South Dakota Car Insurance Calculator
Calculate your auto insurance cost in South Dakota. Compare with state averages and find savings.
$1,167
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$97
Full Coverage
$1,512
Min Coverage
$412
Uninsured Rate
7.4%
South Dakota Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in South Dakota
Low populationRural roadsSevere winter
Major Metro Areas in South Dakota
Sioux FallsRapid CityAberdeenBrookingsWatertown
FAQ
South Dakota Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in South Dakota
The average annual car insurance premium in South Dakota is $1,167, or about $97 per month. Full coverage averages $1,512 annually, while minimum coverage averages $412. Your actual rate depends on your age, driving record, vehicle, and coverage level.
South Dakota requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting South Dakota car insurance rates include: Low population, Rural roads, Severe winter. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 7.4% of drivers in South Dakota are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your South Dakota car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in South Dakota include: State Farm, GEICO, Progressive, Farm Bureau, American Family. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
SD Insurance Costs
Average premiums in South Dakota:
- Annual Average$1,167
- Monthly Average$97
- Full Coverage$1,512
- Minimum Coverage$412
SD Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate7.4%
Top SD Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Farm Bureau
- •American Family