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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
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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.
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.
Here are the cheapest carriers in Rapid City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $40/mo |
 Allstate | $50/mo |
 State Farm | $58/mo |
 GEICO | $101/mo |
 The General | $171/mo |
South Dakota Cities | |
|---|---|
| Sioux Falls | $103/mo |
| Aberdeen | $92/mo |
| Brookings | $86/mo |
| Watertown | $101/mo |
| Rapid City | $84/mo |
| South Dakota | $93/mo |
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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:
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:
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:
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.
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 Age | Avg. Monthly Cost |
|---|---|
| teens | $278 |
| 20s | $171 |
| 30s | $131 |
| 40s | $231 |
| 50s | $211 |
| 60s | $119 |
| 70s | $144 |
| 80s | $138 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $211 |
| Speeding Ticket | $178 |
| At-Fault Accident | $261 |
| Failure to Stop for Red Light / Stop Sign | $173 |
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.
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 Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $239 |
| Good | $242 |
| Average | $187 |
| Poor | $138 |
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.
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.
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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Rapid City stacks up for the state of South Dakota:
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. This city has been named the "greenest" in the state by Insurify.
The state of South Dakota offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.
