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:
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.
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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Recommended Companies for Cheap South Dakota Insurance
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.
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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
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.
|Rank||Company||Market Share||Average Rate|
|6||Farmers Mutual of Nebraska||4.80%||$1,016|
|9||De Smet Farm Mutual||3.75%||N/A|
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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
- Who Has Cheap Auto Insurance Quotes in South Dakota?
- How Much Does Insurance Cost for a Honda Accord in South Dakota?
- Who Has the Cheapest Insurance Quotes for a Toyota Tundra in South Dakota?
- How Much are Insurance Quotes for a Toyota Camry in South Dakota?
- How Much Does Auto Insurance Cost for High Risk Drivers in South Dakota?
- How Much Does Insurance Cost for a Toyota Corolla in South Dakota?
- Cheapest Insurance for a Honda Civic in South Dakota
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$79|
|5-yr Claim Free||$67|
|Paid in Full/EFT||$49|
Discounts are estimated and may not be available from every company or in every state.