Car Insurance for Age 20-25 in South Dakota

Average auto insurance rates for 20-25 year old drivers in South Dakota (SD), including male vs female rate comparison.

Avg Annual Rate

$2,808

$299 below national avg

Male Rate

$3,120/yr

Female Rate

$2,496/yr

Cost Rank

#38

of 51 states

Male vs Female Rates — Age 20-25 in South Dakota

Gender	Annual	Monthly	vs Average
Male	$3,120	$260	+$312
Female	$2,496	$208	$-312
Average	$2,808	$234	—

Male drivers aged 20-25 pay $624 more per year in South Dakota.

All Age Groups in South Dakota

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

Most & Least Expensive States for Age 20-25

Most Expensive

#1	Michigan	$4,860
#2	Louisiana	$4,680
#3	Florida	$4,500
#4	New York	$4,176
#5	Kentucky	$3,960
#6	Colorado	$3,780
#7	Georgia	$3,780
#8	California	$3,726
#9	Nevada	$3,726
#10	Oklahoma	$3,654

Least Expensive

#51	Maine	$1,620
#50	Vermont	$1,800
#49	New Hampshire	$1,890
#48	Idaho	$1,980
#47	Hawaii	$2,286
#46	Wisconsin	$2,304
#45	Ohio	$2,322
#44	North Carolina	$2,430
#43	Iowa	$2,430
#42	North Dakota	$2,448

South Dakota Insurance Overview

State Avg Premium

$1,560/yr

Fault System

At-Fault (Tort)

Uninsured Rate

7.2%

📊

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

How much does car insurance cost for age 20-25 in South Dakota?

The average annual car insurance premium for 20-25 year olds in South Dakota is $2,808 (about $234/month). This is $299 below the national average of $3,107 for this age group.

Do males or females pay more for car insurance at age 20-25 in South Dakota?

In South Dakota, male drivers aged 20-25 pay more — $3,120/yr for males vs $2,496/yr for females, a difference of $624 per year.

How does South Dakota rank for age 20-25 insurance costs?

South Dakota ranks #38 out of 51 states for car insurance costs for 20-25 year olds (most expensive first). The cheapest state for this age group is Maine at $1,620/yr, while Michigan is the most expensive at $4,860/yr.

Why is car insurance cheaper for age 20-25 in South Dakota?

Insurance rates for 20-25 year olds in South Dakota are influenced by the state's at-fault (tort) system, local accident rates (10,910/yr), uninsured driver rate (7.2%), and population density. South Dakota has 727,340 registered vehicles.

How can 20-25 year olds save on car insurance in South Dakota?

20-25 year olds in South Dakota can save by: comparing quotes from multiple insurers (State Farm is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 20-25 Rates in Other States

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