Ram 1500 Insurance Cost in South Dakota
Official 2026 rate study for insuring a Ram 1500 in South Dakota (SD). Compare full coverage against state minimum liability (25/50/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Ram 1500 in South Dakota (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 South Dakota Auto Insurance Index)
Ram 1500 Rates by Model Year in South Dakota
Depreciation schedule calculated for South Dakota insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,408 | $117/mo | $49/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,355 | $113/mo | $50/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,305 | $109/mo | $50/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,259 | $105/mo | $51/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,215 | $101/mo | $51/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,175 | $98/mo | $52/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,137 | $95/mo | $52/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,101 | $92/mo | $53/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,068 | $89/mo | $53/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,037 | $86/mo | $54/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,008 | $84/mo | $54/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $981 | $82/mo | $55/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $956 | $80/mo | $55/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $932 | $78/mo | $56/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $910 | $76/mo | $56/mo | -35% | Consider 10% Rule (Liability Only) |
Ram 1500 Rates by Driver Age in South Dakota
Actuarial loss-cost surcharges and discounts applied by South Dakota carriers based on driver experience.
Estimated Quotes by Carrier: Ram 1500 in South Dakota
Sample underwriting benchmarks across major carriers serving South Dakota drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $117/mo | $1,404/yr | |
| Progressive | A+ | $116/mo | $1,392/yr | |
| GEICO | A++ | $123/mo | $1,476/yr | |
| Allstate | A+ | $109/mo | $1,308/yr |
Frequently Asked Questions: Ram 1500 Insurance in South Dakota
How much does it cost to insure a Ram 1500 in South Dakota? ▾
Full-coverage car insurance for a Ram 1500 in South Dakota averages approximately $117 per month ($1,408 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $49 per month ($591 per year).
Is Ram 1500 insurance cheaper or more expensive in South Dakota? ▾
The Ram 1500 is approximately 14.1% cheaper than the statewide average vehicle insurance rate of $1,640/year in South Dakota. Its High actuarial risk classification and 4-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Ram 1500 in South Dakota? ▾
Under South Dakota insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability (25/50/25).
How much does a 16-year-old pay to insure a Ram 1500 in South Dakota? ▾
A 16-year-old teen driver on a standalone policy pays approximately $293/month ($3,520/year) for full coverage in South Dakota. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Ram 1500 in South Dakota? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In South Dakota, this typically occurs around model year 2018 or older.
Compare Ram 1500 Insurance Across Other States
See how insurance rates for the Ram 1500 vary across different state statutory jurisdictions.