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Cheapest car insurance in Sioux Falls, South Dakota (Sep 2024)
Cheapest car insurance in Sioux Falls, South Dakota (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Sioux Falls, South Dakota.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Sioux Falls
- Best car insurance companies in Sioux Falls
- Best cheap car insurance quotes in Sioux Falls
- Average cost of car insurance in Sioux Falls
- Car insurance quotes in Sioux Falls by rating factors
- How do different factors impact your car insurance costs in Sioux Falls?
- Cheap car insurance quotes in Sioux Falls after driving violations
- Cheap car insurance quotes in Sioux Falls by age
- Cheap car insurance quotes in Sioux Falls based on insurance history
- Cheap car insurance quotes in Sioux Falls for popular cars
- How to lower car insurance costs in Sioux Falls
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
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 $152 per month for full coverage insurance. Sioux Falls drivers pay 7% more 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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $243 | Gordon, 25 Zip: 57103 | Mitsubishi Eclipse Cross ES | • 50,000/100,000 Liability • Comp / Collision |
| AAA | $142 | Randy, 38 Zip: 57106 | Honda Pilot EXL | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $158 | Nannie, 67 Zip: 57106 | Chevrolet Camaro LS | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $136 | Cynthia, 31 Zip: 57106 | KIA Sorento LX | • 250,000/500,000 Liability • Comp / Collision |
| Bristol West | $66 | Edwin, 31 Zip: 57107 | Honda HR-V EX | • State Minimum Liability |
Last Updated Sep 17, 2024Best 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 |
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.
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:- $50,000 of bodily injury liability per accident
- Uninsured/underinsured motorist coverageto 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.
Jerry users have found great rates for minimum liability coverage in Sioux Falls, South Dakota.
Iva (31 years old)
$117
per month
Vera (40 years old)
CoverageState Minimum
Sioux Falls, SD (Zip Code: 57106)
GMC NEW Sierra K1500$125
per month
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.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $243 | Gordon, 25 Zip: 57103 | Mitsubishi Eclipse Cross ES |
• 100,000/300,000 Liability • Comp / Collision | AAA | $142 | Randy, 38 Zip: 57106 | Honda Pilot EXL |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $158 | Nannie, 67 Zip: 57106 | Chevrolet Camaro LS |
• 250,000/500,000 Liability • Comp / Collision | Nationwide | $136 | Cynthia, 31 Zip: 57106 | KIA Sorento LX |
• State Minimum Liability • Comp / Collision | National General | $126 | Nancy, 31 Zip: 57107 | Honda HR-V EX |
Last Updated Sep 17, 2024Finding 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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 $152 per month or $1,823 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.
How do different factors impact your car insurance costs in Sioux Falls?
How do different factors impact your car insurance costs in Sioux Falls?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): South Dakota currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Sioux Falls:
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
- 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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | AAA | $129 | Belle, 57 Zip: 57103 | Nissan Pathfinder S | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Allstate | $130 | Minerva, 57 Zip: 57103 | Nissan Pathfinder S | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | AAA | $129 | Beatrice, 57 Zip: 57103 | Nissan Pathfinder S | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 17, 2024Cheapest 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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Stop | AAA | $304 | Mina, 22 Zip: 57103 | RAM 1500 Laramie | • 100,000/300,000 Liability • Comp / Collision |
Careless Driving | The General | $152 | Alfred, 23 Zip: 57106 | Mercedes-Benz S 550 4matic | • State Minimum Liability |
Driving on Sus. License | The General | $209 | Lois, 53 Zip: 57105 | Chrysler 200 Limited | • 50,000/100,000 Liability • Comp / Collision |
Failure to Stop | AAA | $304 | Clarence, 22 Zip: 57103 | RAM 1500 Laramie | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 14, 2024Cheap 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.
Ann (21 years old)
$308
per month
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.
Mitchell (67 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Sioux Falls, SD (Zip Code: 57106)
$66
per month
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:
Gavin (30 years old)
$117
per month
Jonathan (37 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Sioux Falls, SD (Zip Code: 57103)
$114
per month
Stanley (30 years old)
$66
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in 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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Allstate | $116 | Stephen, 53 Zip: 57106 | Chrysler 200 LX | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Safeco | $87 | Bernice, 30 Zip: 57103 | Mazda 3 Select | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | AAA | $129 | Mitchell, 57 Zip: 57103 | Nissan Pathfinder S | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Allstate | $158 | Bessie, 66 Zip: 57106 | Chevrolet Camaro LS | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 16, 2024Cheap 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:
Last Updated Sep 17, 2024How 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?
People living in Sioux Falls pay on average $71 per month – or $852 per year – on state-minimum liability coverage. Full coverage in Sioux Falls costs on average $152 per month or $1,823 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Sioux Falls?
Based on thousands of Sioux Falls drivers Jerry has worked with, car insurance in Sioux Falls costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Sioux Falls, South Dakota?
The state-minimum car insurance in Sioux Falls, South Dakota is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
What is the best car insurance in Sioux Falls?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Dairyland
, The General, and Nationwide
receive good ratings from Sioux Falls drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
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.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just 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.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.