South Dakota Car Insurance Cost for 2021

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.

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What is average car insurance cost in South Dakota?

Average car insurance rates in South Dakota cost $1,254 per year, or around $105 per month, which is 17.7% less than the U.S. average rate of $1,523. 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 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all South Dakota zip codes.
Average Car Insurance Cost in South Dakota
Average Car Insurance Cost in South Dakota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,114$176
$500$2,492$208
$250$2,890$241
30$1,000$1,110$93
$500$1,322$110
$250$1,542$129
40$1,000$1,060$88
$500$1,254$105
$250$1,456$121
50$1,000$968$81
$500$1,142$95
$250$1,324$110
60$1,000$952$79
$500$1,124$94
$250$1,302$109

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 2021 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.
South Dakota Car Insurance Rates by Vehicle Segment
South Dakota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,130$94
Midsize Truck$1,140$95
Large Van$1,144$95
Midsize Minivan$1,166$97
Midsize SUV$1,222$102
Midsize Van$1,230$103
Small Car$1,260$105
Large Truck$1,268$106
Midsize Car$1,286$107
Large SUV$1,298$108
Small Luxury SUV$1,316$110
Large Car$1,364$114
Heavy Duty Truck$1,410$118
Midsize Luxury SUV$1,412$118
Small Luxury Car$1,458$122
Midsize Luxury Car$1,662$139
Large Luxury SUV$1,694$141
Sports Car$1,832$153
Large Luxury Car$1,936$161
Exotic Car$2,576$215

How does South Dakota car insurance cost compare?

When compared to surrounding states, South Dakota car insurance rates are 7.4% more than North Dakota, 9.9% less than Montana, 7.1% less than Wyoming, 4.5% more than Nebraska, 25.1% more than Iowa, and 6.8% 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 19th out of all 50 states, the average cost of car insurance in South Dakota is $1,254 per year.

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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$1,002-$252
Ohio$1,024-$230
Illinois$1,078-$176
Indiana$1,102-$152
Wisconsin$1,104-$150
North Dakota$1,168-$86
Nebraska$1,200-$54
South Dakota$1,254--
Kansas$1,318$64
Missouri$1,332$78
Minnesota$1,346$92
Michigan$2,720$1,466

When compared to states in other parts of the country, the average cost of car insurance in South Dakota is 25.4% cheaper than New York, 30.6% more expensive than Maine, 38.7% cheaper than Florida, 14.8% cheaper than Texas, and 21.5% 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 2021 Mazda CX-5 in South Dakota costs $1,014 per year. When compared to other states, car insurance on the same vehicle will cost:

  • $122 less per year in Wisconsin ($892)
  • $68 more per year in Minnesota ($1,082)
  • $204 less per year in Iowa ($810)
  • $48 more per year in Kansas ($1,062)
  • $48 less per year in Nebraska ($966)

What is the cheapest car insurance in South Dakota?

For the cheapest car insurance quotes, South Dakota drivers will want to consider models like the Subaru Forester, Honda CR-V, Mazda CX-3, Kia Sportage, and Toyota C-HR.

Other models that rank very well for auto insurance cost in South Dakota include the Ford Edge, Volkswagen Golf, Mazda CX-5, and Subaru CrossTrek.

The cheapest pickups to insure in South Dakota are the midsize Toyota Tacoma at an average cost of $1,058 per year and the Chevrolet Colorado at $1,066 per year.

For full-size pickups, the Ford F-150 has the cheapest insurance rates at an average of $1,198 per year.

For luxury car models, the cheapest luxury car insurance in South Dakota can be found on the Mercedes-Benz A220 at $1,230 per year, the Acura ILX at $1,172 per year, and the Volvo S90 at $1,370 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
1Subaru Forester$934$78
2Honda CR-V$946$79
3Ram Promaster City$982$82
4Mazda CX-3$988$82
5Kia Sportage$996$83
6Toyota C-HR$996$83
7Ford Edge$998$83
8Volkswagen Golf$1,000$83
9Mazda CX-5$1,014$85
10Subaru Crosstrek$1,024$85
11Chevrolet Spark$1,034$86
12Volvo XC40$1,036$86
13Hyundai Venue$1,042$87
14Volkswagen Atlas$1,050$88
15Subaru Impreza$1,054$88
16Hyundai Kona$1,056$88
17Kia Soul$1,056$88
18Toyota Tacoma$1,058$88
19Kia Telluride$1,060$88
20Chevrolet Blazer$1,064$89
21Jeep Compass$1,064$89
22Chevrolet Colorado$1,066$89
23Kia Rio5$1,066$89
24Kia Sedona$1,066$89
25Subaru Outback$1,066$89
26Honda Passport$1,068$89
27Mazda CX-30$1,068$89
28Nissan Kicks$1,068$89
29Ford Escape$1,072$89
30Mitsubishi Eclipse Cross$1,072$89
31Subaru Ascent$1,072$89
32Hyundai Tucson$1,074$90
33Nissan Frontier$1,080$90
34Volkswagen Tiguan$1,082$90
35Acura RDX$1,086$91
36Honda Pilot$1,086$91
37Toyota Corolla$1,088$91
38Ford Ecosport$1,092$91
39Buick Envision$1,098$92
40Kia Seltos$1,100$92
41Nissan Rogue Sport$1,108$92
42Chevrolet Trax$1,112$93
43Chevrolet Trailblazer$1,114$93
44Cadillac XT4$1,120$93
45Buick Encore$1,122$94
46Chevrolet Express$1,124$94
47Jeep Renegade$1,128$94
48Nissan Rogue$1,132$94
49Chevrolet Equinox$1,134$95
50Nissan Murano$1,134$95

    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.
    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 $1,364 per year and ranges from $1,130 to $3,102 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 2021 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.
    Ram Truck Insurance Cost in South Dakota
    Ram Truck Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,102$259
    Safe Driver Age 20$2,716$226
    At-fault Accidents Age 40$1,934$161
    Low Deductibles Age 40$1,746$146
    Safe Driver Age 30$1,426$119
    Safe Driver Age 40$1,364$114
    Safe Driver Age 50$1,244$104
    Safe Driver Age 60$1,220$102
    High Deductibles Age 40$1,168$97
    Discount Rate Age 40$1,130$94

    Ford Ranger insurance rates

    Ford Ranger car insurance rates in South Dakota range from $968 to $2,636 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,162 per year or $97 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 2021 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.
    Ford Ranger Insurance Cost in South Dakota
    Ford Ranger Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,636$220
    Safe Driver Age 20$2,310$193
    At-fault Accidents Age 40$1,646$137
    Low Deductibles Age 40$1,490$124
    Safe Driver Age 30$1,220$102
    Safe Driver Age 40$1,162$97
    Safe Driver Age 50$1,060$88
    Safe Driver Age 60$1,040$87
    High Deductibles Age 40$994$83
    Discount Rate Age 40$968$81

    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 $980 to $2,666 per year for the example driver risk profiles, with average cost being $1,178 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 2021 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.
    Honda Civic Insurance Cost in South Dakota
    Honda Civic Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,666$222
    Safe Driver Age 20$2,338$195
    At-fault Accidents Age 40$1,662$139
    Low Deductibles Age 40$1,528$127
    Safe Driver Age 30$1,240$103
    Safe Driver Age 40$1,178$98
    Safe Driver Age 50$1,072$89
    Safe Driver Age 60$1,054$88
    High Deductibles Age 40$998$83
    Discount Rate Age 40$980$82

    Honda CR-V insurance rates

    Average Honda CR-V insurance rates in South Dakota as shown in the chart below range from $786 to $2,124 per year, with the average cost being $946.

    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 2021 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.
    Honda CR-V Insurance Cost in South Dakota
    Honda CR-V Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,124$177
    Safe Driver Age 20$1,862$155
    At-fault Accidents Age 40$1,322$110
    Low Deductibles Age 40$1,232$103
    Safe Driver Age 30$998$83
    Safe Driver Age 40$946$79
    Safe Driver Age 50$860$72
    Safe Driver Age 60$844$70
    High Deductibles Age 40$798$67
    Discount Rate Age 40$786$66

    Ford Expedition insurance rates

    The average cost for Ford Expedition insurance in South Dakota is $1,298 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,080 to $2,954 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 2021 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.
    Ford Expedition Insurance Cost in South Dakota
    Ford Expedition Insurance Cost in South Dakota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,954$246
    Safe Driver Age 20$2,588$216
    At-fault Accidents Age 40$1,834$153
    Low Deductibles Age 40$1,696$141
    Safe Driver Age 30$1,370$114
    Safe Driver Age 40$1,298$108
    Safe Driver Age 50$1,184$99
    Safe Driver Age 60$1,162$97
    High Deductibles Age 40$1,094$91
    Discount Rate Age 40$1,080$90

    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 $4,498 per year for a 16-year-old driver, $4,204 per year for a 17-year-old driver, $3,924 per year for a 18-year-old driver, and $3,550 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 $1,526 or more per year.
    • A good credit rating can save money. Drivers who maintain a credit score over 800 could save as much as $197 per year when compared to a good credit rating of 670-739. Conversely, a less-than-perfect credit history could cost as much as $228 more per year.
    • Fewer accidents saves money. At-fault accidents increase insurance cost, potentially by an additional $1,754 per year for a 20-year-old driver and as much as $516 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 $236 per year for a 40-year-old driver and $458 per year for a 20-year-old driver.