Average Cost of Car Insurance in South Dakota for 2025

South Dakota is among the fastest-growing states in the country. Thousands of people are relocating here each year, whether for the state's incredible landmarks, outdoor recreation, or affordable cost of living.

For new South Dakota residents, or those thinking about moving here, it's important to know the state's auto insurance requirements and typical costs for coverage. The average cost of full coverage car insurance in South Dakota is $155 per month, compared to the national average of $193. But exactly how much you'll pay may vary based on your age, credit, and location.

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Key takeaways

The average cost of car insurance in South Dakota is $155 per month for full-coverage policies.
Drivers with a clean driving record and excellent credit pay an average of $144 per month for state-minimum liability coverage.
Teen drivers pay an average of $347 per month for auto coverage.

How much does car insurance cost in South Dakota?

Despite South Dakota's population growth over the past few years, it still has a much lower-than-average population density. As a result, there are fewer vehicles in the state, so car insurance tends to be relatively affordable.

The average cost of car insurance in South Dakota is $155 per month for full-coverage policies — that includes liability, collision, and comprehensive insurance. And state-minimum liability coverage is just $66 per month.

Avg. cost for full coverage	Avg. cost for minimum coverage
$155/month	$66/month

Avg. for young drivers	Avg. cost for seniors	Avg. for driver with a DUI
$347/month	$135/month	$206/month

Average cost of car insurance in South Dakota by provider

Many major insurance companies issue policies in South Dakota. However, SD also has smaller insurers that serve a limited number of states, such as Farmers Mutual of Nebraska. These insurance companies may offer lower premiums than some of the bigger ones.

Provider	Monthly full coverage	Monthly minimum liability coverage
Bristol West	$180	$72
CSAA	$173
Dairyland	$252	$88
Direct Auto	$178	$66
Safeco	$164	$77

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How does credit score affect car insurance rates in South Dakota?

In many states, insurers review drivers' credit histories as a common practice during the underwriting process. South Dakota is no exception — insurers can use your credit score to help determine your auto insurance premiums. And if you have poor-to-fair credit, you may have to pay more for coverage.

We found that drivers with credit scores below 650 pay $200 per month on average for auto insurance coverage. That's compared to the state average of $155.

Credit health	Avg. monthly premium
Poor (550-649)	$200
Average (650-699)	$158
Good (700-749)	$147
Excellent (750+)	$144

Average car insurance rates for high-risk drivers in South Dakota

Driving recklessly or while under the influence can have significant financial consequences in South Dakota. SD drivers with a DUI conviction see their premiums to an average of $206 per month. And a speeding ticket causes premiums for South Dakota drivers to increase by an average of $187 per month.

Violation	Avg. monthly premium
At-fault accident	$218
DUI	$206
Speeding ticket	$187

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How does age affect car insurance rates in South Dakota?

Like in many other states, teens in South Dakota pay much more for auto insurance than other age groups. The average monthly premium for teen drivers is $347 — more than the state average of $155.

As you age and get more experience behind the wheel, car insurance premiums typically decrease.

Age	Avg. monthly premium
Teen	$347
20s	$195
30s	$170
40s	$161
60s	$129

South Dakota car insurance rates by city

Areas with a lot of people and higher crime rates tend to have the highest car insurance premiums. In South Dakota, Rapid City has the highest average premiums at $174 per month.

That higher insurance rate is due to the higher crime rate in SD's second-largest city. NeighborhoodScout gave Rapid City a six on its crime rating index, meaning it considers this town more dangerous than 94% of U.S. cities. And Rapid City's property crime rates are significantly higher than the rest of the state, indicating that residents here are more likely to be victims of crimes like auto theft or vandalism.

City	Avg. monthly full-coverage premium
Rapid City	$174
Aberdeen	$141
Sioux Falls	$150

SD's minimum car insurance requirements

All drivers in South Dakota legally must have car insurance, and your policy must meet the following minimums:

$25,000 in bodily injury liability for one person
$50,000 in bodily injury liability for two or more people
$25,000 in property damage liability

Additionally, the state requires drivers to have uninsured motorist insurance that meets the following requirements:

$25,000 per person in bodily injury protection
$50,000 per accident in bodily injury protection

How to save money on car insurance in South Dakota

To save money on your car insurance premiums in South Dakota or anywhere else, follow these tips:

Decrease your deductible: Your premiums are partially based on your deductible — the amount of money you pay for repairs or injuries before your insurer starts paying out on a claim. The higher your deductible is, the lower your premiums will likely be. That means increasing your deductible can lower your current insurance premium.
Take a driving course: Some insurers offer discounts if you complete a qualifying defensive driver course. To find out if your insurer offers a defensive driving discount, contact your agent.
Ask about other discounts: Call, email, or visit your local agent to ask about other insurance discount programs. Most insurers offer several discounts, including good student, multi-policy, multi-vehicle, and accident-free discounts.
Do your homework: Before purchasing a policy, shop around and request quotes from several companies to find the best car insurance rates possible.

FAQs about car insurance costs in SD

Is car insurance expensive in SD?

No, car insurance is less expensive in South Dakota than it is in most other states. The average cost of full-coverage policies in South Dakota is $155 per month, compared to the national average of $193.

How much is car insurance per year in SD?

The average cost of car insurance in South Dakota is $155 per month for full-coverage policies and $66 per month for state-minimum liability insurance.

Data throughout provided by Insurify.

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