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Auto insurance rates, minimum coverage requirements, and driver statistics for South Dakota (SD).
Avg Annual Premium
$1,560
$166 below national avg
Cost Rank
#38
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
7.2%
of drivers
Min Liability
$510/yr
Legal minimum
Average Premium
$1,560/yr
State average
Full Coverage
$1,560/yr
Comprehensive + Collision
South Dakota requires:
25/50 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,212 | $4,758 | $3,666 |
| 20-25 | $2,808 | $3,120 | $2,496 |
| 26-35 | $1,716 | $1,794 | $1,638 |
| 36-45 | $1,560 | $1,591 | $1,529 |
| 46-55 | $1,482 | $1,513 | $1,451 |
| 56-65 | $1,435 | $1,466 | $1,404 |
| 65+ | $1,638 | $1,685 | $1,591 |
Rates shown are annual averages for each age group in South Dakota. Individual rates vary based on driving record, credit, and vehicle.
| Metric | South Dakota | National Avg |
|---|---|---|
| Average Annual Premium | $1,560 | $1,726 |
| Uninsured Rate | 7.2% | 11.1% |
| Registered Vehicles | 727,340 | 5,330,804 |
| Accidents per Year | 10,910 | 79,962 |
Population
887,000
Registered Vehicles
727,340
Accidents per Year
10,910
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.