Average Car Insurance Costs in South Dakota

How much is insurance in the The Mount Rushmore State?

Fran Majidi July 1, 2024
average auto insurance rates in south dakota

With a population of over 890k, South Dakota is the 46th most populated state in the country and features over 167,838 miles of road. There are many factors that go into calculating the rate you pay for car insurance. Below is a breakdown of how much drivers in South Dakota pay for coverage based on different factors. To learn more about insurance requirements in South Dakota, check out South Dakota Car Insurance.

South Dakota Car Insurance Rates by Age

Typically car insurance companies will charge more for younger drivers and provide discounted rates for older drivers. Insurance carriers see young drivers as inexperienced and have a greater risk of getting in accident. In South Dakota, the typical teen driver between the age of 16 and 19 will pay $123.72 per month while a driver in their 40s will pay an average of $184.86 per month.

AgeAvg monthly rate
30s $123.72
40s $127.09
70s $112.79
16 - 20 $184.86
50s $121.72
60s $105.62
20s $149.05
Over 80 $120.69

South Dakota Car Insurance Rates by Marital Status


Marital StatusAvg monthly rate

Average Car Insurance Rates in South Dakota by Credit Score

Credit RatingAvg monthly rate

Car Insurance for High Risk Drivers in South Dakota

Safe Driver (No prior tickets, DUI, or accidents)Avg monthly rate

South Dakota Auto Insurance Rates by Homeownership

HomeownershipAvg monthly rate

Currently Insured vs. Uninsured in South Dakota


CoverageAvg monthly rate

South Dakota Car Insurance by Education

EducationAvg monthly rate

Liability vs. Full Coverage Car Insurance in South Dakota

CoverageAvg monthly rate

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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