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Cheap Auto Insurance Quotes in Rapid City, SD (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Known as the gateway to Mount Rushmore, Rapid City is a popular place for tourists to stay. Residents only number roughly 75,000, and the city is rather sparse in some areas. Roads can become busy near the downtown area, but by and large, highways are easy to travel. Perhaps the most dangerous consideration in Rapid City is the winter weather, which can provide quite a challenge to those new to the area. It’s smart to make sure you have robust car insurance here in the event of an accident, as snow-covered streets are tough to navigate.

Quick Facts

  • The average cost of car insurance in Rapid City is $190 per month, or $2280 annually.
  • Car insurance in Rapid City is $42 more than the average cost of car insurance in South Dakota.
  • The cheapest car insurance provider in Rapid City on average is Midvale Home & Auto, but you should always compare quotes to find your best personal rate.

Car Insurance in Rapid City, SD

The average cost of South Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Rapid City, SD to find you the cheapest quotes in the area.

Quotes by Top Companies

Progressive
$40
Allstate
$50
State Farm
$58
GEICO
$101
The General
$171

Cheapest Car Insurance in Rapid City, SD

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in Rapid CityQuotes
Progressive$40 /mo
Allstate$50 /mo
State Farm$58 /mo
GEICO$101 /mo
The General$171 /mo

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Average Car Insurance Cost

South Dakota Cities
Sioux Falls$103/mo
Aberdeen$92/mo
Brookings$86/mo
Watertown$101/mo
Rapid City$84/mo
South Dakota$93/mo
Rapid City
$84
Brookings
$86
Aberdeen
$92
Average for SD
$93
Watertown
$101
Sioux Falls
$103
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in SD

The state of South Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in South Dakota are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that South Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in South Dakota are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of South Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 7.7 percent, or just over one out of thirteen, South Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance. Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Rapid City Car Insurance Rates by Driver Age

Insurance rates drop as you enter middle age in Rapid City. The reason? Mature drivers have acquired years of driving experience and loyalty discounts. Rapid City drivers in their 30s pay $130 for car insurance, while rates for drivers in their 60s drop to $118. Higher rates for younger drivers are typical in this town, with teen drivers paying the most in premiums, at an average of $277 per month.

Driver's AgeAvg. Monthly Cost
teens$278
20s$171
30s$131
40s$231
50s$211
60s$119
70s$144
80s$138

Rapid City Car Insurance Rates by Driving and Accident History

Getting your insurance rates as low as possible and avoiding increases is the name of the game for drivers in Rapid City. While you can’t control every variable that goes into setting your policy rate, you can drive responsibly and keep your driving record clean. Driving offenses indicate risk to the insurance company and cause rates to increase. In Rapid City, a motorist with no violation pays an average of $210 in monthly insurance premiums. Should you have an at-fault accident, however, rates increase by as much as 24 percent.

Driving HistoryAvg. Monthly Cost
No Violation$211
Speeding Ticket$178
At-Fault Accident$261
Failure to Stop for Red Light / Stop Sign$173

Rapid City Car Insurance Rates by Credit Tier

You can’t control everything that insurance companies consider when making rate calculations. Age is one example. However, making improvements to your credit score could save you money over time. Because how well you do at managing your money can be an indicator of risk, underwriters use insurance-based credit scores to help them set rates. If you haven’t been actively working on your credit score, now may be the time. The better your insurance score, the easier it is for you to get a reasonable rate. Rapid City drivers with an excellent credit score pay $141 on average for car insurance.

Credit TierAvg. Monthly Cost
Excellent$239
Good$242
Average$187
Poor$138

Find local Rapid City agents

  • Agents of Insurance Inc 

    PO Box 410,
    Rapid City, SD 57709
  • Western Dakota Insurors, Inc

    816 Fifth St,
    Rapid City, SD 57701-3708
  • Black Hills Insurance Agency Inc 

    820 Saint Joseph Street,
    Rapid City, SD 57701
  • Farmers Union Insurance Agency 

    3312 Jackson Blvd,
    Rapid City, SD 57702
  • Herrmann Insurance Agencies 

    821 Mount Rushmore Road,
    Rapid City, SD 57701
  • BHFCU Insurance Services, LLC 

    200 Main Street,
    Rapid City, SD 57701
  • Black Hills Insurance Agency 

    3202 W Main St STE B,
    Rapid City, SD 57702
  • KLM Ventures LLC dba Mountain Plains Insurance 

    4020 Danley Drive,
    Rapid City, SD 57702
  • HUB International Mountain States Limited 

    2919 Harvard Ave,
    Rapid City, SD 57702
  • Farmers Union Insurance Agency 

    2906 W Omaha #2,
    Rapid City, SD 57702
View more

Rapid City, SD DMV Information

Wait times at the Rapid City DMV are typically quite quick, as the office provides extended hours to serve residents. Situated in the northern part of the city, the DMV is open Monday through Saturday from 11 a.m. to 7 p.m. and Sundays from noon to 6 p.m. Individuals who need to take a license exam are encouraged to visit a separate office just south of Rapid City.

Public Transportation in Rapid City, SD

Rapid City is committed to offering residents alternative options to driving and features several public transportation systems to choose from. Rapid Ride functions similarly to a traditional bus system, while Dial-A-Ride can be utilized on an as-needed basis. The City View Trolley can be used for commuting although it’s designed more for sight-seeing, with its last departure at 4 p.m. each day. Rideshare options like Uber or Lyft are common here, too.

Green Driving in Rapid City SD

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint.

The state of South Dakota offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Insurify's Greenest Cities

Rapid City

2%% of Hybrids / Electrics

How to get the best and cheapest car insurance in Rapid City, SD

Rapid City streets can be busy with visitors driving to and from Mount Rushmore, so it’s smart to plan your trips around rush hour if you can. Commuters who must travel during busy times may want to rely on public transportation from time to time to take the stress out of driving. No matter when you choose to get behind the wheel, it’s imperative that you have adequate auto insurance to cover you in the event of an accident.

Motorists who want to save money on their premiums can compare real-time quotes quickly and easily with Insurify. Simply answer a few questions and you’ll be able to uncover a range of discounts and can even enroll in a new policy online.

FAQs - Rapid City, SD Car Insurance

  • Yes, South Dakota drivers are only responsible for enrolling in this type of coverage. Many motorists choose to purchase additional options to offer better protection and greater peace of mind when driving.
  • The state considers this to be a Class 2 misdemeanor and may enforce a $100 fine, require that you spend 30 days in jail, or both. Your license will be suspended for at least 30 days and could be revoked for up to one year.
  • Most residents find that they pay rates similar to the national average for auto insurance. Keep in mind that your individual premium will be determined by a number of factors, including your driving history and even your credit score.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Rapid City Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Rapid City, South Dakota below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Rapid City drivers measure up to their fellow motorists across South Dakota in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Rapid City

#2

City with the Most Speeding Tickets Rank in South Dakota

#1

City with the Most Moving Violations Rank in South Dakota

#2

City with the Most DUIs Rank in South Dakota

#2

City with the Most Suspended Licenses in South Dakota

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Rapid City drivers rank 2 in the number of car accidents per driver across all cities in South Dakota.

    • Rank within state: #2
    • Percent of drivers in Rapid City with an accident: 11.54%
    • Drivers in Rapid City, SD with an accident in their driving history pay on average 35.51% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Dakota, Rapid City drivers rank 2 in the number of speeding infractions per driver.

    • Rank within state: #2
    • Percent of drivers in Rapid City with a speeding ticket: 9.42%
    • Drivers in Rapid City, SD with a speeding ticket in their driving history pay on average 57.97% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rapid City drivers rank 2 in the number of DUI’s per driver across all cities in South Dakota.

    • Rank within state: #2
    • Percent of drivers in Rapid City with a DUI: 4.23%
    • Drivers in Rapid City, SD with a DUI in their driving history pay on average -94.2% more than drivers with a clean record
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Dakota, Rapid City drivers rank 1 in rude driving infractions.

    • Rank within state: #1
    • Percent of drivers in Rapid City with a reckless driving violation: 2.31%
    • Drivers in Rapid City, SD with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Rapid City drivers rank 1 in clean driving records across all cities in South Dakota.

    • Rank within state: #1
    • Percent of drivers in Rapid City with clean record: 77.31%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Rapid City drivers rank 1 in failure to yield violations per driver across all cities in South Dakota.

    • Rank within state: #1
    • Percent of drivers in Rapid City with a failure to yield violation: 0.38%
    • Drivers in Rapid City, SD with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Dakota, Rapid City drivers rank 2 in the number of reckless driving offenses per driver.

    • Rank within state: #2
    • Percent of drivers in Rapid City with a reckless driving offense: 0.19%
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Rapid City is the Ford F-Series Pickup.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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