South Dakota features some of the most affordable car insurance rates in the country, benefiting from low population density and fewer accidents. The state uses a fault-based liability system with moderate mandatory coverage requirements.
South Dakota Auto Insurance Facts
Drivers
- ~470,000–490,000 licensed drivers as of 2023.
- ~93% household vehicle ownership.
- Predominance of pickups and SUVs due to rural driving needs.
- Uninsured motorist rate near 9%.
- Limited public transportation outside urban areas.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~5,400
| ~1,200
| 65
|
| 2019
| ~5,600
| ~1,250
| 60
|
| 2020
| ~4,900
| ~1,100
| 55
|
| 2021
| ~5,100
| ~1,150
| 63
|
| 2022
| ~5,300
| ~1,180
| 58
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
