Ford Explorer Insurance in South Dakota (2026)
Quick Answer
Full coverage for a 2024 Ford Explorer in South Dakota costs $145/month ($1,737/year). Safety rating: 4/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Ford Explorer Rates by Company in South Dakota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $107/mo | $1,285/yr | Military families |
| Erie Insurance | $114/mo | $1,372/yr | Rate lock guarantee |
| GEICO | $119/mo | $1,424/yr | Clean driving record |
| Progressive | $127/mo | $1,529/yr | Telematics savings |
| State Farm | $132/mo | $1,581/yr | Good students |
| Travelers | $138/mo | $1,650/yr | Multiple discounts |
| Nationwide | $151/mo | $1,806/yr | Bundling home + auto |
| Farmers | $156/mo | $1,876/yr | Signal telematics |
| Allstate | $162/mo | $1,945/yr | Accident forgiveness |
| Liberty Mutual | $171/mo | $2,050/yr | New car replacement |
USAACheapest
Monthly
$107/mo
Annual
$1,285/yr
Best for: Military families
Erie Insurance
Monthly
$114/mo
Annual
$1,372/yr
Best for: Rate lock guarantee
GEICO
Monthly
$119/mo
Annual
$1,424/yr
Best for: Clean driving record
Progressive
Monthly
$127/mo
Annual
$1,529/yr
Best for: Telematics savings
State Farm
Monthly
$132/mo
Annual
$1,581/yr
Best for: Good students
Travelers
Monthly
$138/mo
Annual
$1,650/yr
Best for: Multiple discounts
Nationwide
Monthly
$151/mo
Annual
$1,806/yr
Best for: Bundling home + auto
Farmers
Monthly
$156/mo
Annual
$1,876/yr
Best for: Signal telematics
Allstate
Monthly
$162/mo
Annual
$1,945/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$171/mo
Annual
$2,050/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Ford Explorer Insurance by Age in South Dakota
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $512/mo | $6,143/yr |
| 19 years old | $310/mo | $3,714/yr |
| 21 years old | $247/mo | $2,959/yr |
| 25 years old | $162/mo | $1,946/yr |
| 30 years old | $134/mo | $1,608/yr |
| 40 years old | $126/mo | $1,512/yr |
| 50 years old | $122/mo | $1,463/yr |
| 65 years old | $133/mo | $1,592/yr |