Full Coverage Car Insurance in South Dakota
Numbers refreshed
Priced off the South Dakota averages, this combines liability, collision and coverage for damage other than a crash.
- $108.that's the average monthly cost of full coverage.
- 25/50/25.the minimum liability limits.
- 39th of 51.The most expensive state (1st = highest).
South Dakota: what full coverage costs
Full coverage bundles liability with collision and other-than-collision coverage. Those two parts add $875 a year in South Dakota, on top of the $416 liability average.
| 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).
Where full coverage stops being worth the cost
While you still owe money on the car, lenders and lease companies require it.
After the car is paid off, weigh its value against the $875 a year that extra cover costs. If premiums for one bad year would buy most of the car, you're usually better off with liability only.
Full coverage in South Dakota, broken down by car
These estimates come from IIHS-HLDI loss results and cover an adult with a clean record. Of the 40 models we price, the cheapest and the dearest are listed here:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $836 | $70 |
| Honda Pilot | $889 | $74 |
| Toyota RAV4 | $922 | $77 |
| Subaru Outback | $946 | $79 |
| Mercedes-Benz C-Class | $1,857 | $155 |
| Dodge Charger | $2,118 | $177 |
| Chevrolet Camaro | $2,304 | $192 |
| Dodge Challenger | $2,477 | $206 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written