Average Car Insurance Cost in South Dakota
Numbers refreshed
For South Dakota, NAIC provides coverage averages and the national rank.
- $1,291.yearly average for full coverage.
- 25/50/25.lowest liability limits.
- For cost, it ranks 39th among 51 states (1st = highest).
Average South Dakota cost by coverage
Full coverage costs an average of $1,291 each year in South Dakota. This is 20% below the US yearly average of $1,613.
Average spending per insured car was $935 in 2023. By 2024, it had reached $1,037, an increase of 10.9%.
| Coverage in South Dakota | Per year | Per month |
|---|---|---|
| Liability | $416 | $35 |
| Collision | $341 | $28 |
| Comprehensive | $534 | $44 |
| Full coverage (all three) | $1,291 | $108 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
South Dakota compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Kentucky | 36th | $1,337 | $111 |
| Montana | 37th | $1,322 | $110 |
| Kansas | 38th | $1,295 | $108 |
| South Dakota | 39th | $1,291 | $108 |
| Wyoming | 40th | $1,262 | $105 |
| North Carolina | 41st | $1,233 | $103 |
| Indiana | 42nd | $1,142 | $95 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number that is yours
Averages cover all ages and records. The South Dakota calculator adjusts for your age and record.
Learn more about South Dakota car insurance
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