Toyota Tundra Insurance Cost in South Dakota
Insuring a Toyota Tundra in South Dakota costs about $1,200 a year ($100/month) for full coverage by our estimate — −21% versus the same car nationally — the 12th cheapest of 51 states for this model.
Toyota Tundra insurance in South Dakota at a glance
The Toyota Tundra is 3% cheaper than the average vehicle to insure in South Dakota, reflecting HLDI collision losses of 94 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 Tundra 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 Tundra.
- 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).
Toyota Tundra insurance cost in South Dakota cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Sioux Falls | $1,415 | $350 | +18% |
| Rapid City | $1,345 | $345 | +12% |
| Aberdeen | $1,300 | $330 | +8% |
| Brookings | $1,300 | $330 | +8% |
| Watertown | $1,280 | $325 | +7% |
| Yankton | $1,315 | $335 | +10% |
| Mitchell | $1,275 | $325 | +6% |
| Huron | $1,270 | $325 | +6% |
Toyota Tundra insurance in South Dakota by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $830 | $1,205 | $3,300 | $275 |
| Young adult (22) | $485 | $700 | $1,920 | $160 |
| Adult in their 30s | $300 | $440 | $1,200 | $100 |
| Adult in their 50s | $280 | $405 | $1,105 | $92 |
| Senior (72) | $340 | $490 | $1,345 | $112 |
| 30s, one at-fault accident | $440 | $635 | $1,740 | $145 |
| 30s, DUI on record | $560 | $810 | $2,220 | $185 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $300 | $25 | $250–$355 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $440 | $36 | $360–$515 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,200 | $100 | $985–$1,415 |
South Dakota minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in South Dakota
| Model | Full coverage in SD | vs. Tundra |
|---|---|---|
| Tesla Cybertruck | $1,300 | +8% |
| GMC Sierra 1500 | $1,315 | +10% |
| Nissan Titan | $1,210 | +1% |
| Chevrolet Avalanche | $1,255 | +5% |
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Frequently asked questions
How much is Toyota Tundra insurance in South Dakota?
About $1,200 a year ($100 a month) for full coverage and $300 for South Dakota's minimum liability, for a driver in their 30s with a clean record. That is 21% less than the national estimate for the same car.
Is the Toyota Tundra 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 Toyota Tundra is 3% cheaper than average.
Where in South Dakota is Toyota Tundra insurance cheapest?
Among the largest South Dakota cities, Huron has the lowest estimate (about $1,270) and Sioux Falls the highest (about $1,415).
What insurance do I need for a Toyota Tundra 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.
- SDCL 32-35-70 (owner's policy limits)
- SDCL 58-11-9 (uninsured motorist coverage)
- SDCL 58-11-9.4 (underinsured motorist coverage)
- South Dakota Division of Insurance: Automobile Insurance
- South Dakota DPS: Revoked or suspended license (SR-22)
- South Dakota Division of Insurance: Complaint Process
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey