South Dakota Auto Insurance Calculator 2026
Estimate your auto insurance premium in South Dakota (SD). South Dakota rates are 13% below the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
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South Dakota Auto Insurance Overview
South Dakota drivers pay approximately 13% less than the national average for auto insurance. The state premium factor is 0.87x relative to the national baseline.
South Dakota Minimum Coverage Requirements
South Dakota requires minimum liability coverage of 25/50/25 ($25,000/$50,000 bodily injury, $25,000 property damage).
South Dakota requires uninsured/underinsured motorist (UM/UIM) coverage.
Note: Tort state; UM/UIM required
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