South Dakota Car Insurance Calculator
Numbers refreshed
Just three questions, with no name, email or phone. The average for South Dakota is already set.
1 out of 2
What is the main driver's age?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
South Dakota averages form the estimate’s basis
The calculator uses NAIC averages for South Dakota, then changes the estimate based on age, driving record and the car.
| 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).
The way the estimate changes
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
More information about car insurance in South Dakota
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