South Dakota Car Insurance Cost for 2022

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 $1,378 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.

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Chart Data Details: Chart shows average South Dakota car insurance rates for 2022 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 May 19, 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$2,324$194
$500$2,736$228
$250$3,172$264
30$1,000$1,218$102
$500$1,452$121
$250$1,692$141
40$1,000$1,164$97
$500$1,378$115
$250$1,600$133
50$1,000$1,064$89
$500$1,256$105
$250$1,456$121
60$1,000$1,044$87
$500$1,232$103
$250$1,430$119

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 2022 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 April 12, 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$1,288$107
Midsize Pickup$1,324$110
Minivan$1,390$116
Midsize SUV$1,396$116
Compact Car$1,418$118
Midsize Car$1,436$120
Half-ton Pickup$1,498$125
Compact Luxury SUV$1,550$129
Large SUV$1,554$130
Compact Luxury Car$1,566$131
Large Car$1,596$133
Heavy Duty Pickup$1,646$137
Midsize Luxury SUV$1,666$139
Midsize Luxury Car$1,826$152
Sports Car$1,944$162
Large Luxury SUV$2,082$174
Large Luxury Car$2,182$182

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.

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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
Ohio$888-$490
Wisconsin$1,036-$342
Iowa$1,102-$276
Indiana$1,138-$240
Illinois$1,232-$146
North Dakota$1,268-$110
Minnesota$1,338-$40
South Dakota$1,378--
Nebraska$1,456$78
Kansas$1,534$156
Missouri$1,614$236
Michigan$2,424$1,046

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.

Top 50 Cheapest Car Insurance Rates in South Dakota
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,050$88
2Nissan Kicks$1,078$90
3Chevrolet Trailblazer$1,084$90
4Honda Passport$1,108$92
5Subaru Crosstrek$1,108$92
6Chevrolet Colorado$1,136$95
7Buick Encore$1,140$95
8Toyota C-HR$1,142$95
9Nissan Rogue Sport$1,152$96
10Hyundai Venue$1,170$98
11Buick Envision$1,174$98
12Kia Seltos$1,178$98
13Ford Maverick$1,180$98
14Acura RDX$1,182$99
15Subaru Ascent$1,186$99
16Toyota Corolla Cross$1,186$99
17Mazda MX-5 Miata$1,196$100
18Subaru Forester$1,196$100
19Hyundai Kona$1,198$100
20Subaru Impreza$1,198$100
21Chevrolet Spark$1,200$100
22Volkswagen Tiguan$1,200$100
23Honda CR-V$1,210$101
24Cadillac XT4$1,212$101
25Mazda CX-30$1,222$102
26Ford Ranger$1,226$102
27Honda HR-V$1,238$103
28Ford Edge$1,244$104
29Ford Ecosport$1,248$104
30Chevrolet Trax$1,262$105
31Subaru Outback$1,266$106
32Acura ILX$1,272$106
33GMC Terrain$1,272$106
34Mitsubishi Eclipse Cross$1,274$106
35Toyota Tacoma$1,280$107
36Hyundai Tucson$1,282$107
37Nissan Murano$1,282$107
38Chevrolet Bolt$1,288$107
39Chevrolet Equinox$1,288$107
40Honda Odyssey$1,290$108
41Toyota Venza$1,292$108
42Volkswagen Taos$1,294$108
43Fiat 500X$1,298$108
44Ford Explorer$1,298$108
45Kia Soul$1,304$109
46Toyota RAV4$1,304$109
47Kia Sorento$1,308$109
48Nissan Frontier$1,314$110
49GMC Canyon$1,320$110
50Hyundai Palisade$1,324$110

    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 March 24, 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 $1,576 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 May 19, 2022
    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$3,572$298
    Safe Driver Age 20$3,128$261
    At-fault Accidents Age 40$2,228$186
    Low Deductibles Age 40$2,028$169
    Safe Driver Age 30$1,654$138
    Safe Driver Age 40$1,576$131
    Safe Driver Age 50$1,434$120
    Safe Driver Age 60$1,410$118
    High Deductibles Age 40$1,344$112
    Discount Rate Age 40$1,304$109

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 May 19, 2022
    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$2,748$229
    Safe Driver Age 20$2,412$201
    At-fault Accidents Age 40$1,728$144
    Low Deductibles Age 40$1,558$130
    Safe Driver Age 30$1,284$107
    Safe Driver Age 40$1,226$102
    Safe Driver Age 50$1,116$93
    Safe Driver Age 60$1,094$91
    High Deductibles Age 40$1,052$88
    Discount Rate Age 40$1,018$85

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 May 19, 2022
    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$3,080$257
    Safe Driver Age 20$2,698$225
    At-fault Accidents Age 40$1,926$161
    Low Deductibles Age 40$1,756$146
    Safe Driver Age 30$1,436$120
    Safe Driver Age 40$1,366$114
    Safe Driver Age 50$1,242$104
    Safe Driver Age 60$1,220$102
    High Deductibles Age 40$1,162$97
    Discount Rate Age 40$1,136$95

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 May 19, 2022
    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$2,750$229
    Safe Driver Age 20$2,408$201
    At-fault Accidents Age 40$1,708$142
    Low Deductibles Age 40$1,570$131
    Safe Driver Age 30$1,272$106
    Safe Driver Age 40$1,210$101
    Safe Driver Age 50$1,102$92
    Safe Driver Age 60$1,082$90
    High Deductibles Age 40$1,024$85
    Discount Rate Age 40$1,004$84

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 May 19, 2022
    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$3,346$279
    Safe Driver Age 20$2,934$245
    At-fault Accidents Age 40$2,070$173
    Low Deductibles Age 40$1,938$162
    Safe Driver Age 30$1,554$130
    Safe Driver Age 40$1,466$122
    Safe Driver Age 50$1,338$112
    Safe Driver Age 60$1,314$110
    High Deductibles Age 40$1,224$102
    Discount Rate Age 40$1,218$102

    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 $4,938 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.