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.
Cheapest Car Insurance in Sioux Falls, SD
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.
| Companies | Quotes |
|---|---|
Allstate |
$46 /mo |
State Farm |
$82 /mo |
GEICO |
$90 /mo |
Progressive |
$101 /mo |
The General |
$145 /mo |
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 carrier reviews. The following are the top rated carriers that offer car insurance in Sioux Falls. For the complete list, see Insurify's best car insurance companies.
| Companies | Score | Quotes |
|---|---|---|
American Family |
88
|
$156 /mo |
|
GEICO |
87
|
$90 /mo |
|
Allstate |
86
|
$46 /mo |
|
State Farm |
83
|
$82 /mo |
|
Progressive |
78
|
$101 /mo |
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 |
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Sioux Falls, SD Driving Facts
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.
Insurify Rankings
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 Sioux Falls stacks up for the state of South Dakota:
Sioux Falls, SD
Suspended Licenses Rank
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. 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.
Sioux Falls
% of Hybrids/Electrics 2%
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.
FAQs - Sioux Falls, SD Car Insurance
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