- Average South Dakota car insurance cost is $1,852 per year, or around $154 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 $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.
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 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.
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.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,402 | $117 |
| 2 | Subaru Crosstrek | $1,416 | $118 |
| 3 | Nissan Kicks | $1,418 | $118 |
| 4 | Honda Passport | $1,440 | $120 |
| 5 | Nissan Rogue Sport | $1,444 | $120 |
| 6 | Mazda CX-5 | $1,454 | $121 |
| 7 | Buick Encore | $1,474 | $123 |
| 8 | Buick Envision | $1,482 | $124 |
| 9 | Kia Seltos | $1,500 | $125 |
| 10 | Subaru Ascent | $1,506 | $126 |
| 11 | Hyundai Venue | $1,510 | $126 |
| 12 | Subaru Impreza | $1,534 | $128 |
| 13 | Ford Maverick | $1,538 | $128 |
| 14 | Honda HR-V | $1,538 | $128 |
| 15 | Chevrolet Colorado | $1,540 | $128 |
| 16 | Acura RDX | $1,546 | $129 |
| 17 | Hyundai Kona | $1,552 | $129 |
| 18 | Subaru Forester | $1,562 | $130 |
| 19 | Honda CR-V | $1,568 | $131 |
| 20 | Ford Edge | $1,570 | $131 |
| 21 | Mazda CX-30 | $1,572 | $131 |
| 22 | Ford Explorer | $1,578 | $132 |
| 23 | Volkswagen Atlas | $1,582 | $132 |
| 24 | Chevrolet Trax | $1,588 | $132 |
| 25 | Nissan Murano | $1,590 | $133 |
| 26 | Subaru Outback | $1,594 | $133 |
| 27 | Nissan Frontier | $1,600 | $133 |
| 28 | Volkswagen Tiguan | $1,606 | $134 |
| 29 | Ford Bronco Sport | $1,612 | $134 |
| 30 | Fiat 500X | $1,640 | $137 |
| 31 | Ford Ranger | $1,644 | $137 |
| 32 | Kia Soul | $1,644 | $137 |
| 33 | GMC Terrain | $1,646 | $137 |
| 34 | Mitsubishi Eclipse Cross | $1,650 | $138 |
| 35 | Volkswagen Atlas Cross Sport | $1,652 | $138 |
| 36 | Lexus RX 350 | $1,658 | $138 |
| 37 | Acura Integra | $1,662 | $139 |
| 38 | Chevrolet Equinox | $1,666 | $139 |
| 39 | Cadillac XT4 | $1,670 | $139 |
| 40 | Toyota Corolla Cross | $1,670 | $139 |
| 41 | Volkswagen Taos | $1,676 | $140 |
| 42 | GMC Canyon | $1,680 | $140 |
| 43 | Toyota Venza | $1,686 | $141 |
| 44 | Mazda CX-50 | $1,688 | $141 |
| 45 | Volkswagen Jetta | $1,690 | $141 |
| 46 | Honda Odyssey | $1,692 | $141 |
| 47 | Toyota Tacoma | $1,692 | $141 |
| 48 | Hyundai Tucson | $1,694 | $141 |
| 49 | Ford Escape | $1,696 | $141 |
| 50 | Kia Sorento | $1,698 | $142 |
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 $1,534 per year or $128 per month
- Chevrolet Trailblazer insurance – Cheapest compact SUV at $1,402 per year or $117 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,704 per year or $142 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,440 per year or $120 per month
- Chrysler 300 insurance – Cheapest full-size car at $1,806 per year or $151 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,734 per year or $145 per month
- Ford Maverick insurance – Cheapest midsize pickup at $1,538 per year or $128 per month
- Nissan Titan insurance – Cheapest full-size pickup at $1,830 per year or $153 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $1,896 per year or $158 per month
- Honda Odyssey insurance – Cheapest minivan at $1,692 per year or $141 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,710 per year or $143 per month
- Acura Integra insurance – Cheapest compact luxury car at $1,662 per year or $139 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,546 per year or $129 per month
- Cadillac CT5 insurance – Cheapest midsize luxury car at $1,992 per year or $166 per month
- Lexus RX 350 insurance – Cheapest midsize luxury SUV at $1,658 per year or $138 per month
- Audi A5 insurance – Cheapest full-size luxury car at $2,078 per year or $173 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $1,910 per year or $159 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 $2,022 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.
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.
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.
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.
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.
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 - $1,654 per year or $138 per month
- Rapid City Car Insurance - $2,212 per year or $184 per month
- Aberdeen Car Insurance - $1,636 per year or $136 per month
- Brookings Car Insurance - $1,636 per year or $136 per month
- Watertown Car Insurance - $1,582 per year or $132 per month
- Mitchell Car Insurance - $1,734 per year or $145 per month
- Yankton Car Insurance - $1,862 per year or $155 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 $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.
