Auto Insurance Rates For Sioux Falls, South Dakota: What To Expect

Sioux Falls is the largest city in South Dakota, and its residents pay more for car insurance than the state average. On average, car insurance in Sioux Falls costs $115 per month, with liability coverage costing $63 and full coverage costing $167. The cheapest car insurance provider in the city is State Auto, with an average cost of $49 per month for liability-only insurance. Western National is the cheapest option for minimum coverage, with an annual cost of $268, while Kemper offers the lowest rates for full coverage at $718 per year.

Cheapest car insurance rates in Sioux Falls, South Dakota

The cost of car insurance in Sioux Falls, South Dakota, varies depending on factors such as age, gender, driving record, and vehicle. On average, drivers in the city pay $115 per month for auto coverage, which is slightly higher than the state average of $122 but lower than the national average of $160.

Average Cost of Car Insurance in Sioux Falls

The average cost of full-coverage car insurance in Sioux Falls is $187 per month, while minimum coverage averages $81. The city's rates are well below the national average of $160.

Cheapest Car Insurance Companies in Sioux Falls

• State Auto: $49 for liability-only coverage.
• Midvale Home & Auto: $54 for liability-only coverage and $118 for full coverage.
• Dairyland: $63 for liability-only coverage.
• CSAA (for AAA members): $143 for full coverage.
• Bristol West: $202 for full coverage.
• Safeco: $107 for full coverage.

Car Insurance Requirements in South Dakota

It is important to note that South Dakota has minimum insurance requirements that all drivers must meet. These include:

• Bodily injury liability: $25,000 per person and $50,000 per accident.
• Property damage liability: $25,000 per accident.
• Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident.

Tips for Finding Cheap Car Insurance in Sioux Falls

To find the cheapest car insurance in Sioux Falls, it is recommended to shop around and compare quotes from multiple insurers. Other tips include inquiring about discounts, such as for bundling policies or having a good driving record, and setting a higher deductible to lower your monthly premium payments.

Best car insurance companies in Sioux Falls, South Dakota

When it comes to finding the best car insurance companies in Sioux Falls, South Dakota, there are several factors to consider, including cost, customer service, and coverage options. Here are some of the top-rated companies in the area:

Western National

Western National is consistently ranked as one of the best car insurance providers in Sioux Falls. They offer affordable rates, with an average of $268 per year for minimum coverage and $804 per year for full coverage. They also have excellent customer service and a wide range of coverage options, including pet coverage and sound system coverage.

Auto-Owners Insurance Co

Auto-Owners Insurance is another highly rated company in Sioux Falls. They offer competitive rates, with minimum coverage starting at $273 per year and full coverage at $841 per year. They also have a strong reputation for customer service and claims handling.

State Auto

State Auto is known for offering some of the cheapest insurance rates in Sioux Falls. Their liability-only premium averages $49 per month, and they offer three different car insurance packages with optional add-ons like roadside assistance and accident forgiveness. However, some customers have complained about slow customer service and unexpected rate increases.

CSAA

CSAA is a good option for AAA members, as it provides insurance coverage as part of the membership benefits. They offer a range of coverage options and discounts, although specific details for South Dakota residents are not available on their website. CSAA has a good reputation for handling accidents and providing excellent customer service.

Midvale Home & Auto

Midvale Home & Auto is a subsidiary of American Family Insurance and offers some of the cheapest policies in Sioux Falls, especially for full coverage. They have an AM Best financial strength rating of A (Excellent) and provide standard coverage options, although their online presence is sparse.

When choosing a car insurance company in Sioux Falls, it is essential to compare quotes from multiple providers and consider your specific needs, such as coverage requirements, budget, and the level of customer service you expect.

Car insurance rates by driver's age group in Sioux Falls, South Dakota

Car insurance rates in Sioux Falls, South Dakota, vary depending on the driver's age group. Generally, younger and older drivers pay higher premiums than middle-aged adults.

Teens and young adults in Sioux Falls often pay around $186.54 per month for car insurance. This is because they are considered to be high-risk drivers due to their lack of driving experience. According to the Insurance Information Institute, teenagers are more prone to road accidents, which results in higher insurance rates.

As drivers move into their 30s, their insurance rates tend to decrease. Drivers in their 30s typically pay around $91.96 per month, while those in their 40s pay approximately $86.37 per month.

For adults in the 25-55 age group, the average car insurance rate in Sioux Falls is $1,386 per year. Seniors aged 60-75 years old can expect to pay around $1,293 per year for their car insurance.

It is worth noting that these rates can vary depending on other factors such as driving history, claims history, and the specific insurance company. Additionally, factors like gender and credit score can also influence car insurance rates.

Overall, Sioux Falls residents pay less for car insurance than the state and national averages, making it a relatively affordable city for car insurance.

Cheapest insurance for teenage drivers in Sioux Falls, South Dakota

As a teenager, you might be looking to get your first auto insurance policy in Sioux Falls, South Dakota. Here's what you need to know about finding the cheapest insurance for young drivers in the city.

Cheapest Insurance Companies for Teen Drivers in Sioux Falls

According to Insurify, the cheapest car insurance for teens in Sioux Falls is offered by:

• Allstate: $1,234 per year for female teens, $1,320 per year for male teens
• Nationwide: $1,342 per year for female teens, $1,465 per year for male teens

Progressive was found to have the priciest premiums for teen drivers in the city, charging approximately $2,718 and $2,957 for female and male teens, respectively.

MoneyGeek's analysis also found Allstate to be the cheapest for teens, with rates of $1,234 and $1,320 for female and male teens, respectively.

Tips for Finding Cheap Car Insurance as a Teen Driver

• Shop around and compare quotes: Get quotes from multiple insurance companies and compare their rates, coverage options, and discounts offered.
• Consider a family plan: Adding a teen to a family plan is usually much cheaper than purchasing a separate policy. In Sioux Falls, adding a teenage son to a family policy costs an average of $2,268, while a separate policy costs around $4,984.
• Look for discounts: Ask about discounts for good students, bundling policies, or using telematic devices.
• Choose minimum coverage: Minimum liability coverage is typically cheaper than full coverage, but make sure you understand the risks and limitations.
• Increase your deductible: A higher deductible can lower your monthly premium payments.
• Maintain a clean driving record: Avoid speeding tickets, at-fault accidents, or DUIs, as these can significantly increase your insurance rates.
• Consider the type of car you drive: Older, low-value vehicles may not need full coverage insurance.
• Ask about student discounts: Some insurance companies offer discounts for students with good grades.
• Bundle your policies: You may get a discount if you bundle your car insurance with other types of insurance, such as renters or homeowners insurance.
• Take a driver's education course: Completing an approved driver education course can help you qualify for lower rates.

Cheapest insurance for drivers with a speeding ticket in Sioux Falls, South Dakota

Drivers in Sioux Falls, South Dakota, can expect to pay a monthly average of $113 for liability-only policies and $292 for full-coverage insurance after getting a speeding ticket. The cheapest car insurance companies in the city for drivers with a speeding ticket are:

• Western National: $804 per year
• Auto-Owners Insurance Co: $841 per year

Western National is also the best overall car insurance provider in Sioux Falls, offering affordable rates and excellent customer service.

Frequently asked questions