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Cheap Auto Insurance Quotes in Sioux Falls, SD (June 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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With over 180,000 residents, Sioux Falls is the most populous city in South Dakota. And with Interstate 90 and Interstate 29 passing through town, it’s no surprise that cars are residents’ main mode of transportation.
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.
Car Insurance in Sioux Falls, 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 Sioux Falls, SD to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Sioux Falls is $156 per month, or $1872 annually.
- Car insurance in Sioux Falls is $8 more than the average cost of car insurance in South Dakota.
- The cheapest car insurance provider in Sioux Falls on average is CSAA, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Allstate$46
State Farm$82
GEICO$90
Progressive$101
The General$145
Cheapest Car Insurance in Sioux Falls, 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 Sioux Falls | Quotes |
|---|---|
| Allstate | $46 /mo |
| State Farm | $82 /mo |
| GEICO | $90 /mo |
| Progressive | $101 /mo |
| The General | $145 /mo |
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Best Car Insurance in Sioux Falls, SD
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Sioux Falls. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $158 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| South Dakota Cities | |
|---|---|
| Rapid City | $84/mo |
| Aberdeen | $92/mo |
| Brookings | $86/mo |
| Watertown | $101/mo |
| Sioux Falls | $103/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 South Dakota
All motor vehicles operated or parked on South Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in South Dakota are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Dakota is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
- $25,000 per person for uninsured/underinsured motorist bodily injury
- $50,000 per accident for uninsured/underinsured motorist bodiliy injury
- $25,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Dakota, drivers are required to purchase this coverage for bodily injuries.
Sioux Falls Car Insurance Rates by Driver Age
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 | Avg. Monthly Cost |
|---|---|
| teens | $268 |
| 20s | $168 |
| 30s | $160 |
| 40s | $193 |
| 50s | $164 |
| 60s | $138 |
| 70s | $130 |
| 80s | $146 |
Sioux Falls Car Insurance Rates by Driving and Accident History
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $161 |
| Speeding Ticket | $190 |
| At-Fault Accident | $204 |
| Failure to Stop for Red Light / Stop Sign | $144 |
Sioux Falls Car Insurance Rates by Credit Tier
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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $142 |
| Good | $168 |
| Average | $183 |
| Poor | $190 |
See More: Bad Credit Car Insurance South Dakota
Find local Sioux Falls agents
Prins Insurance of Sioux Falls, Inc.
4101 S Southeastern Ave,
Sioux Falls, SD 57103McKinneyOlson Insurance
7001 S Lyncrest Place,
Suite 102, Sioux Falls, SD 57108Central States Insurance, LLC
4305 S Louise Ave #106,
Sioux Falls, SD 57106Platinum Insurance Group, LLC
4009 W 49th Street,
Suite 103, Sioux Falls, SD 57106Providence Financial, Inc.
3208 E. 26th St,
Sioux Falls, SD 57103Great Lakes Insurance
3500 S Sheldon Lane Ste 103,
Sioux Falls, SD 57105Sperling Agency, Inc.
220 S Bahnson Ave Ste 1,
Sioux Falls, SD 57103-2192CorInsurance
1801 S Marion Rd,
Sioux Falls, SD 57106Garza Insurance Agency
900 East 10th Street,
Sioux Falls, SD 57103Graber & Associates
4310 S Technology Drive,
Sioux Falls, SD 57106
Sioux Falls, SD DMV Information
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.
Public Transportation in Sioux Falls, SD
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.
Green Driving in Sioux Falls 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
Sioux Falls
2%% of Hybrids / Electrics
Most Patriotic City
Sioux Falls
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.
How to get the best and cheapest car insurance in Sioux Falls, SD
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.
FAQs - Sioux Falls, SD Car Insurance
State Farm has several agents in Sioux Falls, making it one of the primary car insurance options in the region. Additionally, several smaller regional carriers like McKinneyOlson have set up shop around Sioux Falls, giving drivers in the area plenty of choices. Most auto insurance carriers in most states will take a look at your credit score before determining your rates. As a Sioux Falls driver, you’ll want to keep your credit score in good shape so that you can avoid paying high premiums on car insurance. Car insurance is a dynamic market, with prices always changing for a variety of reasons. That’s why you’ll want to use Insurify to help you find the right car insurance for your budget. Just enter some information about your vehicle and driving history, and Insurify will give you 10+ free quotes from a wide range of insurance companies.
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- Personalized quotes in 5 minutes or less
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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 Sioux Falls 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 Sioux Falls, 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 Sioux Falls 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.
Dodge Dakota
Most Popular Car in Sioux Falls
#1
City with the Most Speeding Tickets Rank in South Dakota
#2
City with the Most Moving Violations Rank in South Dakota
#1
City with the Most DUIs Rank in South Dakota
#1
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. Sioux Falls drivers rank 1 in the number of car accidents per driver across all cities in South Dakota.
- Rank within state: #1
- Percent of drivers in Sioux Falls with an accident: 13.35%
- Drivers in Sioux Falls, SD with an accident in their driving history pay on average 49.23% 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, Sioux Falls drivers rank 1 in the number of speeding infractions per driver.
- Rank within state: #1
- Percent of drivers in Sioux Falls with a speeding ticket: 12.64%
- Drivers in Sioux Falls, SD with a speeding ticket in their driving history pay on average 40% more than drivers with a clean record
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.
- Rank within state: #1
- Percent of drivers in Sioux Falls with a DUI: 4.59%
- Drivers in Sioux Falls, SD with a DUI in their driving history pay on average 15.38% 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, Sioux Falls drivers rank 2 in rude driving infractions.
- Rank within state: #2
- Percent of drivers in Sioux Falls with a reckless driving violation: 1.83%
- Drivers in Sioux Falls, SD with a reckless driving violation in their driving history pay on average 23.85% 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; Sioux Falls drivers rank 2 in clean driving records across all cities in South Dakota.
- Rank within state: #2
- Percent of drivers in Sioux Falls with clean record: 75.13%
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.
- Rank within state: #2
- Percent of drivers in Sioux Falls with a failure to yield violation: 0.2%
- Drivers in Sioux Falls, 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, Sioux Falls drivers rank 1 in the number of reckless driving offenses per driver.
- Rank within state: #1
- Percent of drivers in Sioux Falls with a reckless driving offense: 0.2%
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 Dodge Dakota.
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.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- South Dakota Department of Labor and Regulation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022