Rapid City Car Insurance

How much does car insurance cost in Rapid City, SD? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Rapid City?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in South Dakota has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Rapid City typically pay around $108.80 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
South Dakota $110.23
Rapid City, South Dakota $108.80

Rapid City, SD Best Car Insurance Companies

car insurance in Rapid City

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Rapid City coming in around $98.07 per month. Other companies to consider if you live in Rapid City is Auto-Owners Insurance Co with an average cost of $108.36 per month and Farmers Mutual of Nebraska which typically runs around $114.69 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Rapid City.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $98.07-11.03%
2 Auto-Owners Insurance Co $108.36-1.70%
3 Farmers Mutual of Nebraska $114.694.04%
4 American Family $115.755.00%
5 Farmers $116.625.79%
6 Farm Bureau Mutual (IA Group) $138.6425.77%
7 Allied $143.1829.89%
8 Buckeye Insurance Group $151.5637.49%
9 Allstate $162.0146.97%
10 North Star $183.3866.36%

How Much is Car Insurance in Rapid City, SD?

how much is auto insurance in Rapid City

Rates can vary from city to city. The residents of Aberdeen typically pay $102.33 per month while people who live in Aurora will pay $111.92 per month on average. See what people pay for car insurance in other cities in South Dakota.

South Dakota CitiesMonthly Average Rate
Brookings $102.71
Milbank $90.14
Rapid City $108.80
Sioux Falls $115.61

Cheap Car Insurance in Rapid City by Zip Codes

find cheap auto insurance in Rapid City

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of South Dakota. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Rapid City, SD ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Rapid City

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $136.38 per month in Rapid City. Compare that to drivers in their 30’s who typically pay around $96.33 per month drivers in their 40s at $97.74 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Rapid City

If you are teen in Rapid City you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Farmers typically charges around $135.05 per month. This is likely the most affordable option in Rapid City. You might also want to consider State Farm and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$137.09
Auto-Owners Insurance Co$137.29
American Family$146.75
Farmers Mutual of Nebraska$158.65

Cheapest Insurance for 20 Year-olds in Rapid City

20 year-olds in Rapid City might want to consider State Farm who, on average, offers car insurance rates around $136.68 per month. American Family , Auto-Owners Insurance Co , Farmers Mutual of Nebraska and Farmers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$136.68
American Family$149.98
Auto-Owners Insurance Co$157.15
Farmers Mutual of Nebraska$163.51

Cheapest Insurance for 30 Year-olds in Rapid City

If you are in your 30s in Rapid City our research has found that State Farm typically has the most affordable coverage coming in around $80.39 per month, followed by Auto-Owners Insurance Co at $92.17 and Farmers Mutual of Nebraska at $100.25.

CompanyAverage Monthly Rate
State Farm$80.39
Auto-Owners Insurance Co$92.17
Farmers Mutual of Nebraska$100.25
American Family$100.65

Cheapest Insurance for 40 Year-olds in Rapid City

On average, State Farm offers car insurance for 40 year-olds in Rapid City for around $88.71 per month. If you are looking for affordable coverage, you may also want to consider Farmers or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$88.71
Auto-Owners Insurance Co$106.96
Farmers Mutual of Nebraska$108.62
American Family$111.14

Cheapest Insurance for 50 Year-olds in Rapid City

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Rapid City we found that State Farm generally offers the most affordable coverage at $54.04 per month.

CompanyAverage Monthly Rate
State Farm$54.04
Auto-Owners Insurance Co$67.44
Farmers Mutual of Nebraska$76.58
American Family$77.66

Cheapest Insurance for 60 Year-olds in Rapid City

If you live in Rapid City and you’re in your 60s, our data indicates that State Farm usually has the best rates at $67.75 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$67.75
Farmers Mutual of Nebraska$81.74
Auto-Owners Insurance Co$87.22
American Family$98.32

Driver's Coverage Auto Insurance Rates in Rapid City, SD

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Rapid City, the average monthly rate for a driver who is currently insured is $105.38 while drivers who are not currently covered will pay around $113.10.

CoverageAverage Monthly Rate
Not Currently Insured $113.10
Currently Insured $105.38

Compare Recent Car Insurance Quotes in Rapid City

auto insurance quotes in Rapid City city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Rapid City a driver of a 2007 Toyota Camry can expect to pay around $111.16 per month while someone that owns a 2020 Ford Ecosport may pay around $251.56 per month. Check out the list of recent quotes in Rapid City below.

VehicleAverage Monthly Rate
2007 Toyota Camry$111.16
2020 Ford Ecosport$251.56
2021 Kia Forte$101.45
1996 Ford F150$157.45
2007 Chrysler 300$77.53
2014 Ram 1500$107.35
2007 Ford F350$97.12
2016 Ford Escape$140.02
2024 Jeep Gladiator$208.20
2014 Ford Fusion$203.80

FAQ's for Drivers in Rapid City, SD

driver’s frequently asked question in Rapid City

What Is the Minimum Liability Coverage Requirement in Rapid City, SD?

Every state requires drivers to have a minimum amount of liability coverage. South Dakota drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Auto insurance policies in South Dakota must include bodily injury, property damage, and uninsured motorists coverage. Coverage levels must meet or exceed the following levels: $25,000 per person and $50,000 per accident of bodily injury liability; $25,000 of property damage liability; and $25,000 per person and $50,000 per accident of uninsured/underinsured motorist coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Rapid City, SD?

It’s against the law to drive in South Dakota at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Even though a BAC of 0.08% is the legal limit for a DUI, you can be charged and found guilty of driving under the influence of alcohol with a BAC of 0.05% and your driving is believed to be impaired. And, you don’t need to be driving to be charged with DUI in South Dakota. If you’re in your vehicle and the keys are within reach, you can be charged and convicted.

What happens if my coverage lapses?

Driving without insurance is not tolerated in South Dakota, regardless of the reason for your lapse in coverage. Driving without liability insurance is a class 2 misdemeanor and can lead to fines, license suspension, or possibly jail time. You may also be classified as a high-risk driver, resulting in more expensive car insurance.

Check Out Other Rates in Rapid City, SD Nearby Cities:

Casper, WY

Cheyenne, WY


Commute Time in Rapid City, SD

15.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Rapid City, SD


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Answer a few questions and let Penny find the best rates in your area.