Cheap Auto Insurance Quotes in Sioux Falls, SD (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$46
$82
$90
$101
$145
AllstateState FarmGEICOProgressiveThe General
Monthly $

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.

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.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$93
$84
$92
$86
$101
$103
South DakotaRapid CityAberdeenBrookingsWatertownSioux Falls
Monthly $

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Sioux Falls, SD Driving Facts

south-dakota

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.

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.

Driving History
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 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.

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.

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.

Conclusion: 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.

Find local Sioux Falls agents

Prins Insurance of Sioux Falls, Inc.
4101 S Southeastern Ave, Sioux Falls, SD 57103
McKinneyOlson Insurance 
7001 S Lyncrest Place, Suite 102, Sioux Falls, SD 57108
Central States Insurance, LLC 
4305 S Louise Ave #106, Sioux Falls, SD 57106
Platinum Insurance Group, LLC 
4009 W 49th Street, Suite 103, Sioux Falls, SD 57106
Providence Financial, Inc. 
3208 E. 26th St, Sioux Falls, SD 57103
Great Lakes Insurance 
3500 S Sheldon Lane Ste 103, Sioux Falls, SD 57105
Sperling Agency, Inc. 
220 S Bahnson Ave Ste 1, Sioux Falls, SD 57103-2192
CorInsurance 
1801 S Marion Rd, Sioux Falls, SD 57106
Garza Insurance Agency 
900 East 10th Street, Sioux Falls, SD 57103
Graber & Associates 
4310 S Technology Drive, Sioux Falls, SD 57106

Insurify Insights: How Sioux Falls Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Sioux Falls, SD
suspended licenses
#2
Cities with Most
Suspended Licenses Rank

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.

Accidents Sioux Falls

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 paid on average 49.23% more than drivers with a clean record

Speeding Sioux Falls

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 paid on average 40% more than drivers with a clean record

DUI/DWIs Sioux Falls

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 paid on average 15.38% more than drivers with a clean record

Rude Sioux Falls

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 paid on average 23.85% more than drivers with a clean record.

Safest Drivers Sioux Falls

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%

Failure to Yield the Right of Way Sioux Falls

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 paid on average --% more than drivers with a clean record

Reckless Drivers Sioux Falls

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%

Most Popular Vehicle Sioux Falls

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.

Most Patriotic City

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

Do major insurance carriers have offices in Sioux Falls?

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.

Will my credit score affect my car insurance rates in Sioux Falls?

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.

Who offers the cheapest car insurance in my area?

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.

Insurify Rate Comparison Methodology

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.