Get the Cheapest Car Insurance Quotes in South Dakota

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How Much Does Car Insurance Cost on Average in South Dakota?

  • South Dakota state minimum liability is around $65 a month or $735 a year. Full coverage costs around $246 a month or $2,901 a year

CheapCarInsurance pulls cost data from recent real time auto policy quotes across the state. Data is based on a driver profile of a single person with a clean driving record that is middle aged and drives a modern vehicle. 

Sioux, South Dakota roads

South Dakota, “The Mount Rushmore State”, is home to the Black Hills where its namesake’s monument is located. Separated by the mighty Missouri River, the state’s landscape is divided into ranching on the west and industry and farming on the east. This variation gives South Dakota a wide selection of attractions for residents as well as visitors. Badlands National Park, Wind Cave National Park, Custer State Park and miles of open country in between attract tourists looking for wide open spaces and endless views. has made the wide open spaces easier to access by giving South Dakota drivers more time to get out there. Searching high and low for all the driving and car insurance information for the state, has compiled it all here for the convenience for all the South Dakota drivers.

SD Car Insurance Rates by Vehicle Type & County

The average cost for car insurance in South Dakota for state minimum coverage is around $325 annually and for a full coverage policy you could expect to pay around $1,498 a year. There are quite a few factors that will determine your overall costs for an auto insurance policy such as age, personal demographics, vehicle type, current city and driving record history.

To give you a better idea we’ve provided a table from our cost database displaying the average costs for car insurance based on vehicle type and current city in South Dakota:

Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Bon Homme$817$626$803$653$804
Charles Mix$817$626$834$653$804

Cheap SD Auto Insurance Providers

South Dakota’s Minimum Requirements for Car Insurance

New Driver Licensing Requirements

DUI & DWI Laws in SD

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