Liability Car Insurance in South Dakota
Numbers refreshed
The cheapest legal policy in South Dakota: the price, and the coverage it leaves out.
- $35.per month on average for liability.
- 25/50/25.the minimum liability limits.
- 39th of 51.the most expensive state (1st = highest).
How much liability costs in South Dakota
In South Dakota, liability-only car insurance averages $416 a year, or about $35 a month. For liability, the state ranks 49th in cost.
| 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).
What you still pay with the minimum
In South Dakota, at least 25/50/25 liability is required. It covers $25,000 per injured person and $50,000 for everyone injured in one crash. Damage to other people's property is also covered for $25,000.
Other people are paid through liability coverage. Fixing your own car is on you unless you add collision.
Any costs above your limits can be claimed from you after a crash. Higher limits usually cost much less than the extra protection they give you.
First written