Are Car Insurance Rates Going Up in South Dakota?

As anyone responsible for paying their car insurance bill is aware, insurance costs commonly increase each year. But the reasons for auto insurance rate fluctuations vary, and rate hikes aren't always the prevailing trend.

One of the primary rating factors insurance companies use to set rates is location. The local area and state in which a vehicle is parked and operated help decide car insurance prices — this comes down to state laws and the differing levels of risk associated with insuring cars in various areas of the country.

Because car insurance pricing is multi-faceted, year-over-year rate changes vary widely by state. Car insurance prices might be increasing annually in a state but decreasing in a neighboring state.

See below auto insurance rate trends in South Dakota. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison engine furnishes auto insurance rates based on your specific profile — enter your ZIP below to get started.

Auto insurance price trends in South Dakota

Average annual auto insurance premiums in South Dakota increased by $59 over the past year. The usual driver in South Dakota pays an average of $1,342 per year.

The recent trend in South Dakota points to more expensive car insurance. Between 2015 and 2018, rates increased by an average of $201 per year. At the same time, insurance prices nationwide have gone up recently, climbing from $1,280 in 2015 to $1,470 in 2018.

YearAvg. Annual Premium — South DakotaYearly Change — South DakotaAvg. Annual Premium — USAYearly Change — US

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How are auto insurance rates trending in major cities in South Dakota?

Auto insurance rates are priced at the local level, with a number of location-specific variables impacting rates. That means drivers can see major differences in their auto insurance rates, based on their ZIP code or city. For instance, Mitchell drivers endured a larger yearly rate increase (4.4%) than did drivers in Aberdeen (4.0%) between 2018 and 2017.

See below annual rate changes in major South Dakota municipalities. If your city is expensive — and moving isn't a feasible option — you can always get quotes and try to find a more reasonable rate.

CityAvg. Rate Increase — 2018 vs. 2017
Sioux Falls3.4%

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The ZebraThe nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.