Auto Insurance in South Dakota — Average Cost 2026
Average auto insurance in South Dakota: $1,580/year ($132/month). South Dakota ranks #20 out of 51 states — below the national average.
Average annual
$1,580
Average monthly
$132
National rank
#20
of 51 states
vs national avg
-11.2%
South Dakota vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in South Dakota
South Dakota sits 11% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in South Dakota tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save South Dakota drivers hundreds of dollars annually.