Cheapest Auto Insurance in Rapid City, South Dakota (2025)
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.
Jessica has been a contributor at Insurify since July 2023.
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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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Table of contents
Rapid City drivers pay an average of $122 per month for car insurance, slightly higher than the state average of $95. 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 $150. 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.
6 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.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $91/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $104/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $145/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $138/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $65/mo* |
Overall rating 4.0 | Overall rating 4.5 | Overall rating 4.4 | Overall rating 3.7 | Overall rating 3.3 | Overall rating 3.8 |
Value for money 3.8/5 | Value for money 4.6/5 | Value for money 3.9/5 | Value for money 3.1/5 | Value for money 3.3/5 | Value for money 3.6/5 |
Customer service 3.9/5 | Customer service 4.4/5 | Customer service 4.0/5 | Customer service 3.6/5 | Customer service 3.3/5 | Customer service 3.8/5 |
Claims handling 4.1/5 | Claims handling 4.5/5 | Claims handling 4.0/5 | Claims handling 3.4/5 | Claims handling 3.5/5 | Claims handling 4.1/5 |
Special highlight Teen driversAI-generated from 6432 user reviews | Special highlight AAA membersAI-generated from 676 user reviews | Special highlight Cash back for being claims freeAI-generated from 490 user reviews | Special highlight Hard-to-insure driversAI-generated from 162 user reviews | Special highlight Competitive ratesAI-generated from 6915 user reviews | Special highlight Bundling discountsAI-generated from 1175 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for affordability: Safeco
| User Reviews | 4.4 |
|---|---|
| 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. | 8.1 /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. | $78/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. | $157/mo |
4.4
Best choiceBased on 873 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
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 smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (490)
Donald
June 26, 2025
Verified Review
DC insurance
Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.
Ray
June 18, 2025
Verified Review
Heads Up
Watch for the rising rates after a year.
Jerri
June 6, 2025
Verified Review
SAFECO Ins. - Not for Me
WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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 | 3.7 |
|---|---|
| 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. | 7.7 /10 |
3.7
A solid optionBased on 307 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
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 affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (162)
Joseph
June 28, 2025
Verified Review
Phenomenal customer service
Anytime I've had to call and handle anything dealing with my insurance policy, it's always been a smooth, quick process.
Bobbi
June 9, 2025
Verified Review
Never really had interaction with anybody who works there; it's all been done online
Rates are reasonable, and everything is done online.
Michelle
June 5, 2025
Verified Review
Buying a new policy with Dairyland Insurance Company
Yes, I would refer them to a friend. It was extremely easy to get and pay for my policy.
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.
1.49A.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. | 666 |
|---|---|
| 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 |
Best For
Best For
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
666NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.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 500+ 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 500+ 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
Recent Rapid City, South Dakota car insurance prices for Nissan, Toyota, Chevrolet , and more.
*Quotes generated for Insurify users in and around Rapid City, South Dakota within the last 10 days. Last updated on July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. 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: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $47 | $56 | $62 | $65 |
| Farmers | $53 | $65 | $71 | $74 |
| Auto-Owners | $54 | $66 | $72 | $75 |
| American Family | $56 | $69 | $75 | $78 |
| USAA | $59 | $72 | $79 | $82 |
| Direct Auto | $66 | $81 | $90 | $92 |
| Bristol West | $73 | $90 | $98 | $102 |
| GEICO | $74 | $93 | $93 | $103 |
| Safeco | $78 | $98 | $109 | $113 |
| Allstate | $78 | $95 | $104 | $109 |
| Dairyland | $89 | $108 | $119 | $124 |
| Nationwide | $96 | $118 | $129 | $134 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 8.1 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 500+ 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.
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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."
)
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.
Jessica has been a contributor at Insurify since July 2023.
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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