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.

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What is average car insurance cost in South Dakota?

Average car insurance rates in South Dakota cost $1,812 per year, or around $151 per month, which is 7.5% more than the U.S. average rate of $1,685. 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 December 30, 2022
Average Car Insurance Cost in South Dakota
Average Car Insurance Cost in South Dakota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,054$255
$500$3,606$301
$250$4,190$349
30$1,000$1,600$133
$500$1,910$159
$250$2,230$186
40$1,000$1,530$128
$500$1,812$151
$250$2,108$176
50$1,000$1,396$116
$500$1,650$138
$250$1,916$160
60$1,000$1,370$114
$500$1,620$135
$250$1,882$157

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 December 30, 2022
South Dakota Car Insurance Rates by Vehicle Segment
South Dakota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,652$138
Midsize Pickup$1,712$143
Midsize SUV$1,768$147
Minivan$1,776$148
Compact Car$1,806$151
Midsize Car$1,846$154
Compact Luxury SUV$1,960$163
Half-ton Pickup$1,966$164
Large SUV$1,982$165
Compact Luxury Car$1,996$166
Heavy Duty Pickup$2,084$174
Midsize Luxury SUV$2,106$176
Large Car$2,108$176
Midsize Luxury Car$2,306$192
Sports Car$2,478$207
Large Luxury SUV$2,664$222
Large Luxury Car$2,798$233

How does South Dakota car insurance cost compare?

When compared to surrounding states, South Dakota car insurance rates are 23.9% more than North Dakota, 11.9% more than Montana, 15.7% more than Wyoming, 22.9% more than Nebraska, 53.6% more than Iowa, and 19.8% 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 $1,812 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$1,180-$632
Ohio$1,230-$582
Wisconsin$1,260-$552
Indiana$1,318-$494
North Dakota$1,462-$350
Nebraska$1,474-$338
Minnesota$1,512-$300
Illinois$1,546-$266
Kansas$1,738-$74
South Dakota$1,812--
Missouri$1,990$178
Michigan$2,414$602

When compared to states in other parts of the country, the average cost of car insurance in South Dakota is 11.3% cheaper than New York, 70.6% more expensive than Maine, 17.5% cheaper than Florida, 10.6% more expensive than Texas, and 64.7% 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 2023 Mazda CX-5 in South Dakota costs $1,422 per year. When compared to other states, car insurance on the same vehicle will cost:

  • $432 less per year in Wisconsin ($990)
  • $232 less per year in Minnesota ($1,190)
  • $496 less per year in Iowa ($926)
  • $56 less per year in Kansas ($1,366)
  • $264 less per year in Nebraska ($1,158)

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 $1,448 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 $128 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 $1,628 per year, the BMW 330i at $1,842 per year, and the Acura TLX at $1,870 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$1,372$114
2Subaru Crosstrek$1,382$115
3Nissan Kicks$1,392$116
4Honda Passport$1,408$117
5Nissan Rogue Sport$1,414$118
6Mazda CX-5$1,422$119
7Buick Encore$1,446$121
8Buick Envision$1,448$121
9Kia Seltos$1,468$122
10Subaru Ascent$1,472$123
11Hyundai Venue$1,480$123
12Subaru Impreza$1,498$125
13Ford Maverick$1,508$126
14Honda HR-V$1,508$126
15Chevrolet Colorado$1,510$126
16Acura RDX$1,512$126
17Hyundai Kona$1,520$127
18Subaru Forester$1,528$127
19Ford Edge$1,534$128
20Honda CR-V$1,538$128
21Mazda CX-30$1,538$128
22Ford Explorer$1,542$129
23Volkswagen Atlas$1,546$129
24Chevrolet Trax$1,558$130
25Nissan Murano$1,558$130
26Subaru Outback$1,558$130
27Nissan Frontier$1,564$130
28Volkswagen Tiguan$1,574$131
29Ford Bronco Sport$1,580$132
30Fiat 500X$1,608$134
31GMC Terrain$1,610$134
32Ford Ranger$1,612$134
33Kia Soul$1,614$135
34Mitsubishi Eclipse Cross$1,616$135
35Volkswagen Atlas Cross Sport$1,618$135
36Lexus RX 350$1,620$135
37Acura Integra$1,628$136
38Chevrolet Equinox$1,632$136
39Cadillac XT4$1,636$136
40Toyota Corolla Cross$1,638$137
41Volkswagen Taos$1,646$137
42GMC Canyon$1,648$137
43Toyota Venza$1,652$138
44Mazda CX-50$1,654$138
45Volkswagen Jetta$1,656$138
46Honda Odyssey$1,658$138
47Toyota Tacoma$1,658$138
48Hyundai Tucson$1,662$139
49Kia Sorento$1,662$139
50Ford Escape$1,664$139

    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 December 30, 2022
    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 $1,982 per year and ranges from $1,642 to $4,490 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 December 30, 2022
    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$4,490$374
    Safe Driver Age 20$3,934$328
    At-fault Accidents Age 40$2,796$233
    Low Deductibles Age 40$2,562$214
    Safe Driver Age 30$2,084$174
    Safe Driver Age 40$1,982$165
    Safe Driver Age 50$1,802$150
    Safe Driver Age 60$1,770$148
    High Deductibles Age 40$1,682$140
    Discount Rate Age 40$1,642$137

    Ford Ranger insurance rates

    Ford Ranger car insurance rates in South Dakota range from $1,334 to $3,634 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,612 per year or $134 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 December 30, 2022
    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$3,634$303
    Safe Driver Age 20$3,184$265
    At-fault Accidents Age 40$2,274$190
    Low Deductibles Age 40$2,060$172
    Safe Driver Age 30$1,686$141
    Safe Driver Age 40$1,612$134
    Safe Driver Age 50$1,466$122
    Safe Driver Age 60$1,436$120
    High Deductibles Age 40$1,376$115
    Discount Rate Age 40$1,334$111

    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 $1,474 to $4,004 per year for the example driver risk profiles, with average cost being $1,774 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 December 30, 2022
    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$4,004$334
    Safe Driver Age 20$3,508$292
    At-fault Accidents Age 40$2,498$208
    Low Deductibles Age 40$2,286$191
    Safe Driver Age 30$1,864$155
    Safe Driver Age 40$1,774$148
    Safe Driver Age 50$1,614$135
    Safe Driver Age 60$1,586$132
    High Deductibles Age 40$1,508$126
    Discount Rate Age 40$1,474$123

    Honda CR-V insurance rates

    Average Honda CR-V insurance rates in South Dakota as shown in the chart below range from $1,278 to $3,514 per year, with the average cost being $1,538.

    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 December 30, 2022
    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$3,514$293
    Safe Driver Age 20$3,076$256
    At-fault Accidents Age 40$2,176$181
    Low Deductibles Age 40$2,000$167
    Safe Driver Age 30$1,616$135
    Safe Driver Age 40$1,538$128
    Safe Driver Age 50$1,400$117
    Safe Driver Age 60$1,378$115
    High Deductibles Age 40$1,302$109
    Discount Rate Age 40$1,278$107

    Ford Expedition insurance rates

    The average cost for Ford Expedition insurance in South Dakota is $1,864 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,550 to $4,242 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 December 29, 2022
    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$4,242$354
    Safe Driver Age 20$3,716$310
    At-fault Accidents Age 40$2,624$219
    Low Deductibles Age 40$2,462$205
    Safe Driver Age 30$1,972$164
    Safe Driver Age 40$1,864$155
    Safe Driver Age 50$1,698$142
    Safe Driver Age 60$1,668$139
    High Deductibles Age 40$1,558$130
    Discount Rate Age 40$1,550$129

    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 $6,492 per year for a 16-year-old driver, $6,072 per year for a 17-year-old driver, $5,672 per year for an 18-year-old driver, and $5,132 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 $2,208 or more per year.
    • A good credit rating can save money. Drivers who maintain a credit score over 800 could save as much as $284 per year when compared to a good credit rating of 670-739. Conversely, a less-than-perfect credit history could cost as much as $330 more per year.
    • Fewer accidents saves money. At-fault accidents increase insurance cost, potentially by an additional $2,540 per year for a 20-year-old driver and as much as $744 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 $276 per year for a 40-year-old driver and $538 per year for a 20-year-old driver.