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.

Jessica Martel
Written byJessica Martel
Jessica Martel
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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Updated March 1, 2024 at 11:00 AM PST

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Rapid City drivers pay an average of $122 per month for car insurance, slightly higher than the state average of $116. 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 $156. 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco3.8$124$47Affordability
Dairyland3.3$190$66Non-standard insurance
AAA3.5$161$81AAA 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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for affordability: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
A.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
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.
$115/mo

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

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Best insurer for non-standard insurance: Dairyland

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.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+

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]

They have been good to my family.

Jonna - November 27, 2023
Verified

I'm not too happy with the price.

christal - November 13, 2023
Verified

Not willing to work with me on anything.

Wendy - July 29, 2023
Verified
Read our Dairyland review

Best insurer for AAA members: AAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
830
A.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).
Not rated

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 CompanyAverage 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 CompanyAverage 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.

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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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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, March 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Dairyland639190104
CSAA76110112126
Bristol West77110107128
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.

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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.

AgeAverage 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.

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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 3.8 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. South Dakota Demographics. "South Dakota Cities by Population." Accessed December 11, 2023
  2. Naic.org. "Consumer Insurance Refined Search Results." Accessed December 11, 2023
  3. Aaa.com. "A.M. Best Reaffirms CSAA Insurance Group's A+ Rating." Accessed December 11, 2023
  4. South Dakota Division of Insurance. "Understanding Your Auto Insurance Policy." Accessed December 11, 2023
  5. IIHS. "Teenagers." Accessed December 11, 2023
  6. National Institute on Aging. "Safe Driving for Older Adults." Accessed December 11, 2023
Jessica Martel
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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