Cheapest car insurance in Sioux Falls, South Dakota (Nov 2024)

Written by R.E. Fulton and 2 others
Nov 25, 2024
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Cheapest car insurance in Sioux Falls, South Dakota (Nov 2024)

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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
Bristol West $85 36 57105 Pontiac G8 State Minimum No
Bristol West $189 37 57110 Jeep Renegade Sport 50/100 Yes
The General $134 23 57104 Honda Civic Lx State Minimum Yes
Dairyland $206 18 57104 Subaru Legacy Outback Ll Be State Minimum No
The General $74 38 57106 Chevrolet Traverse Ls State Minimum No
Last Updated Nov, 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 companyOverall ratingPriceClaims experienceCustomer service
AAA3.84N/A4.7
Progressive33N/A3.3

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

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:

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
State Minimum No Bristol West $85 36 57105 Pontiac G8
50/100 Yes Bristol West $189 37 57110 Jeep Renegade Sport
State Minimum Yes The General $134 23 57104 Honda Civic Lx
State Minimum No Dairyland $206 18 57104 Subaru Legacy Outback Ll Be
State Minimum No The General $74 38 57106 Chevrolet Traverse Ls
Last Updated Nov, 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 CodeAverage State Minimum Coverage RateAverage 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
At Fault With No Injury The General $252 21 57106 Infiniti Q50 Base State Minimum No
Not At Fault The General $602 33 57110 Hyundai Sonata Limited No Coverage Yes
At Fault With No Injury Dairyland $122 56 57104 Honda Accord Lx State Minimum No
At Fault With No Injury The General $346 56 57103 Ford F-150 Super Cab 50/100 Yes
At Fault With No Injury Safeco $68 58 57110 Ford Fiesta Se 50/100 Yes
Last Updated Dec 5, 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 The General $134 23 57104 Honda Civic Lx State Minimum Yes
Driving on Sus. License The General $213 54 57105 Chrysler 200 Limited State Minimum Yes
Failure to Obey Signal The General $252 21 57106 Infiniti Q50 Base State Minimum No
Failure to Obey Signal Dairyland $122 56 57104 Honda Accord Lx State Minimum No
Driving on Sus. License The General $308 21 57107 Ford Focus Titanium State Minimum Yes
Last Updated Dec 5, 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
550-659 Bristol West $85 36 57105 Pontiac G8 State Minimum No
550-659 Bristol West $189 37 57110 Jeep Renegade Sport 50/100 Yes
660-750 The General $74 38 57106 Chevrolet Traverse Ls State Minimum No
550-659 The General $213 54 57105 Chrysler 200 Limited State Minimum Yes
660-750 The General $252 21 57106 Infiniti Q50 Base State Minimum No
Last Updated Dec 5, 2024

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

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


Popular Car
Insurance Company
Premium (monthly)
Age
Zip Code
Liability Limits
Has Full Coverage
Honda Civic Lx The General $134 23 57104 State Minimum Yes
Honda Civic Lx The General $78 33 57104 State Minimum No
Toyota Rav4 Se The General $159 36 57107 State Minimum Yes
Ford F-150 Supercrew The General $461 23 57107 State Minimum Yes
Nissan Sentra S Dairyland $242 43 57104 State Minimum Yes
Last Updated Nov, 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.

FAQ

  • How much is car insurance in Sioux Falls?
  • What is the cheapest car insurance in Sioux Falls?
  • What is the minimum car insurance in Sioux Falls, South Dakota?
  • What is the best car insurance in Sioux Falls?
MEET OUR EXPERTS
meet-experts-thumbnail
R.E. Fulton
  • Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

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Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.