Massachusetts vs South Dakota Car Insurance

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

Quick Verdict

More Affordable

Massachusetts is $90/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 7.2%).

Rate & Coverage Comparison

Attribute	Massachusetts	South Dakota
Avg Annual Premium	$1,470	$1,560
Min Liability	$480	$510
Full Coverage	$1,470	$1,560
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.2%	7.2%
Registered Vehicles	5,764,600	727,340
Accidents/Year	86,469	10,910
Population	7,030,000	887,000

Minimum Coverage Requirements

Massachusetts

20/40 / 5 liability

South Dakota

25/50 / 25 liability

Premium Comparison

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

South Dakota$510 – $1,560

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

MassachusettsFull 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, Massachusetts or South Dakota?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $1,560 in South Dakota - a difference of $90 per year.

How do Massachusetts and South Dakota compare on fault systems?

Massachusetts uses a no-fault system while South Dakota uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

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

Massachusetts requires 20/40 / 5 liability. South Dakota requires 25/50 / 25 liability. Minimum liability costs $480/yr in Massachusetts and $510/yr in South Dakota.

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

South Dakota has a higher uninsured driver rate at 7.2%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Massachusetts 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

Massachusetts

South Dakota

Avg Annual Premium

$1,470

$1,560

Min Liability

$480

$510

Full Coverage

$1,470

$1,560

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.2%

7.2%

Registered Vehicles

5,764,600

727,340

Accidents/Year

86,469

10,910

Population

7,030,000

887,000