Idaho vs South Dakota Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Idaho is $460/yr cheaper on average.

Fewer Uninsured

South Dakota has a lower uninsured rate (7.2% vs 7.4%).

Rate & Coverage Comparison

Attribute	Idaho	South Dakota
Avg Annual Premium	$1,100	$1,560
Min Liability	$360	$510
Full Coverage	$1,100	$1,560
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	7.2%
Registered Vehicles	1,558,000	727,340
Accidents/Year	23,370	10,910
Population	1,900,000	887,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

South Dakota

25/50 / 25 liability

Premium Comparison

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

South Dakota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

IdahoFull rates, age breakdown, requirements →South DakotaFull rates, age breakdown, requirements →

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Idaho or South Dakota?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $1,560 in South Dakota - a difference of $460 per year.

How do Idaho and South Dakota compare on fault systems?

Idaho uses a at-fault (tort) system while South Dakota uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Idaho vs South Dakota?

Idaho requires 25/50 / 15 liability. South Dakota requires 25/50 / 25 liability. Minimum liability costs $360/yr in Idaho and $510/yr in South Dakota.

Which state has more uninsured drivers, Idaho or South Dakota?

Idaho has a higher uninsured driver rate at 7.4%, compared to 7.2% in South Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho vs South Dakota insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Idaho

South Dakota

Avg Annual Premium

$1,100

$1,560

Min Liability

$360

$510

Full Coverage

$1,100

$1,560

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

7.2%

Registered Vehicles

1,558,000

727,340

Accidents/Year

23,370

10,910

Population

1,900,000

887,000