Cheapest Auto Insurance in Rapid City, South Dakota (2024)
Rapid City drivers can find the cheapest car insurance rates from Safeco. The insurer’s liability rates start at just $47 per month.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 20, 2024
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Table of contents
Rapid City drivers pay an average of $122 per month for car insurance, slightly higher than the state average of $105. As the second most populated city in South Dakota, it’s not surprising that insurance premiums are a little higher.[1] Also, Rapid City is only a 30-minute drive from Mount Rushmore, which attracts some additional tourist traffic to the area.
Population density and location are both factors that can influence the cost of car insurance. While Rapid City residents have to pay a little more than the state average, it’s still much less than the national average of $154. Regardless, you should always compare car insurance quotes from multiple insurers before buying a policy.
Quick Facts
Rapid City residents pay an average of $66 per month for liability coverage and $177 per month for full-coverage car insurance.
In Rapid City, car insurance companies can use your credit history to help determine your premiums.
The average monthly cost of car insurance in Rapid City is cheaper than the national average.
3 of the cheapest car insurance companies in Rapid City
A variety of factors affect the cost of car insurance, including age, gender, location, and even your credit history. Insurance companies vary in how they apply these factors to calculate your monthly premium. This is why it’s important to compare multiple car insurance companies before making a choice. The auto insurance company that’s right for you will depend on your insurance needs and budget.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $124 | $47 | Affordability |
| Dairyland | 7.0 | $190 | $66 | Non-standard insurance |
| AAA | 7.6 | $161 | $81 | AAA members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $156/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco has been in business for 100 years, offering customers car, homeowners, renters, pet, and other insurance products. The company offers a wide array of standard coverages, such as medical payments and property damage, at competitive rates.
It also provides various optional coverages, including collision, comprehensive, new-vehicle replacement, and rental car reimbursement. Drivers who remain claims-free over a six-month review period are eligible for cash back. To get a quote, you must contact an independent Safeco insurance agent.
Pros
Cash back for customers who remain claims-free
Wide array of optional car insurance coverages
Cons
Customer reviews suggest room for improvement
Not as many discounts as other insurers
Best insurer for non-standard insurance: Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
3.6
A solid optionBased on 246 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (133)
Oliver
November 5, 2024
Verified Review
Review Option
The insurance premium is too high without much coverage.
Stephen
November 5, 2024
Verified Review
Excellent
I paid them every month and they insured my car every month. It's not rocket science.
Pamela
November 4, 2024
Verified Review
Cheaper Coverage
I have recommended Dairyland to many people as they are the best I've had. However, my financial situation has changed and it's become difficult to make ends meet. So, I'm exploring options to reduce some of my bills.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Dairyland got its start in 1953 in Wisconsin. The company offers auto insurance, motorcycle insurance, off-road insurance, and more. It also offers non-standard coverage for drivers with previous incidents, such as DUI insurance, as well as specialized insurance options, such as non-owner coverage. With Dairyland, you can get a quote online or reach out to an independent insurance agent.
Pros
Offers coverage to drivers who may not be able to get it elsewhere
Many positive customer reviews
Cons
Tends to have higher rates than its competitors
More complaints than expected with the NAIC[2]
Best insurer for AAA members: AAA
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 830 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
830NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
The American Automobile Association (AAA) has been serving its members for more than 100 years. The company was originally founded in 1900 in Southern California and known as The Automobile Club. Since this time, the company has expanded to include more than 7 million members.
AAA offers a range of insurance options, including auto, homeowners, travel, life insurance, business insurance, and more. You can also take advantage of a range of discounts, including multi-vehicle, alumni associations, and loyalty discounts.
Pros
Rated A+ by AM Best[3]
Complimentary roadside assistance coverage
Cons
Must buy an AAA membership
Coverage options vary based on location
Find Cheap Car Insurance in Rapid City, South Dakota
Liability rates start at $47 per month
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How to get the cheapest car insurance in Rapid City
The price of car insurance can vary widely between auto insurance companies. Some of the factors used to calculate the cost of insurance include your age, gender, ZIP code, marital status, vehicle type, and driving record.
If you want to find the cheapest car insurance in Rapid City, South Dakota, consider the following tips:
Compare multiple insurers. Since insurers offer different insurance products at different rates, comparing information from multiple insurers can help you find the lowest-cost car insurance.
Keep a clean driving record. Generally, the cleaner your record, the cheaper your premium.
Bundle insurance policies. Many insurers offer discounts if you bundle your car insurance with other policies, like home insurance.
Look for other discounts. Many car insurance companies offer discounts that can help lower your monthly premiums. For instance, some insurers offer good student discounts for young drivers who maintain good grades in school.
Cheapest liability-only car insurance in Rapid City: Safeco
Nearly every state requires drivers to carry liability insurance coverage. Liability coverage includes bodily injury and property damage liability. If you cause an accident, bodily injury liability covers costs associated with the injury or death of the other driver. Property damage liability covers any damage you cause to another car or other types of property, such as a fence or building. Liability insurance doesn’t cover your medical expenses or damages to your vehicle.
Safeco offers the cheapest liability-only policies in Rapid City, at $47 per month. The following table highlights cheap car insurance in Rapid City for liability-only coverage.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $47 |
| Midvale Home & Auto | $55 |
| Dairyland | $66 |
| Bristol West | $80 |
| AAA | $81 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Rapid City: Midvale Home & Auto
Full-coverage car insurance provides more protection for you. While liability coverage helps cover the costs of the other driver if you cause an accident, full coverage insurance helps protect your vehicle too. A full-coverage policy typically includes collision and comprehensive insurance.
Collision coverage provides reimbursement for damages to your vehicle if you get in a collision or hit a tree. Comprehensive coverage helps protect you against theft and damages from something other than an accident. For instance, it provides coverage if your car is destroyed in a fire.
Drivers can find the cheapest full-coverage insurance with Midvale Home & Auto, with rates of $118 per month. The table below lists the insurance companies with the cheapest full-coverage car insurance in Rapid City.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $118 |
| Safeco | $124 |
| AAA | $161 |
| Dairyland | $190 |
| Bristol West | $213 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Rapid City, South Dakota
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $84/mo for full coverage in Rapid City and other South Dakota cities.
*Quotes generated for Insurify users in and around Rapid City, South Dakota within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Rapid City, South Dakota within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Dakota
Most auto liability insurance policies in South Dakota include three parts:
Bodily injury liability: It covers the other driver’s medical expenses and lost wages if they sustain injuries in an accident that you cause.
Property damage liability: This pays for damages that you cause to someone’s property. For instance, it pays if you hit another car or a fence.
Uninsured motorist coverage: This covers you if you’re injured in a hit-and-run accident or in an accident with a driver who doesn’t have liability insurance. It’s kind of like buying liability insurance for yourself.[4]
The following table lists the minimum liability coverage required in South Dakota:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Drivers in the state of South Dakota can also purchase optional insurance, including:
Collision coverage
Collision coverage pays for physical damage to your vehicle if you’re in an accident with another car or object, such as a fence or tree.
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle from most other losses that aren’t a collision. For instance, damage from theft, flood, vandalism, hail, falling objects, and glass breakage has coverage under a comprehensive policy.
Medical payments coverage
Medical payment insurance covers the medical and funeral costs for you and others injured or killed in an accident while in your vehicle.
Cheapest car insurance for drivers with an incident
Driving incidents include speeding tickets, driving under the influence (DUI) charges, and at-fault accidents. If you have serious incidents on your driving record, you can expect to pay more for insurance than someone with a clean record. Incidents on your driving record signal to insurers that you’re a higher risk.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Direct Auto | $55 | $77 | $83 | $97 |
| CSAA | $73 | $104 | $112 | $117 |
| Safeco | $76 | $107 | $112 | $126 |
| Dairyland | $79 | $110 | $116 | $140 |
| Bristol West | $80 | $112 | $119 | $142 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Rapid City, SD
Drivers with incidents typically pay more for car insurance
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Average cost of car insurance by age
Teenage drivers pay some of the highest car insurance rates due to their increased risk for accidents and other incidents. Crash rates for teen drivers are nearly four times the rates for drivers 20 years and older per mile driven.[5]
Costs tend to decrease around age 35 and stay consistent until around age 70. As drivers reach age 70 and older, common health conditions can start to influence their driving skills.[6] The following table provides average monthly quotes for drivers in different age categories.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $316 |
| 20s | $392 |
| 30s | $365 |
| 40s | $310 |
| 50s | $231 |
| 60s | $163 |
| 70s | $122 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Rapid City
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Rapid City car insurance quotes by credit tier
In the state of South Dakota, car insurers are allowed to consider your credit history when determining the cost of your premiums. Having excellent or good credit can help drivers get lower premiums than drivers with poor credit. The table below lists the average car insurance quotes by credit tier for Rapid City, South Dakota.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Rapid City car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Rapid City.
How much is car insurance in Rapid City?
The average cost of car insurance in Rapid City is $122 per month. Rapid City drivers pay $66 per month for liability coverage and $177 for full-coverage car insurance, on average. Your exact auto insurance premium will depend on your driving record, age, credit history, and other factors.
Which company has the cheapest car insurance in Rapid City?
Safeco offers the cheapest liability car insurance in Rapid City, at $47 per month. Midvale Home & Auto is the second-cheapest insurer in the city, with a rate of $55. The third-cheapest insurer, Dairyland, has a liability-only rate of $66 per month. Comparing quotes from multiple car insurance companies is the best way to find cheap car insurance.
What are the best car insurance companies in Rapid City?
Safeco is the best car insurance company in Rapid City, with an Insurify Quality (IQ) Score of 8.3 out of 5, an AM Best financial strength rating of A (Excellent), and high customer satisfaction ratings. Other top insurers include Dairyland and AAA.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in South Dakota
Sources
- South Dakota Demographics. "South Dakota Cities by Population."
- Naic.org. "Consumer Insurance Refined Search Results."
- Aaa.com. "A.M. Best Reaffirms CSAA Insurance Group's A+ Rating."
- South Dakota Division of Insurance. "Understanding Your Auto Insurance Policy."
- IIHS. "Teenagers."
- National Institute on Aging. "Safe Driving for Older Adults."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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