Car insurance in South Dakota is cheaper than most states.

The average driver here pays $1,158/year — 20% below the national average, and higher than 11 of 50 other states.

$1,158

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● South Dakota is in the 22nd percentile nationally

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$1,158 /yr

South Dakota average · full coverage · clean record

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What affects your rate in South Dakota

South Dakota's average premium is 20% below the national average of $1,438, ranking #40 of 51 states by cost. NAIC cautions that state-to-state comparisons reflect differing coverage mixes, urban density and required coverages, not just carrier pricing.

How South Dakota compares

Average full-coverage premium per year
Benchmark	Per year
South Dakota	$1,158
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for South Dakota (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).