South Dakota Auto Insurance

From South Dakota Auto Insurance Laws & Requirements to South Dakota DUI Laws, from South Dakota Teen Driver Laws to South Dakota Auto Insurance Rate Estimates, from South Dakota Auto Theft Statistics to South Dakota Auto Insurance Rate Trends, trying to find all the information you need can be daunting. The good news is that if you're a South Dakota driver, the facts you want are right here.
South Dakota Auto Insurance Laws, Minimums, Requirements
What mandatory auto insurance laws exist in South Dakota?
South Dakota DUI Laws
The state of South Dakota has around 190 fatal auto accidents each year and 41% are alcohol related. This percentage has fluctuated a bit over the years, but it’s still less than 39 other states. South Dakota keeps its roads safer than most  in several ways. For starters, South Dakota’s DUI fines are expensive, averaging $1,000 up to $2,000 or more. Next, South Dakota doesn’t hesitate to hand out hefty jail sentences. You could end up in jail for 12 months for a first DUI offense.
South Dakota (SD) Teen Auto Insurance Laws, Rates & Requirements
The Insurance Institute for Highway Safety lists 16 as the optimal age for teens to begin any given Graduated Driver Licensing program. While many states across the nation agree, and have set the minimum age at 16, South Dakota’s minimum age requirement remains at 14 – one of the lowest in the nation. The good news is, the state of South Dakota does have its own Graduated Driver Licensing (GDL) system in place and parents play an important part in program. Continue to the next section to learn more about South Dakota’s teen driving laws.
South Dakota Division of Insurance
Department of Revenue and Regulation
445 East Capitol Avenue
Pierre, South Dakota 57501-3185
Phone: 605.773.3563

South Dakota Auto Insurance Rate Trends

Knowing auto insurance rates, average monthly premiums, and rate trends for South Dakota makes you an informed consumer. We've compiled recent auto insurance quotes so that you can see South Dakota's average monthly premiums and rate trends by month, and compare those to the national averages. Check out our chart of monthly premiums, and our table of rate increases and rate decreases, and get the info you need to make an educated decision about how much you pay for auto insurance.
National Average
SC Avg. Monthly Premiums
$157
$145
$132
$120
$135
$151
$135
$150
$143
$149
$139
$151
$137
$152
$139
$152
$133
$153
JulJunMayAprMarFebJan

SC Premium$ Change% ChangeNational Avg$ Change% Change
Jul$135$00.0$151$10.7%
Jun$135$85.6%$150$21.3%
May$143$42.9%$149$21.3%
Apr$139$21.5%$151$10.7%
Mar$137$21.4%$152$00.0
Feb$139$64.5%$152$21.3%
Jan$133$32.2%$153$21.3%
Data as of 2009. Source: Insurance.com

Top Ten Stolen Cars in South Dakota

1. 1997 Ford F150
2. 1994 Chevrolet C/K 1500 Pickup (full size)
3. 1992 Ford Taurus
4. 1997 Chevrolet Cavalier
5. 1995 Pontiac Grand Am
6. 1997 Pontiac Grand Prix
7. 1992 Chevrolet Lumina
8. 1990 Dodge Caravan
9. 1995 Chevrolet Blazer
10. 1996 Oldsmobile Cutlass

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