Compare Sioux Falls, SD Car Insurance Rates (2021)

Car insurance in Sioux Falls, SD averages $307 a month. Sioux Falls, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Sioux Falls car insurance rates, compare quotes from the top car insurance companies in Sioux Falls, SD.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Sioux Falls is State Farm
  • The cheapest car insurance company in Sioux Falls for teen drivers is GEICO
  • The cheapest ZIP code in Sioux Falls is 57107

If you need to buy Sioux Falls, South Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Sioux Falls, SD is right here.

You’ll find Sioux Falls car insurance rates, the cheapest Sioux Falls, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Sioux Falls, South Dakota car insurance rates to Box Elder car insurance rates, Sioux Falls car insurance rates, and Pierre car insurance rates.

Ready to find affordable Sioux Falls, SD car insurance today? Enter your ZIP code for fast, free Sioux Falls car insurance quotes.

Cheapest Sioux Falls, SD Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Sioux Falls, SD car insurance rates? Every Sioux Falls, South Dakota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sioux Falls, South Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,428 $2,484 $2,139 $2,288 $9,928 $11,847 $2,752 $3,013
American Family $2,515 $2,515 $2,252 $2,252 $5,515 $8,094 $2,515 $3,084
Farmers $1,832 $1,832 $1,605 $1,685 $8,971 $9,329 $2,058 $2,171
GEICO $1,903 $1,788 $1,804 $1,663 $4,154 $4,843 $1,664 $1,571
Liberty Mutual $3,549 $3,842 $2,801 $3,411 $15,226 $17,099 $3,679 $4,066
Nationwide $1,802 $1,829 $1,623 $1,708 $4,252 $5,396 $2,064 $2,219
Progressive $1,869 $1,805 $1,546 $1,609 $7,667 $8,665 $2,336 $2,450
State Farm $1,474 $1,474 $1,317 $1,317 $4,295 $5,430 $1,665 $1,898

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Minimum Car Insurance in Sioux Falls, SD

Every driver must carry the minimum car insurance in Sioux Falls, SD. Take a look at the South Dakota car insurance requirements.

Minimum Required Car Insurance Coverage in Sioux Falls, South Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Sioux Falls, SD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sioux Falls, SD. Compare credit history car insurance rates in Sioux Falls from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Sioux Falls, South Dakota

Insurance Company Poor Fair Good
Allstate $5,617 $4,396 $3,817
American Family $4,631 $3,339 $2,809
Farmers $4,140 $3,533 $3,383
GEICO $3,927 $1,995 $1,349
Liberty Mutual $9,647 $5,881 $4,599
Nationwide $3,128 $2,512 $2,195
Progressive $3,968 $3,372 $3,140
State Farm $3,434 $2,053 $1,590

Cheapest Sioux Falls, SD Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sioux Falls, SD to rates for a clean record with top companies.

Annual Sioux Falls, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,824 $4,437 $5,901 $4,278
American Family $2,603 $3,859 $4,934 $2,974
Farmers $3,131 $3,990 $3,892 $3,728
GEICO $1,546 $2,592 $4,010 $1,546
Liberty Mutual $5,628 $7,075 $7,268 $6,866
Nationwide $1,928 $2,620 $3,685 $2,213
Progressive $2,997 $4,147 $3,232 $3,597
State Farm $2,164 $2,554 $2,359 $2,359

Cheapest Sioux Falls, SD Car Insurance for Teen Drivers

Teen car insurance in Sioux Falls, SD can be expensive. Take a look at rates from the top car insurance companies in Sioux Falls for teenagers.

Annual Car Insurance Rates for Teen Drivers in Sioux Falls, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,928 $11,847
American Family $5,515 $8,094
Farmers $8,971 $9,329
GEICO $4,154 $4,843
Liberty Mutual $15,226 $17,099
Nationwide $4,252 $5,396
Progressive $7,667 $8,665
State Farm $4,295 $5,430

Cheapest Sioux Falls, SD Car Insurance for Seniors

Take a look at Sioux Falls, SD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Sioux Falls, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,139 $2,288
American Family $2,252 $2,252
Farmers $1,605 $1,685
GEICO $1,804 $1,663
Liberty Mutual $2,801 $3,411
Nationwide $1,623 $1,708
Progressive $1,546 $1,609
State Farm $1,317 $1,317

Cheapest Sioux Falls, SD Car Insurance Rates After a DUI

A DUI in Sioux Falls, SD increases car insurance rates. Compare Sioux Falls, South Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sioux Falls, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,901
American Family $4,934
Farmers $3,892
GEICO $4,010
Liberty Mutual $7,268
Nationwide $3,685
Progressive $3,232
State Farm $2,359

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Cheapest Sioux Falls, SD Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Sioux Falls, SD by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Sioux Falls, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,497 $4,723
American Family $3,551 $3,635
Farmers $3,685 $3,685
GEICO $2,393 $2,454
Liberty Mutual $6,709 $6,709
Nationwide $2,612 $2,612
Progressive $3,493 $3,493
State Farm $2,299 $2,419

Cheapest Sioux Falls, SD Car Insurance Rates by ZIP Code

Sioux Falls car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sioux Falls, SD.

Annual Car Insurance Rates by ZIP Code in Sioux Falls, South Dakota

ZIP Code Average Annual Rates
57103 $3,921
57104 $3,927
57105 $3,914
57106 $3,862
57107 $3,804
57108 $3,870
57110 $3,853
57197 $3,893

The Best Cheap Car Insurance Companies in Sioux Falls, SD

Take a look at a side-by-side comparison of the top car insurance companies in Sioux Falls, SD to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Sioux Falls, South Dakota

Insurance Company Average Annual Rates
Allstate $4,610
American Family $3,593
Farmers $3,685
GEICO $2,424
Liberty Mutual $6,709
Nationwide $2,612
Progressive $3,493
State Farm $2,359

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Category Winners: Cheapest Car Insurance in Sioux Falls, South Dakota

Find the cheapest car insurance companies in Sioux Falls, SD for each category right here.

Best Annual Car Insurance Rates by Company in Sioux Falls, South Dakota

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Sioux Falls, SD Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Sioux Falls car insurance rates. Find the cheapest Sioux Falls, SD car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Sioux Falls, South Dakota

Insurance Company Low Medium High
Allstate $4,493 $4,603 $4,734
American Family $3,555 $3,685 $3,538
Farmers $3,466 $3,630 $3,960
GEICO $2,332 $2,420 $2,519
Liberty Mutual $6,546 $6,698 $6,884
Nationwide $2,406 $2,596 $2,833
Progressive $3,357 $3,447 $3,676
State Farm $2,242 $2,363 $2,472

What affects car insurance rates in Sioux Falls, South Dakota?

What factors can have an impact on Sioux Falls, SD car insurance? There are several reasons why Sioux Falls car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sioux Falls, South Dakota.

Car Theft in Sioux Falls

High levels of vehicle theft can make car insurance more expensive. Sioux Falls, SD car theft statistics from the FBI indicate 544 vehicle thefts a year.

Commute Time in Sioux Falls

The more time you spend in your car the higher the risk of an accident. The average commute length in Sioux Falls, SD is 16.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Sioux Falls, SD

Ready to find affordable Sioux Falls, South Dakota car insurance today? Enter your ZIP code for fast, free Sioux Falls, SD car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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