South Dakota auto insurance averages - $936.15 per year in 2023, ranked #42 of 51 states. NAIC Auto Insurance Database (June 2025 release).
South Dakota's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $936.15 ▲13.7% | $378 |
| 2022 | $823.25 ▲7.0% | $343 |
| 2021 | $769.50 ▲4.2% | $332 |
| 2020 | $738.38 ▼0.9% | $325 |
| 2019 | $745.21 | $337 |
Evidence lead: Five-year movement
South Dakota's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
South Dakota's average expenditure posted a +25.6% increase from 2019 through 2023, ranking #3 of 51 for five-year movement. This is among the fastest changes in the state set. It describes the endpoints of the series and does not assign a cause to the movement.
Coverage-component signature
South Dakota's most distinctive 2023 component is comprehensive: $472.73, or 89.8% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
South Dakota records $936.15 in 2023 average expenditure and ranks #42 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Year-by-year shape
South Dakota's only decline is a shallow -0.9% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +13.7%, and the latest step is +13.7%. This is a rising series with one flat spot, not a genuine reversal.
Narrow registry context
South Dakota's complaint lookup is comparatively narrow: 41 represented companies and 4,790 records, ranking #41 and #41 among 51 jurisdictions. The smaller footprint makes the displayed denominators essential context. It must not be converted into a complaint-rate judgment or used as a causal story for the separate auto-cost series.
Nearest expenditure peers. By average expenditure, South Dakota's closest peers in this dataset are Indiana ($926.42) and North Carolina ($925.08), both within a few dollars of South Dakota's own $936.15.
Note on state comparisons: These averages reflect the mix of coverages purchased in South Dakota, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
