickup$2,126$177
Midsize Luxury SUV$2,148$179
Large Car$2,150$179
Midsize Luxury Car$2,352$196
Sports Car$2,530$211
Large Luxury SUV$2,722$227
Large Luxury Car$2,858$238

How does South Dakota car insurance cost compare?

When compared to surrounding states, South Dakota car insurance rates are 21% more than North Dakota, 11.2% more than Montana, 14.4% more than Wyoming, 20.2% more than Nebraska, 41.3% more than Iowa, and 17.6% 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 $1,852 per year.

Get Rates in Your AreaWhy is this important?

South Dakota Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in South Dakota Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Iowa$1,218-$634
Ohio$1,268-$584
Wisconsin$1,298-$554
Indiana$1,356-$496
North Dakota$1,500-$352
Nebraska$1,512-$340
Minnesota$1,552-$300
Illinois$1,586-$266
Kansas$1,776-$76
South Dakota$1,852--
Missouri$2,030$178
Michigan$2,438$586

When compared to states in other parts of the country, the average cost of car insurance in South Dakota is 11.8% cheaper than New York, 50.9% more expensive than Maine, 18.3% cheaper than Florida, 10% more expensive than Texas, and 47.4% 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 2023 Mazda CX-5 in South Dakota costs $1,454 per year. When compared to other states, car insurance on the same vehicle will cost:

  • $434 less per year in Wisconsin ($1,020)
  • $234 less per year in Minnesota ($1,220)
  • $500 less per year in Iowa ($954)
  • $58 less per year in Kansas ($1,396)
  • $266 less per year in Nebraska ($1,188)

What is the cheapest car insurance in South Dakota?

When comparing all 2023 vehicles, the models with the best insurance quotes in South Dakota tend to be crossovers and small SUVs like the Subaru Crosstrek, Nissan Kicks, Buick Encore, and Mazda CX-5. Average car insurance quotes for those vehicles cost $1,482 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, Acura RDX, Ford Edge, 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 $131 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 $1,662 per year, the BMW 330i at $1,880 per year, and the Acura TLX at $1,910 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.

Top 50 Cheapest Car Insurance Rates in South Dakota
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,402$117
2Subaru Crosstrek$1,416$118
3Nissan Kicks$1,418$118
4Honda Passport$1,440$120
5Nissan Rogue Sport$1,444$120
6Mazda CX-5$1,454$121
7Buick Encore$1,474$123
8Buick Envision$1,482$124
9Kia Seltos$1,500$125
10Subaru Ascent$1,506$126
11Hyundai Venue$1,510$126
12Subaru Impreza$1,534$128
13Ford Maverick$1,538$128
14Honda HR-V$1,538$128
15Chevrolet Colorado$1,540$128
16Acura RDX$1,546$129
17Hyundai Kona$1,552$129
18Subaru Forester$1,562$130
19Honda CR-V$1,568$131
20Ford Edge$1,570$131
21Mazda CX-30$1,572$131
22Ford Explorer$1,578$132
23Volkswagen Atlas$1,582$132
24Chevrolet Trax$1,588$132
25Nissan Murano$1,590$133
26Subaru Outback$1,594$133
27Nissan Frontier$1,600$133
28Volkswagen Tiguan$1,606$134
29Ford Bronco Sport$1,612$134
30Fiat 500X$1,640$137
31Ford Ranger$1,644$137
32Kia Soul$1,644$137
33GMC Terrain$1,646$137
34Mitsubishi Eclipse Cross$1,650$138
35Volkswagen Atlas Cross Sport$1,652$138
36Lexus RX 350$1,658$138
37Acura Integra$1,662$139
38Chevrolet Equinox$1,666$139
39Cadillac XT4$1,670$139
40Toyota Corolla Cross$1,670$139
41Volkswagen Taos$1,676$140
42GMC Canyon$1,680$140
43Toyota Venza$1,686$141
44Mazda CX-50$1,688$141
45Volkswagen Jetta$1,690$141
46Honda Odyssey$1,692$141
47Toyota Tacoma$1,692$141
48Hyundai Tucson$1,694$141
49Ford Escape$1,696$141
50Kia Sorento$1,698$142

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in South Dakota.Data last updated on August 11, 2023
    Top 50 Cheapest Car Insurance Rates in South Dakota

    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.

    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 $2,022 per year and ranges from $1,678 to $4,584 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in South Dakota includes all Zip Codes and vehicle trim levels.Data last updated on August 11, 2023
    Ram Truck Insurance Cost in South Dakota
    2023 Ram Truck Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,584$382
    Safe Driver Age 20$4,018$335
    At-fault Accidents Age 40$2,854$238
    Low Deductibles Age 40$2,614$218
    Safe Driver Age 30$2,124$177
    Safe Driver Age 40$2,022$169
    Safe Driver Age 50$1,842$154
    Safe Driver Age 60$1,806$151
    High Deductibles Age 40$1,716$143
    Discount Rate Age 40$1,678$140

    Ford Ranger insurance rates

    Ford Ranger car insurance rates in South Dakota range from $1,364 to $3,712 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,644 per year or $137 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Ford Ranger with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Ranger car insurance cost in South Dakota includes all Zip Codes and vehicle trim levels.Data last updated on August 12, 2023
    Ford Ranger Insurance Cost in South Dakota
    2023 Ford Ranger Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,712$309
    Safe Driver Age 20$3,250$271
    At-fault Accidents Age 40$2,322$194
    Low Deductibles Age 40$2,102$175
    Safe Driver Age 30$1,722$144
    Safe Driver Age 40$1,644$137
    Safe Driver Age 50$1,498$125
    Safe Driver Age 60$1,470$123
    High Deductibles Age 40$1,406$117
    Discount Rate Age 40$1,364$114

    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 $1,504 to $4,088 per year for the example driver risk profiles, with average cost being $1,812 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in South Dakota includes all Zip Codes and vehicle trim levels.Data last updated on August 12, 2023
    Honda Civic Insurance Cost in South Dakota
    2023 Honda Civic Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,088$341
    Safe Driver Age 20$3,582$299
    At-fault Accidents Age 40$2,556$213
    Low Deductibles Age 40$2,334$195
    Safe Driver Age 30$1,902$159
    Safe Driver Age 40$1,812$151
    Safe Driver Age 50$1,648$137
    Safe Driver Age 60$1,616$135
    High Deductibles Age 40$1,540$128
    Discount Rate Age 40$1,504$125

    Honda CR-V insurance rates

    Average Honda CR-V insurance rates in South Dakota as shown in the chart below range from $1,306 to $3,586 per year, with the average cost being $1,568.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in South Dakota includes all Zip Codes and vehicle trim levels.Data last updated on August 12, 2023
    Honda CR-V Insurance Cost in South Dakota
    2023 Honda CR-V Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,586$299
    Safe Driver Age 20$3,140$262
    At-fault Accidents Age 40$2,222$185
    Low Deductibles Age 40$2,040$170
    Safe Driver Age 30$1,650$138
    Safe Driver Age 40$1,568$131
    Safe Driver Age 50$1,432$119
    Safe Driver Age 60$1,408$117
    High Deductibles Age 40$1,328$111
    Discount Rate Age 40$1,306$109

    Ford Expedition insurance rates

    The average cost for Ford Expedition insurance in South Dakota is $1,904 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,584 to $4,332 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Ford Expedition with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Expedition car insurance cost in South Dakota includes all Zip Codes and vehicle trim levels.Data last updated on August 11, 2023
    Ford Expedition Insurance Cost in South Dakota
    2023 Ford Expedition Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,332$361
    Safe Driver Age 20$3,796$316
    At-fault Accidents Age 40$2,680$223
    Low Deductibles Age 40$2,516$210
    Safe Driver Age 30$2,016$168
    Safe Driver Age 40$1,904$159
    Safe Driver Age 50$1,736$145
    Safe Driver Age 60$1,706$142
    High Deductibles Age 40$1,592$133
    Discount Rate Age 40$1,584$132

    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.

    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 $6,630 per year for a 16-year-old driver, $6,198 per year for a 17-year-old driver, $5,794 per year for an 18-year-old driver, and $5,242 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 $2,254 or more per year.
    • A good credit rating can save money. Drivers who maintain a credit score over 800 could save as much as $291 per year when compared to a good credit rating of 670-739. Conversely, a less-than-perfect credit history could cost as much as $337 more per year.
    • Fewer accidents saves money. At-fault accidents increase insurance cost, potentially by an additional $2,588 per year for a 20-year-old driver and as much as $758 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 $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.