Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets South Dakota apart
No-fault opt-out; hail is the dominant comprehensive driver.
Minimum vs. full coverage in South Dakota
What each coverage level costs on the South Dakota average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $620 | $52 |
| Liability Only | $1,010 | $84 |
| Full | $1,830 | $152 |
| Full Low Deductible | $2,240 | $187 |
Minimum coverage saves about $1,214/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
South Dakota car insurance FAQ
- What's the minimum car insurance required in South Dakota?
- South Dakota's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $620/yr but leaves you exposed above those caps.
- How much is full coverage in South Dakota?
- Representative full coverage averages $1,834/yr (about $153/mo), ranking South Dakota #22 of 51 states for cost.
- Why is South Dakota car insurance priced the way it is?
- No-fault opt-out; hail is the dominant comprehensive driver.