Best Car Insurance in Sioux Falls 2021

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Car insurance in Sioux Falls South Dakota costs single-car drivers an average of $3,002 annually, or about $250 per month. Compared to the state annual average of $2,366, auto insurance in Sioux Falls is $636 higher.
Here’s how much real Jerry customers pay for insurance in Sioux Falls:

Real quotes for Jerry customers in Sioux Falls, South Dakota

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
April 2, 2021Volkswagen Passat SESD35NationwideCustom$200/mo.$113/mo.
May 12, 2021Toyota RAV4 LimitedSD30AAACurrent$291/mo.$157/mo.
June 16, 2021Nissan Altima 2.5SD22ClearCoverCustom$200/mo.$168/mo.
January 4, 2021Chevrolet Impala LTSD20SafecoPredicted$307/mo.$188/mo.
March 21, 2021Cadillac SRX Performance CollectionSD29State AutoStandard$320/mo.$188/mo.
The best way to secure the right plan for lower premiums in Sioux Falls is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inSioux Falls have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Sioux Falls, South Dakota

Insurance Company
Before Jerry
After Jerry
Allstate$1,584$744
Safeco$2,351$1,661
Nationwide$2,331$1,752
State Auto$3,420$2,165
Travelers$9,264$8,400

Minimum coverage car insurance in Sioux Falls

On average, the cost of minimum coverage car insurance in Sioux Falls is -- per year, or -- per month.

The minimum level of car insurance required in Sioux Falls is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Sioux Falls:
Before Jerry
After Jerry
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Safeco$3,684$2,431
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Full coverage car insurance in Sioux Falls

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Sioux Falls:
Before Jerry
After Jerry
$3,480$1,976
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Safeco$3,144$2,013
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How does your age affect your auto insurance cost in Sioux Falls?

If you’re a driver under 25 in Sioux Falls, you could be paying as much as $87 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Sioux Falls saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$3,684$2,415
21-24$4,160$3,755
On the contrary, here’s how much drivers aged 25 and over in Sioux Falls pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$3,123$2,018
35-44$2,863$1,649

Cheapest car insurance for drivers in Sioux Falls with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Sioux Falls saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$3,684$2,431
Here’s how much drivers with a bad driving record in [Sioux Falls saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,400$1,404
Safeco$2,347$1,720
State Auto$3,840$2,427
Travelers$9,264$8,400

Cheapest car insurance for young drivers in Sioux Falls with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,684$2,431
Here’s how much young drivers with a bad driving record in [Sioux Falls saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Safeco$2,280$1,730
Travelers$9,264$8,400
Let Jerry find your price in only 45 seconds
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How can you save money on car insurance in Sioux Falls

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Sioux Falls you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 12, 2021Toyota RAV4 LimitedSD30AAACurrent$291/mo.$157/mo.
March 21, 2021Cadillac SRX Performance CollectionSD29State AutoStandard$320/mo.$188/mo.
January 4, 2021Chevrolet Impala LTSD20SafecoPredicted$307/mo.$188/mo.
April 2, 2021Volkswagen Passat SESD35NationwideCustom$200/mo.$113/mo.
September 5, 2020Hyundai Sonata GLSSD21MetlifeBasic$106/mo.$55/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
Still have some questions?
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