🚗 Car insurance cost in South Dakota (2026)
The estimated average is $1,828 per year — below the national average (-15% vs. the U.S. average of $2,150).
South Dakota is home to about 0.9 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Sioux Falls typically differ from smaller towns.
Estimate your car insurance in South Dakota
South Dakota car insurance estimator
Starts from the South Dakota average. Estimate only — get quotes to confirm.
Car insurance cost in South Dakota cities
| City | Population | Est. car insurance |
|---|---|---|
| Sioux Falls | 202,078 | $1,828 |
| Rapid City | 76,184 | $1,755 |
South Dakota car insurance FAQ
How much is car insurance in South Dakota?
The estimated average car insurance in South Dakota is $1,828 per year, which is below the national average (-15% vs. the U.S. average of $2,150). South Dakota ranks 40 of 51 states from most to least expensive.
Why is car insurance cheaper in South Dakota?
Car insurance pricing in South Dakota reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on car insurance in South Dakota?
Compare at least three quotes from insurers active in South Dakota, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.