Estimates, not quotes

BMW M3 Insurance Cost in South Dakota

Insuring a BMW M3 in South Dakota costs about $3,455 a year ($288/month) for full coverage by our estimate — −18% versus the same car nationally — the 14th cheapest of 51 states for this model.

BMW M3 (photo from Wikimedia Commons)
Photo: Alexander Migl, 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

BMW M3 insurance in South Dakota at a glance

Full coverage
$3,455
$2,835–$4,080
25/50/25 minimum
$405
$34/mo
Same car nationally
$4,190
full coverage
Avg. car in SD
$1,235
+180% for the M3

The BMW M3 is 2.8 times the average vehicle to insure in South Dakota, reflecting HLDI collision losses of 583 and comprehensive losses of 297 (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 M3 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 M3.
  • 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 →

BMW M3 insurance cost in South Dakota cities

CityFull coverageMinimumvs. state
Sioux Falls$4,075$475+18%
Rapid City$3,875$460+12%
Aberdeen$3,745$445+8%
Brookings$3,745$445+8%
Watertown$3,690$440+7%
Yankton$3,795$450+10%
Mitchell$3,680$440+7%
Huron$3,660$440+6%

BMW M3 insurance in South Dakota by driver

Estimated annual BMW M3 premium in South Dakota
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,120 $1,625 $9,505 $792
Young adult (22) $650 $945 $5,530 $461
Adult in their 30s $405 $590 $3,455 $288
Adult in their 50s $375 $545 $3,180 $265
Senior (72) $455 $660 $3,870 $323
30s, one at-fault accident $590 $855 $5,015 $418
30s, DUI on record $755 $1,090 $6,395 $533

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. $405 $34 $335–$480
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $590 $49 $485–$695
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $3,455 $288 $2,835–$4,080

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. M3
Mercedes-Benz S-Class$3,050−12%
Audi RS 7$2,320−33%
Lucid Air$2,135−38%
Lexus IS$1,585−54%

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BMW M3 insurance cost in every state · All BMW models

Frequently asked questions

How much is BMW M3 insurance in South Dakota?

About $3,455 a year ($288 a month) for full coverage and $405 for South Dakota's minimum liability, for a driver in their 30s with a clean record. That is 18% less than the national estimate for the same car.

Is the BMW M3 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 BMW M3 is 2.8 times average.

Where in South Dakota is BMW M3 insurance cheapest?

Among the largest South Dakota cities, Huron has the lowest estimate (about $3,660) and Sioux Falls the highest (about $4,075).

What insurance do I need for a BMW M3 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