Protection Atlas · State Profile
South Dakota Protection Profile
South Dakota ranks #15 of 51 on the Atlas composite. State cost index runs 1.18× the national midpoint, risk-event frequency sits at 38/100, and consumer-protection strength scores 76/100.
Resilience
75
/ 100
Financial Safety
94
/ 100
Protection
89
/ 100
Preparedness
72
/ 100
Retirement
73
/ 100
Business
92
/ 100
State profile
- Auto avg: $1,583 · Home avg: $2,698 · Term avg: $233
- Min liability: 25/50/25 · No-fault: No · UM required: Yes
- SR-22 fee: $25 · Cost index: 1.18 · Friendliness: 100/100
Protection challenges
- Premium cost index runs 18% above the national midpoint
- Winter peril concentration affects property and life logistics
Major risk factors
- Winter storm and ice-dam exposure
- Power-loss durations exceed national average
Family security insights
In South Dakota, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 1.18× the national midpoint. Term-life pricing tracks a 0.97× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in South Dakota is supported by a consumer-protection score of 76/100 and a friendliness composite of 100/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
South Dakota households face extended-outage and frozen-pipe exposure. Generator + interlock and pre-winter inspections are foundational.