Estimates, not quotes

Audi A4 Insurance Cost in South Dakota

Insuring a Audi A4 in South Dakota costs about $1,210 a year ($101/month) for full coverage by our estimate — −23% versus the same car nationally — the 12th cheapest of 51 states for this model.

Audi A4 (photo from Wikimedia Commons)
Photo: Alexander-93, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Audi A4 insurance in South Dakota at a glance

Full coverage
$1,210
$990–$1,425
25/50/25 minimum
$275
$23/mo
Same car nationally
$1,565
full coverage
Avg. car in SD
$1,235
−2% for the A4

The Audi A4 is 2% cheaper than the average vehicle to insure in South Dakota, reflecting HLDI collision losses of 133 and comprehensive losses of 97 (100 = average). South Dakota's own base rates are 27% lower than the national average, which carries through to every model.

South Dakota factors that affect A4 premiums

  • Uninsured drivers: 9.4% of South Dakota drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your A4.
  • Theft: 134 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates South Dakota's expected annual losses as relatively low for hail, relatively moderate for tornado, not rated for hurricane, relatively low for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.40 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in South Dakota →

Audi A4 insurance cost in South Dakota cities

CityFull coverageMinimumvs. state
Sioux Falls$1,425$320+18%
Rapid City$1,355$315+12%
Aberdeen$1,310$300+8%
Brookings$1,310$300+8%
Watertown$1,290$295+7%
Yankton$1,330$305+10%
Mitchell$1,290$300+7%
Huron$1,280$300+6%

Audi A4 insurance in South Dakota by driver

Estimated annual Audi A4 premium in South Dakota
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $760 $1,100 $3,325 $277
Young adult (22) $440 $640 $1,935 $161
Adult in their 30s $275 $400 $1,210 $101
Adult in their 50s $255 $370 $1,115 $93
Senior (72) $310 $450 $1,355 $113
30s, one at-fault accident $400 $580 $1,755 $146
30s, DUI on record $510 $740 $2,240 $187

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $275 $23 $225–$325
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $400 $33 $330–$470
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,210 $101 $990–$1,425

South Dakota minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in South Dakota

ModelFull coverage in SDvs. A4
Lexus ES$1,310+8%
Acura Integra$1,310+8%
BMW i4$1,495+24%
Polestar 2$1,2050%

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Audi A4 insurance cost in every state · All Audi models

Frequently asked questions

How much is Audi A4 insurance in South Dakota?

About $1,210 a year ($101 a month) for full coverage and $275 for South Dakota's minimum liability, for a driver in their 30s with a clean record. That is 23% less than the national estimate for the same car.

Is the Audi A4 cheaper to insure than the average car in South Dakota?

The average vehicle in South Dakota is about $1,235 a year for full coverage in our model, so the Audi A4 is 2% cheaper than average.

Where in South Dakota is Audi A4 insurance cheapest?

Among the largest South Dakota cities, Huron has the lowest estimate (about $1,280) and Sioux Falls the highest (about $1,425).

What insurance do I need for a Audi A4 in South Dakota?

South Dakota requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page