Sioux Falls, SD Auto Insurance (2024)

Sioux Falls, SD auto insurance is lower than the state and national average. This is surprising since the South Dakota auto insurance average rate is higher than the national average.

Even if average rates are low, you still want to find the most affordable Sioux Falls, SD auto insurance out there. Shop around and compare rates from multiple companies to see which one can offer you cheap car insurance that fits your needs.

Monthly Sioux Falls, SD Car Insurance Rates by ZIP Code

Find more info about the monthly Sioux Falls, SD car insurance rates by ZIP Code below:

Sioux Falls, SD Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Sioux Falls, South Dakota against other top US metro areas’ auto insurance rates.

Enter your ZIP code now to compare Sioux Falls, SD auto insurance quotes near you for free.

What is the cheapest auto insurance company in Sioux Falls, SD?

The cheapest Sioux Falls, SD auto insurance company based on average rates is State Farm. However, it is important to note that rates will be different for each driver. For more information about State Farm, check out our State Farm auto insurance review.

The cheapest Sioux Falls, SD auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average South Dakota auto insurance company rates?” We cover that as well.

The top auto insurance companies in Sioux Falls, SD ranked from least to most expensive are:

• State Farm auto insurance – $2,358.98
• Geico auto insurance – $2,423.73
• Nationwide auto insurance – $2,611.64
• Progressive auto insurance – $3,493.43
• American Family auto insurance – $3,592.78
• Farmers auto insurance – $3,685.35
• Allstate auto insurance – $4,609.89
• Liberty Mutual auto insurance – $6,709.26

There are many different factors that affect auto insurance rates, such as your age, driving record, and ZIP code. Young drivers, drivers with many tickets and accidents, and drivers who live in high crime areas will pay more for auto insurance.

Sioux Falls, South Dakota auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group. Auto insurance for teens and young drivers is usually the most expensive.

Your coverage level will play a significant role in your Sioux Falls, SD auto insurance rates. The types of car insurance you choose will impact your rates. Find the cheapest Sioux Falls, South Dakota auto insurance rates by coverage level below:

Your credit score will play a major role in your Sioux Falls, SD auto insurance rates since auto insurance companies use credit scores to determine rates. Find the cheapest Sioux Falls, South Dakota auto insurance rates by credit score below.

Your driving record will affect your Sioux Falls auto insurance rates. For example, a Sioux Falls, South Dakota DUI may increase your auto insurance rates 40 to 50 percent. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Sioux Falls, South Dakota auto insurance rates by driving record.

Factors affecting auto insurance rates in Sioux Falls, SD may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Sioux Falls, South Dakota auto insurance.

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Sioux Falls. South Dakota does use gender, so check out the average monthly auto insurance rates by age and gender in Sioux Falls, SD. Car insurance rates are more for males on average.

What auto insurance coverage is required in Sioux Falls, SD?

South Dakota requires drivers to carry at least the state minimum for auto insurance. The minimum car insurance requirements for South Dakota drivers are:

• $25,000 per person and $50,000 per incident for bodily injury liability
• $25,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, such as damages from the icy Sioux Falls, SD weather.

What affects auto insurance rates in Sioux Falls, SD?

Traffic can also cause an increase in your car insurance rates. More cars on the road equal a greater chance of being in an accident.

Although INRIX doesn’t have data for Sioux Falls, the closest city with data listed is Minneapolis, MN. Minneapolis is listed as the 77th most congested city in the U.S.

City-Data reports that most drivers in Sioux Falls, SD has a commute time of only about 20 minutes.

Theft can also raise your auto insurance rates. According to the FBI, there were 469 motor vehicle thefts in Sioux Falls in one year.

Sioux Falls, SD Auto Insurance: The Bottom Line

Sioux Falls car insurance is pretty inexpensive, but you still need to shop around before you buy Sioux Falls, SD auto insurance. Compare quotes from several different companies to find the best deal.

Enter your ZIP code now to compare Sioux Falls, SD auto insurance rates from multiple companies near you.