How much does car insurance cost in Sioux Falls, SD? Check out the average rates that drivers pay below.
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 Sioux Falls typically pay around $101.91 per month compared to the national average of $144.96 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.
Area | Average Monthly Rate |
---|---|
National | $144.96 |
South Dakota | $100.88 |
Sioux Falls, South Dakota | $101.91 |
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 Sioux Falls coming in around $99.89 per month. Other companies to consider if you live in Sioux Falls is Auto-Owners Insurance Co with an average cost of $101.15 per month and Farmers Mutual of Nebraska which typically runs around $101.67 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Sioux Falls.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | State Farm | $99.89 | -0.98% |
2 | Auto-Owners Insurance Co | $101.15 | 0.27% |
3 | Farmers Mutual of Nebraska | $101.67 | 0.78% |
4 | Farmers | $110.45 | 9.48% |
5 | Farm Bureau Mutual (IA Group) | $110.91 | 9.94% |
6 | American Family | $112.05 | 11.07% |
7 | Allied | $128.15 | 27.03% |
8 | Western National | $137.69 | 36.49% |
9 | North Star | $146.88 | 45.60% |
10 | Allstate | $155.14 | 53.79% |
Rates can vary from city to city. The residents of Aberdeen typically pay $95.37 per month while people who live in Brookings will pay $90.73 per month on average. See what people pay for car insurance in other cities in South Dakota.
South Dakota Cities | Monthly Average Rate |
---|---|
Aberdeen | $95.37 |
Brookings | $90.73 |
Chamberlain | $94.80 |
Dallas | $141.95 |
Huron | $97.72 |
Milbank | $72.13 |
Rapid City | $106.73 |
Sioux Falls | $102.06 |
Spearfish | $111.85 |
Yankton | $92.69 |
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.
Sioux Falls, SD ZIP Code | Average Monthly Rate |
---|---|
57015 | $87.06 |
57103 | $103.22 |
57104 | $94.29 |
57105 | $110.46 |
57106 | $103.02 |
57107 | $97.94 |
57108 | $107.27 |
57109 | $168.67 |
57110 | $105.31 |
57197 | $137.32 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $188.79 per month in Sioux Falls. Compare that to drivers in their 30’s who typically pay around $91.98 per month drivers in their 40s at $86.28 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 Group | Average Monthly Rate |
---|---|
16-19 | $188.79 |
20s | $140.17 |
30s | $91.98 |
40s | $86.28 |
50s | $78.91 |
60s | $71.39 |
70+ | $91.18 |
If you are teen in Sioux Falls 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, Farm Bureau Mutual (IA Group) typically charges around $183.91 per month. This is likely the most affordable option in Sioux Falls. You might also want to consider State Farm and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Farm Bureau Mutual (IA Group) | $183.91 |
State Farm | $197.78 |
Auto-Owners Insurance Co | $200.33 |
American Family | $203.92 |
Farmers Mutual of Nebraska | $212.64 |
20 year-olds in Sioux Falls might want to consider State Farm who, on average, offers car insurance rates around $138.15 per month. Farmers Mutual of Nebraska , American Family , Farm Bureau Mutual (IA Group) and Farmers are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
State Farm | $138.15 |
Farmers Mutual of Nebraska | $147.20 |
American Family | $147.62 |
Farm Bureau Mutual (IA Group) | $152.31 |
Farmers | $154.95 |
If you are in your 30s in Sioux Falls our research has found that Buckeye Insurance Group typically has the most affordable coverage coming in around $86.99 per month, followed by Auto-Owners Insurance Co at $89.62 and Farmers Mutual of Nebraska at $92.19.
Company | Average Monthly Rate |
---|---|
Buckeye Insurance Group | $86.99 |
Auto-Owners Insurance Co | $89.62 |
Farmers Mutual of Nebraska | $92.19 |
State Farm | $93.00 |
Farmers | $101.34 |
On average, Buckeye Insurance Group offers car insurance for 40 year-olds in Sioux Falls for around $59.28 per month. If you are looking for affordable coverage, you may also want to consider Farmers Mutual of Nebraska or Auto-Owners Insurance Co. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Buckeye Insurance Group | $59.28 |
Farmers Mutual of Nebraska | $82.96 |
Auto-Owners Insurance Co | $83.98 |
State Farm | $87.71 |
Farmers | $92.86 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Sioux Falls we found that Buckeye Insurance Group generally offers the most affordable coverage at $46.05 per month.
Company | Average Monthly Rate |
---|---|
Buckeye Insurance Group | $46.05 |
Auto-Owners Insurance Co | $71.11 |
Farmers Mutual of Nebraska | $78.93 |
State Farm | $81.48 |
Farm Bureau Mutual (IA Group) | $83.21 |
If you live in Sioux Falls and you’re in your 60s, our data indicates that Auto-Owners Insurance Co usually has the best rates at $65.47 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Auto-Owners Insurance Co | $65.47 |
State Farm | $67.32 |
Farmers Mutual of Nebraska | $70.30 |
Farm Bureau Mutual (IA Group) | $74.70 |
Farmers | $85.35 |
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 Sioux Falls, the average monthly rate for a driver who is currently insured is $98.68 while drivers who are not currently covered will pay around $107.12.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $107.12 |
Currently Insured | $98.68 |
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 Sioux Falls a driver of a 2016 Nissan Rogue can expect to pay around $180.75 per month while someone that owns a 2005 Chrysler Pacifica may pay around $88.71 per month. Check out the list of recent quotes in Sioux Falls below.
Vehicle | Average Monthly Rate |
---|---|
2016 Nissan Rogue | $180.75 |
2005 Chrysler Pacifica | $88.71 |
2012 Ford Mustang | $134.78 |
2018 Ford Escape | $195.70 |
2018 Mitsubishi Outlander | $112.81 |
2018 Ford Fusion | $144.46 |
2006 Chevrolet Malibu | $74.12 |
2021 Hyundai Sonata | $148.00 |
2014 Ford Escape | $140.02 |
What Is the Minimum Liability Coverage Requirement in Sioux Falls, 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.
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 Sioux Falls, SD?
It’s against the law to drive in South Dakota at the following BAC percentages:
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 Sioux Falls, SD Nearby Cities:
Commute Time in Sioux Falls, SD
16.9 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Sioux Falls, SD
113 Methodology
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.
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