New York 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 $760/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 7.2%).

Rate & Coverage Comparison

Attribute	New York	South Dakota
Avg Annual Premium	$2,320	$1,560
Min Liability	$760	$510
Full Coverage	$2,320	$1,560
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.1%	7.2%
Registered Vehicles	16,564,819	727,340
Accidents/Year	248,472	10,910
Population	20,201,000	887,000

Minimum Coverage Requirements

New York

25/50 / 10 liability

South Dakota

25/50 / 25 liability

Premium Comparison

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

South Dakota$510 – $1,560

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

New YorkFull 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, New York or South Dakota?

South Dakota has cheaper car insurance, with an average annual premium of $1,560 compared to $2,320 in New York - a difference of $760 per year.

How do New York and South Dakota compare on fault systems?

New York 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 New York vs South Dakota?

New York requires 25/50 / 10 liability. South Dakota requires 25/50 / 25 liability. Minimum liability costs $760/yr in New York and $510/yr in South Dakota.

Which state has more uninsured drivers, New York or South Dakota?

South Dakota has a higher uninsured driver rate at 7.2%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New York 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

New York

South Dakota

Avg Annual Premium

$2,320

$1,560

Min Liability

$760

$510

Full Coverage

$2,320

$1,560

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.1%

7.2%

Registered Vehicles

16,564,819

727,340

Accidents/Year

248,472

10,910

Population

20,201,000

887,000