Estimates, not quotes

Kia Forte Insurance Cost in South Dakota

Insuring a Kia Forte in South Dakota costs about $1,395 a year ($116/month) for full coverage by our estimate — −29% versus the same car nationally — the 11th cheapest of 51 states for this model.

Kia Forte (photo from Wikimedia Commons)
Photo: Damian B Oh, 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

Kia Forte insurance in South Dakota at a glance

Full coverage
$1,395
$1,145–$1,650
25/50/25 minimum
$440
$37/mo
Same car nationally
$1,955
full coverage
Avg. car in SD
$1,235
+13% for the Forte

The Kia Forte is 13% more expensive than the average vehicle to insure in South Dakota, reflecting HLDI collision losses of 128 and comprehensive losses of 108 (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 Forte 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 Forte.
  • 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 →

Kia Forte insurance cost in South Dakota cities

CityFull coverageMinimumvs. state
Sioux Falls$1,645$515+18%
Rapid City$1,570$500+13%
Aberdeen$1,515$480+9%
Brookings$1,515$485+9%
Watertown$1,495$475+7%
Yankton$1,535$490+10%
Mitchell$1,490$480+7%
Huron$1,485$475+6%

Kia Forte insurance in South Dakota by driver

Estimated annual Kia Forte premium in South Dakota
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,210 $1,760 $3,840 $320
Young adult (22) $705 $1,025 $2,235 $186
Adult in their 30s $440 $640 $1,395 $116
Adult in their 50s $405 $590 $1,285 $107
Senior (72) $495 $715 $1,565 $130
30s, one at-fault accident $640 $925 $2,025 $169
30s, DUI on record $815 $1,185 $2,585 $215

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. $440 $37 $360–$520
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $640 $53 $525–$755
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,395 $116 $1,145–$1,650

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. Forte
Honda Civic$1,335−4%
Toyota Corolla$1,260−10%
Hyundai Elantra$1,465+5%
Nissan Sentra$1,455+4%

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Kia Forte insurance cost in every state · All Kia models

Frequently asked questions

How much is Kia Forte insurance in South Dakota?

About $1,395 a year ($116 a month) for full coverage and $440 for South Dakota's minimum liability, for a driver in their 30s with a clean record. That is 29% less than the national estimate for the same car.

Is the Kia Forte 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 Kia Forte is 13% more expensive than average.

Where in South Dakota is Kia Forte insurance cheapest?

Among the largest South Dakota cities, Huron has the lowest estimate (about $1,485) and Sioux Falls the highest (about $1,645).

What insurance do I need for a Kia Forte 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