How Expensive is Auto Insurance in South Dakota?

The Zebra
Feb. 8, 2019

Car insurance is affordable in South Dakota. The average auto insurance cost in South Dakota is $1,268 per year — less than the national average by 11.1%.

Your auto insurance costs are dictated by factors other than your location. Auto insurance premiums price based on an array of components, such as a driver's marital status, driving history, credit rating, gender, and age.

We reviewed average South Dakota auto insurance rates by each of the major rating factors. Read on to see how much auto insurance costs in your location — or submit your zip to view personalized rates from top car insurance companies.


Get covered for less: compare rates and save!

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Average South Dakota auto insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Rates in South Dakota by Age Group

It's impossible to avoid: as you grow older, your auto insurance rates change. As a general rule, auto insurance is pricier for young drivers, as insurers see inexperienced drivers as more risky.

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


SOUTH DAKOTA CAR INSURANCE PRICES BY AGE
AgeAverage Annual Premium
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

If you're facing the frightful prospect of finding insurance for a teen driver, consider that South Dakota is the state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Outlays in South Dakota by Gender

While gender does not have as large an impact on car insurance rates as location or age, it is employed as a rating factor by auto insurers.


SOUTH DAKOTA CAR INSURANCE PREMIUMS FOR WOMEN VS. MEN
GenderAverage Annual Rate
Male$1,275.61
Female$1,284.11

If you're worried you aren't getting the best value for your money with your current auto insurance company, the best option is to do some shopping.




Average Auto Insurance Rates in South Dakota by Marital Status

One benefit of getting hitched — aside from the wedding gifts — is the lower prices you tend to receive on your auto insurance. In South Dakota, married motorists save $114 per year on auto insurance policies. This is more than the national mean of $76.


SOUTH DAKOTA CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,275.61
Married$1,161.30
Divorced$1,275.61
Widowed$1,269.49

Auto insurance for divorced drivers in South Dakota is the 30th most expensive in the nation. If you think you're overpaying for your policy, do some shopping. You could find a great policy for less!




Average Car Insurance Costs in South Dakota by Credit History

Car insurers utilize credit as a way of determining how reliable a prospective customer will be. Historical data show drivers who maintain good credit are often more dependable car insurance customers: they're less likely to file claims for which insurance companies pay.

In South Dakota, a motorist who has outstanding credit saves $1,251.03 per year in auto insurance premiums, compared to a driver who has a poor credit score. Learn more about how credit history affects auto insurance rates:


SOUTH DAKOTA AUTO INSURANCE COSTS BY CREDIT TIER
Credit TierAverage Annual Premium
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

Finding cheap car insurance with bad credit can be tough. But The Zebra is here to help. Review our tips on getting car insurance with poor credit and learn how to save!




Average Car Insurance Prices for Bad Drivers in South Dakota

If you’re determined to be to be at fault for a car crash or found guilty of a driving infraction, your insurance rates are bound to rise. The more offenses you accumulate, the more expensive your car insurance policy becomes.

In South Dakota, your first at-fault fender bender will lead to an extra $645.26 annually in car insurance payments. A DUI or DWI — considered one of the most serious driving offenses — will increase your annual car insurance costs in South Dakota by as much as $660.26.


SOUTH DAKOTA CAR INSURANCE RATES AFTER INFRACTIONS
AgeAverage Yearly Premium
DWI/DUI$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 you're facing above-average car insurance payments, think about shopping around to discover reasonably priced coverage that suits your needs.




Median Car Insurance Prices by Coverage Level in South Dakota

How much you're charged every month for car insurance depends on the level of protection you choose. Liability-only coverage usually costs less, while low-deductible comprehensive coverage usually costs more. In South Dakota, the cost disparity between state-minimum liability-only coverage and full coverage with a $500 deductible is $940.


SOUTH DAKOTA CAR INSURANCE PREMIUMS BY COVERAGE LEVEL
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$348
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,051
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,277
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$310
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,023
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,251
State Minimum — Liability Only$281
State Minimum — $1,000 Comprehensive/Collision$993
State Minimum — $500 Comprehensive/Collision$1,221

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