How much does auto body shop insurance cost in South Dakota? (2026)

Reviewed by Jason Wootton — licensed P&C Insurance Agent (NPN 7694718) Verify ↗

Edited by Justin Marks · Updated July 2025 · Disclosures ↓

Auto Body Shop insurance pricing in South Dakota is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in South Dakota. Below: the most-recent South Dakota filings affecting auto body shop operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Auto Body Shop cost guide.

Recent rate-filing activity — 2 state filings across 1 commercial line

Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting auto body shop operations, with the real SERFF tracking number for each.

Line	State	Overall change	Effective	SERFF tracking
WC	SD	LCM applied to NCCI loss cost — TIERED by underwriting category	Jul 1, 2025	TRAVELERS-CIA-SD-2025-LCM
WC	SD	LCM multiplier applied to NCCI advisory loss cost	Jul 1, 2022	HARTFORD-UND-SD-2022-LCM

Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.

National context — Auto Body Shop insurance overview

Auto body and collision-repair shop insurance cost is driven by a handful of factors most other small businesses don't share: customer vehicles in your care, custody, and control (the garagekeepers exposure), a fire-prone paint-and-solvent environment, payroll-rated workers' compensation under the auto-body class code, and vehicles you drive on public roads. Combined, a single-location shop is typically an industry-typical estimate of $4,000–$12,000/year across all coverage lines, varying widely by payroll, state, and the value of vehicles in your shop.

Every dollar figure on this page is framed as an industry-typical estimate, and every coverage fact is sourced to a named bureau or institute (NCCI, III, IRMI, and a state rating bureau) — never a competitor or broker. Use the calculator below to estimate your range, then get a real quote in 5 minutes from 10+ carriers.

National benchmark figures

Published cost ranges for Auto Body Shop insurance — useful as a national baseline against which the South Dakota filings above signal local direction.

General Liability + BOP

$1,500–$4,000 / yr

Industry-typical estimate, single-location shop, bundled. Rated on the factors III lists. III small business basics

Workers' Comp class

NCCI 8393

Premium = payroll × your state's filed loss cost for auto-body class 8393 (or service class 8380). WCRB 8393

Commercial Auto limit

$1,000,000 recommended

III recommends a $1M business-auto limit ($500K minimum). III business vehicle insurance

Garagekeepers

Care, custody & control

Covers a customer's vehicle damaged while in your shop for repair. IRMI garagekeepers

Commercial lines share of P/C

~50%

Commercial lines is about half of all U.S. property/casualty premium (2024). III commercial lines facts

Industry-typical market ranges (national)

Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form

Coverage lines an auto body shop typically carries (industry-typical estimates):

General Liability + BOP: typically $1,500–$4,000/year for a single-location shop, bundling liability with property and business income. Rated on the factors the III lists for small-business policies.
Workers' Comp: premium = payroll × your state's filed loss cost for NCCI class 8393 (Automobile Body Repair) or 8380 (Automobile Service or Repair). Rate varies by state. WCRB class 8393, NCCI classification.
Commercial Auto / Garage: the III recommends a $1,000,000 business-auto limit ($500,000 minimum). A garage policy combines garage liability, garagekeepers, and auto physical damage for shops that move customer vehicles. III business vehicle insurance, IRMI garage policy.
Garagekeepers: covers damage to a customer's vehicle left in your care for repair — the exposure that separates a body shop from an ordinary contractor. IRMI garagekeepers coverage.

State variation is large — payroll-driven workers' comp and tort environment make California, New York, and New Jersey typically the most expensive; most Midwest and Southern states are typically the least.

For South Dakota-specific direction, see the filed-rate table above.

Industry context — what published research says about Auto Body Shop coverage

Garagekeepers is the defining exposure. A garage policy is built for businesses that take customer autos into their care for service or repair — covering damage to those vehicles, contingent on the shop's liability. IRMI garage policy.
Workers' comp is rated by class code. Auto body shops are rated under NCCI class 8393 (Automobile Body Repair) or 8380 (Automobile Service or Repair); premium scales with payroll × the state's filed loss cost for that class. NCCI classification.
A BOP does not include everything. Business Owners Policies cover property, business income, and liability — but explicitly exclude workers' comp and commercial auto, which an auto body shop must buy separately. III: what a BOP covers.
Commercial lines is about half the market. Commercial property/casualty is roughly half of all U.S. P/C premium, and commercial incurred losses have risen sharply since 2020 — pressure that flows into renewal pricing. III commercial lines facts.

How to lower your auto body shop insurance cost

General levers that apply nationally — South Dakota operators may also have state-specific levers (e.g. non-subscriber WC, multi-jurisdiction permit consolidation).

Bundle as a BOP where eligible

Bundling general liability with property and business income in a BOP is typically cheaper than buying each separately — just remember the BOP won't include your workers' comp or commercial auto. III: what a BOP covers.

Verify your workers'-comp class code

Make sure your shop is rated under the correct auto-body class (8393) or service class (8380) — a misclassification can over- or under-charge you for years. NCCI classification.

Right-size your garagekeepers limit

Set your garagekeepers limit to the realistic peak value of customer vehicles in your shop — not far above it. Paying for $1M when you never hold more than $300K wastes premium. IRMI garagekeepers.

Raise your deductible

Going from a $1K to a $5K deductible typically reduces premium meaningfully — make sure you can self-fund the higher deductible first. III small business basics.

Invest in fire suppression & shop safety

Properly inspected paint-booth fire suppression, solvent storage, and welding-area controls reduce the property hazards III lists as rating factors — and earn carrier credits. III small business basics.

Keep a clean claims & MVR history

A clean multi-year claims history and clean motor-vehicle records for anyone who drives shop vehicles are among the strongest levers on price. III liability insurance.

Get one multi-line quote

Quoting general liability, property, workers' comp, and commercial auto/garage with the same carrier typically earns a multi-policy credit versus buying each line from a different insurer. III small business basics.

Get your actual South Dakota quote in 5 minutes

The data above is regulator-filed direction. Your actual South Dakota quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

Get a free South Dakota quote → 📞 Call 1-833-505-2594

More South Dakota rate-filing detail

All South Dakota commercial rate filings (every line, every recent filing) — the broader rate-data view for South Dakota
Rate filings by state — directory of all 47+ states with active filings
National Rate Change Tracker — every filing across every state, sortable

Get a real South Dakota quote for auto body shop

The data above shows the regulator-filed direction for South Dakota. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Get a free South Dakota quote →

Related guides

Sources cited (national context above)

Small Business Insurance Basics — Insurance Information Institute (III), 2024
Liability Insurance — Small Business Owner's Guide — Insurance Information Institute (III), 2024
Business Vehicle Insurance — Small Business Owner's Guide — Insurance Information Institute (III), 2024
What does a Business Owners Policy (BOP) cover? — Insurance Information Institute (III), 2024
Classification (Scopes) Codes — National Council on Compensation Insurance (NCCI), 2024
Class Code 8393 — Automobile Body Repair — Wisconsin Compensation Rating Bureau (WCRB), 2024
Garagekeepers Coverage — International Risk Management Institute (IRMI), 2024

📘 Educational, not advice. This state-specific cost page is general educational content reviewed by Jason Wootton, our licensed P&C Insurance Agent (NPN 7694718). Bureau-filed loss-cost changes do not directly equal carrier rate changes — your final quote depends on class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. For actual numbers, get a real quote.