How to find the cheapest car insurance quotes in Sioux Falls

In Sioux Falls, the average auto insurance policy costs about $71 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Sioux Falls drivers pay 23% less than the South Dakota average.

To find the best car insurance rate in Sioux Falls, South Dakota, the best thing to do is to shop around and compare quotes from multiple insurers to find the cheapest rate for the coverage you need. Jerry Insurance Agency takes pride in providing thousands of South Dakota drivers with a fast and seamless insurance shopping experience—including cross-company quote comparisons.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Nationwide	$160	27	57106	Ford Fusion Se	100/300	Yes
Nationwide	$66	67	57106	Lexus Es 330	50/100	Yes
Safeco	$238	24	57108	Jeep Wrangler Unlimited Sport	State Minimum	Yes
Nationwide	$31	40	57106	Saturn Vue	20/40	No
AAA	$166	28	57104	Ford Freestyle Sel	50/100	Yes

Last Updated Nov 25, 2024

Best car insurance companies in Sioux Falls

Finding the right car insurance policy is personal, which means there’s no single insurance provider that will be the right fit for every driver. That’s why it’s in your best interest to shop around and compare policies to ensure you’re not overpaying.

On top of cost, you’ll also want to go with an insurer backed by a good reputation for things like claims handling and customer service.

Thanks to Jerry, you don’t have to do the work searching for the best insurers in Sioux Falls, South Dakota—we’ve done the work for you. Jerry administered the largest insurance shopping survey in the United States, and the results were surprising.

Though State Farm and Progressive are the largest auto insurers in the area, customers favored smaller providers like The General, which received 5/5 for policy cost, customer service, and overall rating.

To find the right provider, check out the table below to see how Sioux Falls drivers ranked different insurance providers on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
AAA	3.8	4	N/A	4.7
Progressive	3	3	N/A	3.3

Best cheap car insurance quotes in Sioux Falls

Before you get behind the wheel in Sioux Falls, be sure you have car insurance that complies with the minimum state-mandated coverage limits in South Dakota. Purchasing liability insurance to the state limits is not only the law, but also the cheapest type of insurance you can get.

That said, most drivers can benefit from purchasing a full-coverage policy to protect themselves in the event of an at-fault accident.

Cheap minimum liability insurance quotes in Sioux Falls

South Dakota’s car insurance laws set forth the following minimum auto insurance requirements:

• $25,000 of bodily injury liability per person
• $50,000 of bodily injury liability per accident
• $25,000 of property damage liability per accident
• Uninsured/underinsured motorist coverage to the state limits above

Purchasing liability coverage that meets the state limits can reduce your monthly insurance payments, but it can leave you on the hook for significant expenses if you’re involved in an at-fault accident that causes injury or property damage.

Do you need more than minimum coverage in Sioux Falls?

South Dakota’s 25/50/25 minimum car insurance requirements are reasonable but may not be enough to fully protect you in an accident. Whether you increase your liability limits or purchase full coverage insurance, purchasing extra protection is recommended.

The answer: In most cases, it’s beneficial for Sioux Falls drivers to carry more than minimum liability coverage.

While minimum liability coverage will give you the cheapest car insurance rates, it risks leaving you underinsured. It’s important to note that liability insurance won’t cover damage to your vehicle—only damages and medical bills for the other parties involved.

The legally required minimum coverage limits can easily be exceeded in more severe accidents. If you’re found at fault for the collision, you could be responsible for paying any remaining expenses for damages and injuries yourself.

The bottom line: It’s recommended to upgrade your policy to higher liability limits, such as 50/100/50 or 100/300/100 liability coverage.

Cheap full coverage car insurance quotes in Sioux Falls

Full coverage car insurance, including comprehensive and collision coverage, will cover damage to your vehicle.

• Collision coverage pays for damage after a vehicle accident
• Comprehensive coverage covers damage resulting from other types of incidents, like vandalism, theft, or severe weather

If you lease or finance a car, your lender will likely require full coverage auto insurance for the duration of your loan.

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
100/300	Yes	Nationwide	$160	27	57106	Ford Fusion Se
50/100	Yes	Nationwide	$66	67	57106	Lexus Es 330
State Minimum	Yes	Safeco	$238	24	57108	Jeep Wrangler Unlimited Sport
20/40	No	Nationwide	$31	40	57106	Saturn Vue
50/100	Yes	AAA	$166	28	57104	Ford Freestyle Sel

Last Updated Nov 25, 2024

Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed insurance broker like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.

Average cost of car insurance in Sioux Falls

After analyzing scores of insurance providers in Sioux Falls, we have discovered that the average price for minimum liability coverage amounts to be $71 per month or $852 per year. Additionally, residents of Sioux Falls can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.

While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Sioux Falls by zip code

The cost of car insurance in Sioux Falls can greatly differ depending on your specific zip code. Each individual zip code within Sioux Falls has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
57103	$56	$90
57104	$42	$94
57106	$39	$138
57107	$66	$124

Car insurance quotes in Sioux Falls by rating factors

Insurance companies in Sioux Falls use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
• Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
• Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
• Your mileage: High annual mileage can result in higher insurance costs.
• The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
• Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

Cheap car insurance quotes in Sioux Falls after driving violations

Insurers will look at your South Dakota driving record to determine your level of risk as a policyholder. Expect a more expensive premium if you have multiple or severe violations on your record.

Some common violations that contribute to premium increases include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license
• Driving without insurance

Cheapest car insurance in Sioux Falls after DUI

DUIs are a serious violation in Sioux Falls—and if you have one on your driving record, you can almost guarantee you’ll see an increase in car insurance rates. Having a DUI classifies you as a high-risk driver and high-risk insurance doesn’t come cheap.

If you’re lucky to find it, you’ll likely see the steepest car insurance rate increases of any violations—but shopping around for quotes using our comparison tool can help you find more affordable options.

Cheapest car insurance in Sioux Falls after an at-fault accident

Your car accident and claims history can affect your car insurance rates—and they take a while to clear from your driving record.

Insurance providers look at your accident history with a particular focus on your at-fault collisions to determine your level of risk. High-risk drivers with multiple at-fault accidents will typically see the highest rate increase. That said, having accident forgiveness on your policy can help prevent a surcharge.

Jerry has helped Sioux Falls drivers save on car insurance, even after at-fault accidents.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Not At Fault	Nationwide	$151	31	57106	Kia Sorento Lx	250/500	Yes
At Fault With Injury	AAA	$162	46	57103	Land Rover Lr4 Hse	100/300	Yes
At Fault With No Injury	Safeco	$204	33	57103	Lexus Lc 500	100/300	Yes
At Fault With No Injury	Allstate	$69	27	57104	Mazda 6 Sport	State Minimum	No
Not At Fault	State Auto	$321	29	57104	Ford Fusion S	100/300	Yes

Last Updated Nov 25, 2024

Cheapest car insurance in Sioux Falls after other driving violations

How much a traffic violation will affect your car insurance costs in South Dakota will vary depending on your provider and the severity of the offense. Things like reckless driving, driving on a suspended license, and driving without insurance are all violations that can increase car insurance rates in Sioux Falls.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Following too Closely	Safeco	$211	47	57106	Gmc Sierra K2500 Slt	100/300	Yes
Other Minor	The General	$206	33	57105	Dodge Neon Sxt	State Minimum	Yes
DUI	AAA	$317	31	57105	Honda Pilot Lx	50/100	Yes
Improper Passing	AAA	$111	32	57103	Chevrolet Malibu Lt	50/100	Yes
Other Minor	AAA	$138	27	57104	Kia Forte Lx	50/100	No

Last Updated Nov 25, 2024

Cheap car insurance quotes in Sioux Falls by age

Your age will have a significant impact on what you pay for car insurance in South Dakota.

Generally speaking, young drivers (under 25) have the highest car insurance rates of any age demographic. After your teen years, car insurance will typically decrease until your mid-70s, when it starts to rise again.

Cheapest car insurance in Sioux Falls for young drivers

Insurance rates for teen drivers are some of the highest in Sioux Falls. This is largely because they have less driving experience and a significantly higher risk of getting into accidents. Once a driver gains more experience behind the wheel, rates will decrease.

It’s a good idea to consider full coverage for vehicles used by teen drivers—especially if they’re newer or more valuable.

Cheapest car insurance in Sioux Falls for senior drivers

Car insurance rates generally start to rise again as drivers reach their mid-70s. This is largely due to:

• Increased accident risk
• Risk of more severe injuries or death after a collision

Shopping around for quotes can still help you find the lowest possible insurance rates for seniors in Sioux Falls.

Cheap car insurance quotes in Sioux Falls based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Cheap car insurance quotes for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Credit Score	Insurance Company	Monthly Quote	Age	Zip Code	Car Make Model Trim	Liability Limits	Has Full Coverage
<550	AAA	$166	28	57104	Ford Freestyle Sel	50/100	Yes
550-659	The General	$206	33	57105	Dodge Neon Sxt	State Minimum	Yes
550-659	AAA	$187	41	57106	Mitsubishi Outlander Sport Es	State Minimum	Yes
550-659	The General	$87	25	57104	Honda Accord Ex	State Minimum	No
660-750	Dairyland	$91	37	57106	Dodge Ram 1500	State Minimum	No

Last Updated Nov 25, 2024

Cheap car insurance quotes in Sioux Falls for popular cars

What you drive has a notable impact on your Sioux Falls auto insurance rate. Your insurance company will consider the vehicle’s safety, value, and potential repair and replacement costs to determine your rate.

These are some of the most popular cars in and around Sioux Falls:

• Ford F-150
• GMC Sierra 1500
• Honda Civic
• Toyota RAV4
• Jeep Cherokee
• Chevrolet Silverado 1500
• Nissan Sentra

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Learn more: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Honda Civic Lx	Safeco	$123	37	57104	100/300	Yes
Toyota Rav4 Xle	Safeco	$125	40	57110	100/300	Yes
Nissan Sentra S	State Auto	$116	51	57108	100/300	Yes
Ford F-150 Supercrew	AAA	$171	46	57108	100/300	Yes
Nissan Sentra 2.0	AAA	$309	24	57105	50/100	Yes

Last Updated Nov 25, 2024

How to lower car insurance costs in Sioux Falls

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
• Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
• Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.