Sioux Falls Car Insurance

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

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What Is the Average Cost of Car Insurance in Sioux Falls?

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 Sioux Falls typically pay around $101.25 per month compared to the national average of $140.69 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 $140.69
South Dakota $100.31
Sioux Falls, South Dakota $101.25

Sioux Falls, SD Best Car Insurance Companies

car insurance in Sioux Falls

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 $98.81 per month. Other companies to consider if you live in Sioux Falls is Auto-Owners Insurance Co with an average cost of $99.66 per month and Farmers Mutual of Nebraska which typically runs around $100.58 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Sioux Falls.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $98.81-1.50%
2 Auto-Owners Insurance Co $99.66-0.65%
3 Farmers Mutual of Nebraska $100.580.26%
4 Farmers $109.749.40%
5 Farm Bureau Mutual (IA Group) $109.929.57%
6 American Family $111.4111.06%
7 Allied $126.3325.93%
8 Western National $134.1233.70%
9 North Star $145.0744.62%
10 Allstate $154.2153.73%

How Much is Car Insurance in Sioux Falls, SD?

how much is auto insurance in Sioux Falls

Rates can vary from city to city. The residents of Aberdeen typically pay $94.87 per month while people who live in Brookings will pay $90.66 per month on average. See what people pay for car insurance in other cities in South Dakota.

South Dakota CitiesMonthly Average Rate
Aberdeen$94.87
Brookings$90.66
Chamberlain$94.80
Chester$67.49
Elkton$93.00
Hudson$75.96
Huron$97.17
Madison$89.88
Milbank$70.08
Oldham$100.27
Rapid City $105.94
Scotland$80.15
Sioux Falls $101.25
Spearfish$111.85
Yankton$90.56

Cheap Car Insurance in Sioux Falls by Zip Codes

find cheap auto insurance in Sioux Falls

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 CodeAverage Monthly Rate
57015$87.06
57103$102.88
57104$92.89
57105$109.94
57106$103.16
57107$95.12
57108$106.38
57110$104.06
57197$137.32

Car Insurance Rates by Driver's Age Group in Sioux Falls

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $189.19 per month in Sioux Falls. Compare that to drivers in their 30’s who typically pay around $91.54 per month drivers in their 40s at $85.81 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
16-19$189.19
20s$140.04
30s$91.54
40s$85.81
50s$78.85
60s$71.03
70+$91.41

Cheapest Insurance for Teenage Drivers in Sioux Falls

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 $185.10 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.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$185.10
State Farm$192.79
Auto-Owners Insurance Co$200.18
American Family$204.95
Farmers Mutual of Nebraska$213.45

Cheapest Insurance for 20 Year-olds in Sioux Falls

20 year-olds in Sioux Falls might want to consider State Farm who, on average, offers car insurance rates around $139.20 per month. Farmers Mutual of Nebraska , American Family , Farm Bureau Mutual (IA Group) and Farmers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$139.20
Farmers Mutual of Nebraska$146.79
American Family$148.09
Farm Bureau Mutual (IA Group)$152.79
Farmers$154.96

Cheapest Insurance for 30 Year-olds in Sioux Falls

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 $78.05 per month, followed by Auto-Owners Insurance Co at $87.81 and State Farm at $91.49.

CompanyAverage Monthly Rate
Buckeye Insurance Group$78.05
Auto-Owners Insurance Co$87.81
State Farm$91.49
Farmers Mutual of Nebraska$91.49
Farmers$101.84

Cheapest Insurance for 40 Year-olds in Sioux Falls

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 Auto-Owners Insurance Co or Farmers Mutual of Nebraska. The full list of top companies is below.

CompanyAverage Monthly Rate
Buckeye Insurance Group$59.28
Auto-Owners Insurance Co$82.19
Farmers Mutual of Nebraska$82.83
State Farm$86.05
Farmers$92.45

Cheapest Insurance for 50 Year-olds in Sioux Falls

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.

CompanyAverage Monthly Rate
Buckeye Insurance Group$46.05
Auto-Owners Insurance Co$71.06
Farmers Mutual of Nebraska$78.90
State Farm$81.47
Farm Bureau Mutual (IA Group)$83.22

Cheapest Insurance for 60 Year-olds in Sioux Falls

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 $64.44 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$64.44
State Farm$66.91
Farmers Mutual of Nebraska$69.84
Farm Bureau Mutual (IA Group)$74.40
Farmers$85.38

Driver's Coverage Auto Insurance Rates in Sioux Falls, 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 Sioux Falls, the average monthly rate for a driver who is currently insured is $98.28 while drivers who are not currently covered will pay around $105.80.

CoverageAverage Monthly Rate
Not Currently Insured $105.80
Currently Insured $98.28

Compare Recent Car Insurance Quotes in Sioux Falls

auto insurance quotes in Sioux Falls 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 Sioux Falls a driver of a 2015 Dodge Dart can expect to pay around $182.42 per month while someone that owns a 2007 Dodge Caliber may pay around $74.22 per month. Check out the list of recent quotes in Sioux Falls below.

VehicleAverage Monthly Rate
2015 Dodge Dart$182.42
2007 Dodge Caliber$74.22
2015 Chevrolet Cruze$107.26
2012 Nissan Altima$111.39
2019 Dodge Grand Caravan$96.60
2013 Ford Focus$167.43
1993 Jeep Grand Cherokee$38.27
2006 Dodge Caravan$68.57
2011 Chrysler Town & Country$108.41
2013 Dodge Durango$183.97

FAQ's for Drivers in Sioux Falls, SD

driver’s frequently asked question in Sioux Falls

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.

  • $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 Sioux Falls, 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 Sioux Falls, SD Nearby Cities:

Sioux City, IA

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Commute Time in Sioux Falls, SD

16.9 Miles
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Commute Time in United States

26.4 Miles
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Number 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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