Pennsylvania 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 $200/yr cheaper on average.

Fewer Uninsured

South Dakota has a lower uninsured rate (7.2% vs 7.6%).

Rate & Coverage Comparison

Attribute	Pennsylvania	South Dakota
Avg Annual Premium	$1,760	$1,560
Min Liability	$580	$510
Full Coverage	$1,760	$1,560
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.6%	7.2%
Registered Vehicles	10,662,460	727,340
Accidents/Year	159,936	10,910
Population	13,003,000	887,000

Minimum Coverage Requirements

Pennsylvania

15/30 / 5 liability

South Dakota

25/50 / 25 liability

Premium Comparison

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

South Dakota$510 – $1,560

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

PennsylvaniaFull 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, Pennsylvania or South Dakota?

South Dakota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,760 in Pennsylvania - a difference of $200 per year.

How do Pennsylvania and South Dakota compare on fault systems?

Pennsylvania 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 Pennsylvania vs South Dakota?

Pennsylvania requires 15/30 / 5 liability. South Dakota requires 25/50 / 25 liability. Minimum liability costs $580/yr in Pennsylvania and $510/yr in South Dakota.

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

Pennsylvania has a higher uninsured driver rate at 7.6%, compared to 7.2% in South Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Pennsylvania 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

Pennsylvania

South Dakota

Avg Annual Premium

$1,760

$1,560

Min Liability

$580

$510

Full Coverage

$1,760

$1,560

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.6%

7.2%

Registered Vehicles

10,662,460

727,340

Accidents/Year

159,936

10,910

Population

13,003,000

887,000