Popular QuestionsPopular Questions About South Dakota Car Insurance

How much does South Dakota car insurance cost/yr? $1,180

The good news is that car owners in the Mount Rushmore State pay less for auto insurance than most other drivers around the nation. Learn what's required, what additional coverages you should consider and how your city varies from others when it comes to the proper auto insurance.

Americans pay an average of $1,311 per year for their auto insurance. South Dakota drivers pay on average about $1,180 per year. Make sure you're getting the best rate by comparing quotes from a variety of insurance companies.

south dakota car insurance cost chart
What does South Dakota car insurance actually do for me?

You may be a great driver, but South Dakota roads can be dangerous, and accidents can happen when you least expect it. If you find yourself in one, here's what your car insurance will do for you...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person; $50,000 per accident. We officially call this "bodily injury liability."

South Dakota requires every driver to have a certain amount of insurance at certain liability limits. Most states have similar laws to ensure that drivers are prepared for accidents they cause, so it isn't uncommon. These coverages will pay for someone else's vehicle damage and medical bills.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many South Dakota drivers are uninsured: 7.8%

The problem is this: Some people drive without any insurance. To protect your finances if you, your passengers, or your vehicle sustain injuries or damages due to an accident caused by an uninsured driver, "Uninsured Motorist Coverage" is here to help. If you are hit by an underinsured or uninsured driver, this coverage will pay to fix your vehicle and handle your medical bills.

South Dakota requires you to have uninsured motorist coverage as part of your car insurance policy, so talk to a Trusted Choice® agent for help finding a policy that offers this coverage at a great rate.

Which are the best insurance companies in South Dakota?

An independent insurance agent compares multiple companies to find the best policy for your needs. 

state auto insurance companies
nationwide
safeco insurance
austin mutual insurance company

InformationFind the Best Insurance in Your City


Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Sioux Falls15.81.88$991$83
Rapid City15.62.82$1,252$104
Aberdeen10.61.06$1,058$88
Brookings13.30.21$1,067$89
Watertown13.40.99$991$83
Mitchell13.61.92$1,117$93
Yankton13.80.47$1,193$99
Pierre11.02.41$1,218$102
Huron11.70.75$1,168$97
Vermillion15.81.02$1,058$88
Spearfish16.11.07$1,378$115
Brandon18.80.10$1,058$88
Box Elder17.01.11$1,252$104
Sturgis15.51.30$1,378$115
Madison11.70.57$1,067$89
Belle Fourche16.90.14$1,378$115
Harrisburg16.80.99$1,058$88
Tea15.50.59$1,056$88
Hot Springs15.40.40$1,453$121
Dell Rapids22.71.10$1,058$88
Mobridge12.02.31$1,319$110
Milbank9.60.46$1,218$102
Lead13.60.11$1,378$115
Canton21.60.59$1,058$88

Sioux Falls, SD Car Insurance

The average monthly cost of car insurance in Sioux Falls is $83. Depending on several factors like your vehicle, gender, and driving record, your monthly cost could be higher or lower than this amount. Talk to a Trusted Choice agents to compare a variety of rates so that you can be sure that you are paying the right price for your coverage.

Since it's more likely you'll be in an accident if you spend a lot of time on busy, congested roads, you need to be sure that the auto insurance policy you purchase provides the coverage you need. Sioux Falls drivers don't spend as much time commuting as most other Americans, and this can help keep insurance rates relatively low.

Chances are good that your vehicle will never be stolen, broken into or vandalized. But the reality is that it can happen to anyone without warning. When you add comprehensive coverage to your auto policy, you are not only protected in the event of a property crime, you can also receive compensation if your car is damaged by a falling object, flood, fire, or other non-collision event.

Rapid City, SD Car Insurance

Residents of Rapid City pay an average of $104 per month for their auto insurance. Of course, rates can fluctuate greatly from one driver to the next so your actual cost may be considerably higher or lower than this amount. Insurance companies calculate rates on a case-by-case basis according to such things as the age, make and model of the vehicle you are insuring and the age and driving history of the drivers who will be using it.

Rapid City drivers spend less time traveling to and from work than most drivers in the U.S. This can help keep insurance rates affordable for many residents of this city. Be sure that the policy you purchase provides all the coverage you need to properly protect your assets.  

Unfortunately, Rapid City has a fairly high auto theft rate. Did you know that you cannot receive compensation for a stolen or vandalized vehicle if your policy does not include comprehensive coverage? Talk to your agent about adding this optional insurance so that you are covered against most of the non-collision events that may damage your vehicle.

Aberdeen, SD Car Insurance

On average, Aberdeen residents pay $88 a month for their auto insurance coverage. Of course, this average amount should just be used as a guide. Actual insurance rates can vary greatly from one driver to the next because they are calculated on a case-by-case basis. Everything from the car you drive to the ages and driving records of the license drivers in your household can influence your rates. Talk to an independent insurance agent to compare quotes and get a better idea of what your costs will be.

Accidents are more likely to happen on busy, congested roads. Fortunately, residents of Aberdeen have must shorter average commute times than most Americans, and this can play a role in keeping insurance rates affordable for many residents of this city.

There are a few things you can do to protect yourself from auto theft: Take precautionary steps and have comprehensive auto insurance on your side. Comprehensive insurance protects against more than just vehicle theft vandalism, it can also cover damages caused by other events such as floods, fires, and falling trees. Talk to your Trusted Choice agent to learn more.

Brookings, SD Car Insurance

The average monthly cost of auto insurance in Brookings is $89. Did you know that your car insurance rates can be influences by a variety of factors such as your vehicle, ZIP code and average annual mileage?  That is why your actual car insurance rate may be significantly higher or lower than the average amount for your city. 

Since an accident can happen in the blink of an eye, you should have an insurance policy that covers medical bills and vehicle repairs. The good news for residents of Brookings is that average commute times in this city are lower than average. That means less time spent on busy congested roads, and less risk of being in an accident. This can help to keep insurance rates low.

Fortunately, auto thefts in the Brookings area are rare, and this may help to decrease insurance rates. However, this doesn’t mean you should skimp on comprehensive coverage. This optional insurance can also provide coverage if your car is damaged by a non-collision event like a fallen tree or a flood.

Watertown, SD Car Insurance

Residents of Watertown pay an average of $83 per month for their car insurance coverage. Your monthly cost could be higher or lower than this, depending on a number of factors like your vehicle's age, make and model; your age, driving record, and claims history; and the amount of coverage you are purchasing.

It goes without saying, the more time you spend behind the wheel, the more likely it is that you'll be in an accident. Watertown drivers spend less time on the road than the average driver, which may help keep insurance rates low.

The theft rate in Watertown is much lower than the national average. While this may help decrease insurance rates, you should still consider the repercussions if a criminal activity were to occur. Talk to your Trusted Choice agent to learn how comprehensive coverage provides compensation for non-collision related loss and damage.

Mitchell, SD Car Insurance

On average, residents of Mitchell spend $93 a month for their auto insurance. A number of factors and characteristics will go into determining how much you pay for auto insurance. That means your rate can fluctuate from this average. Rates are based on such things as the type of vehicle you are insuring, the driving histories of all licensed drivers in your household, and the amount of your deductible.

You may not think about it often, but every time you get on the road, you're at risk for getting into an accident. Considering Mitchell drivers spend nearly half an hour every day simply going to and from work, you can't afford to skimp on coverage.

The more dangerous your area, the more likely it is your vehicle will be stolen or vandalized. Because Mitchell's auto theft rate is relatively low, you shouldn't worry too much. But make sure you're fully protected, just in case. Addition comprehensive coverage will enable you to receive compensation for loss and damage caused by non-collision events like property crimes, falling objects, and floods.

Yankton, SD Car Insurance

The average monthly cost of auto insurance in Yankton is $99. However, you should take this average with a grain of salt. It's the typical rate Yankton car owners have, but your specific policy will be customized to your unique driving and insurance needs — so it may be considerably higher or lower than this amount.

Accidents frequently happen during the daily commute. Fortunately for Yankton residents, commute times in this city are well below the national average. This makes residents of Yankton present lower insurance risks and can therefore have a positive influence on how your rates are calculated.

Yankton is an extremely safe community. But auto theft is still a risk vehicle owners have – especially if frequently drive to other cities. The good news is that you can receive compensation for losses caused by property crimes and other non-collision events by including comprehensive coverage in your Yankton car insurance policy. A Trusted Choice agent can help you compare rates for this optional coverage. 

Pierre, SD Car Insurance

Residents of Pierre pay an average of $102 per month for their auto insurance coverage. Since a number of factors such as your vehicle, gender, driving record and claims history go into determining your monthly cost, your actual insurance could be higher or lower than this average rate.

Pierre residents don't spend nearly as much time commuting as the average national driver, so that could help lower your auto insurance rates. But every time you get behind the wheel, you put yourself and your vehicle at risk for damage so be sure you have solid coverage.

You can keep your car locked, park under street lights, and hide valuables, but you may still encounter an auto-related theft in Pierre. Ensure your auto insurance provides the proper protection if something happens by including comprehensive coverage as part of your policy.

Huron, SD Car Insurance

On average, drivers in Huron pay about $97 a month for their car insurance. Since your auto insurance policy and rate quote is completely personalized, your costs may vary significantly from this average. Talk to a Trusted Choice agent to compare quotes and find a competitively-priced policy that is right for you.

The good news is that, overall, Huron’s drivers spend much less time commuting than the national average. This could have a positive effect on your rates for many residents since your chances of being in an accident are reduced. 

Fortunately, the auto theft rate in Huron is extremely low when compared with the national average. This may help decrease insurance rates, but it doesn't mean you're without risk, so continue to take precautionary measures. Adding comprehensive (or, “other than collision”) insurance to your policy can cover you against loss and damage caused by such things as property crimes, falling trees, and floods.

Vermillion, SD Car Insurance

The average monthly cost of auto insurance in Vermillion is $88. Depending on your vehicle, your gender, your driving record and several other factors, your monthly cost could be higher or lower than this. Comparing quotes from a few insurers will enable you to find a good policy at a great rate. A Trusted Choice agent can help.

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Vermillion drivers spend significantly less time traveling to and from work than the average national commuter, and this helps to keep insurance rates affordable for many residents of this city.

The more dangerous your area, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Vermillion is lower than the national average, which may help decrease the cost of including comprehensive coverage as part of your auto insurance policy.