Car Insurance Cost Per Month in South Dakota

On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in South Dakota carrying liability, collision and comprehensive averaged $96 a month, and the liability portion alone $32. The average insured vehicle in the state cost $78 a month, whether or not it carried the physical damage coverages, which ranks South Dakota #10 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.

South Dakota requires minimum liability coverage of 25/50/25.

The top three carriers by market share in South Dakota are State Farm, Progressive, Farm Bureau, per NAIC market share filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.

No. South Dakota is an at-fault state. When an accident occurs, the at-fault driver's liability coverage pays for the other driver's injuries and property damage. This means your state-minimum liability coverage must be high enough to cover a potential claim against you.

Low population, low litigation, and low accident frequency.

Yes, in most cases. South Dakota allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.