$1,345
Avg. Auto Insurance/Year
24% below national avg
$2,123
Avg. Home Insurance/Year
17% above national avg
#42
Cost Ranking (Most Expensive)
25/50/25
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average South Dakota driver pays $1,345 annually for car insurance,
which is 24% below the national average."
Source: InsureCompare.com
How South Dakota Compares to National Average
Auto Insurance
South Dakota: $1,345 vs National: $1,771
Home Insurance
South Dakota: $2,123 vs National: $1,820
South Dakota Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$25k |
$100k+ |
| Bodily Injury (per accident) |
$50k |
$300k+ |
| Property Damage |
$25k |
$100k+ |
Cheapest Car Insurance Companies in South Dakota
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$1,102 |
-18% |
| USAA (Military) |
$1,008 |
-25% |
| Progressive |
$1,183 |
-12% |
| State Farm |
$1,277 |
-5% |