Compare Sioux Falls, SD Car Insurance Rates (2021)

The cheapest car insurance in Sioux Falls, SD, is from State Farm, although rates will vary for each person. Sioux Falls, SD car insurance must meet the state minimum requirements with coverage levels of 25/50/25 for liability and 25/50 for UM/UIM coverage. Compare Sioux Falls, South Dakota car insurance rates online to get the best price for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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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Founder & CFP®

UPDATED: Mar 4, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Sioux Falls, SD, is State Farm
  • Sioux Falls, South Dakota car insurance rates are affected by the traffic
  • Sioux Falls has the highest vehicle thefts in South Dakota

Sioux Falls, SD car insurance rates are $246 lower than the national annual average and $296 lower than the annual South Dakota car insurance average. You can save on Sioux Falls, SD car insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap car insurance in Sioux Falls, South Dakota for every age, credit history, and driving record.

Ready to find affordable Sioux Falls, SD car insurance? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Sioux Falls, SD?

The cheapest car insurance company in Sioux Falls, based on average rates, is State Farm.

The best auto insurance companies in Sioux Falls, SD, ranked from cheapest to most expensive are:

  • State Farm – $2,359
  • GEICO – $2,424
  • Nationwide – $2,612
  • Progressive – $3,493
  • American Family – $3,593
  • Farmers – $3,685
  • Allstate – $4,610
  • Liberty Mutual – $6,709

Several factors determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What car insurance coverage is required in Sioux Falls, SD?

All Sioux Falls drivers have to meet the South Dakota state law minimum requirements (liability car insurance) for car insurance.

In South Dakota, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Some car insurance agents recommend that you carry more than the state minimum. A higher coverage limit can cut out-of-pocket costs.

What affects car insurance rates in Sioux Falls, SD?

Sioux Falls is the most populated city in South Dakota. As the most populated city in the state, Sioux Falls will have a lot of commuters.

If more people drive, the higher your chances of an accident and even auto theft.

Did you know your daily commute to work affects your car insurance rate? According to Data USA, the average commute for Sioux Falls drivers is 16 minutes, which is nine minutes faster than the national average.

What about vehicle thefts? Car thefts in a particular area could mean more comprehensive car insurance claims. Therefore, auto insurance companies will issue higher rates.

According to the FBI Statistics of 2019, Sioux Falls had 658 auto thefts which is the highest number of South Dakota thefts.

Sioux Falls, SD Auto Insurance: The Bottom Line

Sioux Falls has a moderate price compared to other cities in South Dakota. Regardless of Sioux Falls, SD car insurance cost, you can still secure cheap car insurance by shopping around and comparing.

Before you buy car insurance in Sioux Falls, SD, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Sioux Falls, SD car insurance quotes.

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

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Average Monthly Car Insurance Rates by State