What's the Average Cost of Auto Insurance in South Dakota?

The Zebra
Oct. 11, 2018

Auto insurance is inexpensive in South Dakota. The average car insurance rate in South Dakota is $1,268 annually — 11.1% less than the national average.

Your auto insurance premiums are dictated by more than just geography. Car insurance premiums take into account an array of considerations, including a driver's age, gender, marital status, credit rating, and driving history.

We analyzed average South Dakota car insurance premiums by all of the significant pricing factors. See below how much car insurance costs in your state — or enter your zip to receive personalized quotes from popular auto insurance companies.


Average Car Insurance Costs in South Dakota by Age

It's unavoidable: as you age, your car insurance rates change. As a general rule, car insurance is more expensive for young drivers, as car insurance companies consider inexperienced drivers as more risky.

In South Dakota, car insurance costs $5,793 annually for a 16-year-old motorist, but just $1,072 yearly for a driver in his or her 50s.


SOUTH DAKOTA AUTO INSURANCE PRICES BY AGE
Age Average Yearly Rate
16 $5,793.28
17 $5,344.69
18 $4,843.96
19 $2,805.08
20s $1,717.73
30s $1,247.53
40s $1,184.70
50s $1,071.91
60s $1,067.28
70s $1,191.02



Mean Car Insurance Prices in South Dakota by Gender

While gender does not carry as large an impact on car insurance premiums as location or age, it is used as a rating factor. Men pay less than do women for car insurance in South Dakota, but the discrepancy is just $8.50 per year.

SOUTH DAKOTA AUTO INSURANCE RATES FOR MEN AND WOMEN
Gender Average Yearly Premium
Male $1,275.61
Female $1,284.11



Average Auto Insurance Rates in South Dakota by Marital Status

A benefit of getting hitched — in addition to the wedding gifts — is the improved deal you may get on car insurance. In South Dakota, wedded motorists save $114 per year on car insurance policies. This is a better deal than the national mean of $76.


SOUTH DAKOTA AUTO INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Premium
Single $1,275.61
Married $1,161.30
Divorced $1,275.61
Widowed $1,269.49



Average Car Insurance Costs in South Dakota by Credit

Insurers use credit history to gauge how reliable a customer will be. Historical data suggest drivers who hold superior credit histories are usually more reliable car insurance customers: they are less likely to file claims covered by auto insurance.

In South Dakota, a car insurance client with excellent credit can save $1,251.03 annually on car insurance rates, compared to a driver with a less-favorable credit score. Learn more about how credit score may impact car insurance expenditures:


SOUTH DAKOTA CAR INSURANCE PRICES BY CREDIT
Credit Score Average Annual Rate
Very Poor (300-579) $2,373.21
Fair (580-669) $1,934.70
Good (670-739) $1,588.75
Very Good (740-799) $1,330.44
Exceptional (800-850) $1,122.17



Average Car Insurance Costs for Risky Drivers in South Dakota

If you are determined to be at fault in a driving incident or convicted of a driving violation, your car insurance costs are going to rise. The more infractions you accumulate, the more expensive your car insurance policy gets.

In South Dakota, your first minor at-fault crash results in a penalty of $645.26 each year in car insurance payments. A DUI — thought of as one of the most serious driving offenses — could lift your insurance rates in South Dakota by as much as $660.26.


SOUTH DAKOTA CAR INSURANCE COSTS WITH VIOLATIONS
Age Average Annual Premium
DUI/DWI $1,928.46
Reckless Driving $1,902.77
At-Fault Accident (<$1,000) $1,913.46
At-Fault Accident ($1,000-$2,000) $1,904.19
At-Fault Accident (>$2,000) $1,913.46
Open Container $1,787.95
Speeding (21-25 MPH > limit) $1,623.60
Speeding (16-20 MPH > limit) $1,500.46

If your car insurance premiums cost more than average, consider insurance shopping to find affordable insurance coverage that meets state regulations.


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