Car Insurance in South Dakota
Numbers updated on
What South Dakota drivers pay, required minimum limits and which insurer has the lowest price.
- $108.Average monthly cost with full coverage.
- 25/50/25.Lowest liability coverage limits.
- 39th of 51.The most expensive state (1st = highest).
Car insurance costs in South Dakota
In South Dakota, full coverage costs drivers an average of $1,291 each year, or about $108 each month. With legal minimum coverage only, the yearly average is $416. This amount is 20% below the US yearly average of $1,613.
| 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 legal minimum that applies in South Dakota
South Dakota requires liability coverage of at least 25/50/25. For one crash, coverage includes $25,000 per person hurt and $50,000 for all injured people, plus $25,000 for damage to another person's property.
South Dakota has an at-fault rule. A driver responsible for a crash pays through their liability cover.
Both uninsured and underinsured motorist coverage are required.
Source: South Dakota Codified Laws 32-35-70 (SD Legislature).
How many drivers in South Dakota lack insurance?
In 2023, about 9% of South Dakota drivers had no car insurance. This was the 43rd highest share among the 51. If an uninsured driver hits you, uninsured motorist coverage pays your bills.
More about car insurance in the state of South Dakota
Written first on