Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Mount Rushmore State.
That’s why whether you live in Sioux Falls or are planning to move there, you should be sure to equip yourself with robust car insurance. Comparing your car insurance options with Insurify makes it easy to find a policy that will protect you and your car without breaking the bank.
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 Sioux Falls, SD to find you the cheapest quotes in the area.
Here are the cheapest carriers in Sioux Falls 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 | |
|---|---|
 Allstate | $46/mo |
 State Farm | $82/mo |
 GEICO | $90/mo |
 Progressive | $101/mo |
 The General | $145/mo |
| Best Companies | ||
|---|---|---|
 American Family | $158/mo |
South Dakota Cities | |
|---|---|
| Rapid City | $84/mo |
| Aberdeen | $92/mo |
| Brookings | $86/mo |
| Watertown | $101/mo |
| Sioux Falls | $103/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.
Even though Sioux Falls teenage drivers are the most expensive group to insure in the city, their average premium of $267.47 is much lower than rates in other cities. Older drivers in their 60s and 70s will be happy to know that they will have access to the lowest rates, at $137.10 and $129.68, respectively. Ultimately, all age groups, apart from teenage drivers, can expect to pay an average monthly premium of less than $200.
| Driver's Age | |
|---|---|
| teens | $268 |
| 20s | $168 |
| 30s | $160 |
| 40s | $193 |
| 50s | $164 |
| 60s | $138 |
| 70s | $130 |
| 80s | $146 |
| Driving History | |
|---|---|
| No Violation | $161 |
| Speeding Ticket | $190 |
| At-Fault Accident | $204 |
| Failure to Stop for Red Light / Stop Sign | $144 |
Being responsible with your vehicle is not only important when it comes to keeping yourself and others safe, but it can impact your average auto insurance premium as well. This is especially true for drivers in Sioux Falls with no violation history. On average, motorists with a clean driving record only pay about $160.43 for their monthly premiums. Compare this to others with a history of speeding or at-fault accidents, and it is easy to see why being a responsible driver is important.
Insurance companies, including the ones in Sioux Falls, use credit scores to help determine your risk factor as a driver. Often, the better your credit rating, the better the average premium price you will receive on your auto insurance. Drivers who currently have an excellent rating should expect to pay around $141.23 for their monthly premium. Compared to individuals with a poor rating, who pay $189.91 for coverage.
| Credit Tie | |
|---|---|
| Excellent | $142 |
| Good | $168 |
| Average | $183 |
| Poor | $190 |
The Sioux Falls Driver Exam Station can help you with all of your road test and licensing needs, while the County Treasurer’s office can help you with registration and title services. Hours are limited at both facilities, so be sure to call ahead at 1 (605) 773-6883 and set up an appointment.
Sioux Area Metro operates 16 bus lines in Sioux Falls, making it easy for residents to get from point A to point B by public transit. If you’re trying to go out of town, the Jefferson Lines can get you to Kansas City, Minneapolis, and Omaha. Add in Sioux Falls’ taxi service, and you can say with certainty that residents have plenty of reliable ways to get around the city.
While Sioux Falls offers a decent mixture of public transit options, cars are still the primary way of getting around in South Dakota’s largest city. To make sure you’re getting the best deal on car insurance, compare free auto insurance quotes side by side with Insurify.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Sioux Falls drivers measure up to their fellow South Dakota motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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. Sioux Falls drivers rank 1 in the number of car accidents per driver across all cities in South Dakota.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Dakota, Sioux Falls drivers rank 1 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Sioux Falls drivers rank 1 in the number of DUI’s per driver across all cities in South Dakota.
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, Sioux Falls drivers rank 2 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Sioux Falls drivers rank 2 in clean driving records across all cities in South Dakota.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Sioux Falls drivers rank 2 in failure to yield violations per driver across all cities in South Dakota.
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, Sioux Falls drivers rank 1 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Sioux Falls is the Honda Accord.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Sioux Falls won Insurify's Most Patriotic Cities Award for the state of South Dakota.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
