Average car insurance cost in South Dakota (2026)
Drivers in South Dakota pay an average of $152 a month for full coverage and $62 a month for liability only.
Full coverage / month
$152
Liability only / month
$62
Full coverage / year
$1,824
Liability only / year
$744
Cost rank
#30 of 51
1 = most expensive. Liability-only rank: #42.
Averages are a starting point. Estimate your cost in South Dakota
How South Dakota compares
The full-coverage average of $152 is 13% below the average across states ($174), and the liability-only average of $62 is 36% below the average across states ($98). South Dakota is mid-table: 29 of the 51 places in our table have a higher full-coverage average. That is $149 a month below Maryland, the highest, and $67 above New Hampshire, the lowest.
Full coverage vs liability only in South Dakota
Full coverage costs $90 more per month than liability only in South Dakota, or $1,080 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to South Dakota by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Arkansas | $149 | $73 | -$3 |
| Kansas | $157 | $79 | +$5 |
| West Virginia | $157 | $83 | +$5 |
| Oregon | $157 | $91 | +$5 |
| Utah | $146 | $92 | -$6 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the South Dakota averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $152 | $62 |
| Same driver, age 20-24 | $220 | $90 |
| Same driver, one ticket | $185 | $76 |
| Same driver, one at-fault accident | $216 | $88 |
| Same driver, sports car | $198 | $81 |
Frequently asked questions
How much does car insurance cost in South Dakota?
The average in South Dakota is $152 a month ($1,824 a year) for full coverage and $62 a month ($744 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in South Dakota expensive compared with other states?
South Dakota ranks 30th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 13% below the average across states of $174 a month.
How much more does full coverage cost than liability only in South Dakota?
On average, full coverage costs $90 more per month in South Dakota, or $1,080 more per year. That is 145% more than the liability-only average.
How much could an at-fault accident change an estimate in South Dakota?
With our illustrative 1.42 factor, a baseline full-coverage estimate in South Dakota rises from $152 to about $216 a month, or about $64 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.