South Dakota Car Insurance Rates

Estimated insurance rates in South Dakota for 2018 are $1,046 a year with full coverage. Comprehensive insurance, collision, and liability cost on average $232, $426, and $270, respectively. Pine Ridge and Lead have more expensive auto insurance rates, and the three largest writers in South Dakota are State Farm, Progressive, and American Family.

Average rate for full coverage: $1,046

Rate estimates by type of coverage:

Comprehensive $232
Collision $426
Liability $270

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Auto Insurance in South Dakota

For a 40-year-old driver, insurance rates go from as low as $320 for liability-only coverage to the much higher price of $2,260 for high-risk insurance.

Liability Only $320
Full Coverage $1,046
High Risk $2,260

These rate differences demonstrate why everyone should get quotes based on a specific location and risk profile, instead of using generic averages.

Use the form below to get accurate rates for your location.

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South Dakota car insurance rate comparison chart
Column chart showing South Dakota car insurance prices range from $600 to $3,852 for full coverage

The chart above shows South Dakota car insurance rates for different risk profiles and scenarios. The best rate after discounts is $600. Drivers who choose higher $1,000 deductibles will pay around $896. The average rate for a 40-year-old male driver using $500 deductibles is $1,046. Selecting more expensive $100 deductibles for comp and collision coverage could cause an increase to $1,336. High risk drivers could be charged up to $2,260. The rate for full coverage for a teen driver can get as high as $3,852.

Insurance rates in South Dakota also have a wide range based on your driving characteristics, the make and model of your vehicle, and policy deductibles and limits.

Where you choose to live in South Dakota plays a big part in determining prices for auto insurance prices. Areas with less traffic congestion could see prices as low as $800 a year, whereas some areas in Pine Ridge and Lead could have rates closer to $1,500. Geographically different areas within the same city can have very different rates.

These rate differences highlight why it is so important to get rates based on your location.

View Chart as Image

South Dakota insurance rates by city

The type of vehicle you drive makes a big difference in how much you will pay for insurance in South Dakota. Electing to drive a more affordable and safe vehicle will cost less to insure primarily due to cheaper replacement cost and less likelihood of injuries in accidents. The table below shows premium estimates for the best selling vehicles on the road in South Dakota.

South Dakota Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,1045.3%
Dodge Ram$1,1347.8%
Ford Escape$870-20.2%
Ford Focus$1,012-3.4%
Ford Fusion$1,1125.9%
Ford F-150$986-6.1%
GMC Acadia$966-8.3%
GMC Sierra$1,0883.9%
Honda Accord$976-7.2%
Honda Civic$1,1428.4%
Honda CR-V$848-23.3%
Honda Pilot$996-5%
Hyundai Sonata$1,0621.5%
Kia Optima$1,0823.3%
Nissan Altima$1,0783%
Nissan Rogue$1,0500.4%
Toyota Camry$1,0682.1%
Toyota Corolla$1,044-0.2%
Toyota Prius$972-7.6%
Toyota RAV4$988-5.9%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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A more mature driver with a clean driving record and high deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers can expect to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 128% more than average. View High Risk Driver Rates

The company you buy your policy from obviously affects your policy price. In South Dakota, every insurance company has a different rate structure, and prices have large differences based on your risk profile. In South Dakota, car insurance prices range from $644 with USAA to as high as $2,479 with Safeco. Companies like Auto-Owners, State Farm, and Farmers Mutual of Nebraska generally fall somewhere towards the middle.

Those most likely are not the rates you would pay, as any driving violations, the vehicle you are insuring, and where you live in South Dakota all influence the price.

South Dakota Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm19.90%$987
2Progressive13.82%$1,255
3American Family9.90%$1,451
4Nationwide5.47%$1,132
5Farmers Insurance5.01%$1,088
6Farmers Mutual of Nebraska4.80%$1,016
7Farm Bureau4.65%$1,247
8USAA3.78%$644
9De Smet Farm Mutual3.75%N/A
10Geico2.96%$1,650
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Choosing high deductibles can save as much as $440 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $243 more per year. View Rates by Deductible or Liability Limit

With so much difference in rates, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be substantially different from one company to the next.

South Dakota Auto Insurance Articles

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Rates by Driver Age

South Dakota Insurance Rates by Driver Age
Driver AgePremium
16$3,852
20$2,416
30$1,094
40$1,046
50$956
60$938

Full coverage, $500 deductibles

Rates by Deductible

South Dakota Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,336
$250$1,202
$500$1,046
$1,000$896

Full coverage, driver age 40

Rates by Liability Limit

South Dakota Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,046
50/100$1,100
100/300$1,168
250/500$1,343
100 CSL$1,127
300 CSL$1,276
500 CSL$1,384

Full coverage, driver age 40

Rates for High Risk Drivers

South Dakota Car Insurance Rates for High Risk Drivers
AgePremium
16$5,500
20$3,838
30$2,314
40$2,260
50$2,154
60$2,134

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $145

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$56
Multi-vehicle$54
Homeowner$15
5-yr Accident Free$79
5-yr Claim Free$67
Paid in Full/EFT$49
Advance Quote$52
Online Quote$74
Total Discounts$446
Rate after discounts $600

Discounts are estimated and may not be available from every company or in every state.

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