Illinois vs South Dakota Car Insurance

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

Quick Verdict

More Affordable

South Dakota is $90/yr cheaper on average.

Fewer Uninsured

South Dakota has a lower uninsured rate (7.2% vs 11.0%).

Rate & Coverage Comparison

Attribute	Illinois	South Dakota
Avg Annual Premium	$1,650	$1,560
Min Liability	$540	$510
Full Coverage	$1,650	$1,560
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.0%	7.2%
Registered Vehicles	10,505,840	727,340
Accidents/Year	157,587	10,910
Population	12,812,000	887,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

South Dakota

25/50 / 25 liability

Premium Comparison

Illinois$540 – $1,650

Liability: $540Avg: $1,650Full: $1,650

South Dakota$510 – $1,560

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

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

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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, Illinois or South Dakota?

South Dakota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,650 in Illinois - a difference of $90 per year.

How do Illinois and South Dakota compare on fault systems?

Illinois 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 Illinois vs South Dakota?

Illinois requires 25/50 / 20 liability. South Dakota requires 25/50 / 25 liability. Minimum liability costs $540/yr in Illinois and $510/yr in South Dakota.

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

Illinois has a higher uninsured driver rate at 11.0%, compared to 7.2% in South Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois 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.

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Attribute

Illinois

South Dakota

Avg Annual Premium

$1,650

$1,560

Min Liability

$540

$510

Full Coverage

$1,650

$1,560

Fault System

At-Fault (Tort)

Uninsured Rate

11.0%

7.2%

Registered Vehicles

10,505,840

727,340

Accidents/Year

157,587

10,910

Population

12,812,000

887,000