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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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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.

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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 AgeAvg. Monthly Cost
teens$268
20s$168
30s$160
40s$193
50s$164
60s$138
70s$130
80s$146
Driving HistoryAvg. 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 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.

Credit TieAvg. Monthly Cost
Excellent$142
Good$168
Average$183
Poor$190

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.

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:

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