Best Cheap Auto Insurance in Sioux Falls, SD (2021)

The cheapest Sioux Falls, SD auto insurance is from State Farm, but rates will vary based on age, gender, and the kind of car you drive. Auto insurance in Sioux Falls, SD must meet the state minimum requirements of 25/50/25 in liability coverage. However, drivers are encouraged to carry higher coverage to avoid out-of-pocket costs.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 29, 2021

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Things to Remember

  • The cheapest auto insurance company in Sioux Falls, SD is State Farm
  • Sioux Falls, SD auto insurance is cheaper than the national average
  • Drivers in Sioux Falls must meet the 25/50/25 auto insurance requirements for the state

Sioux Falls, SD auto insurance is lower than the state and national average. This is surprising since the South Dakota auto insurance average rate is higher than the national average.

Even if average rates are low, you still want to find the most affordable Sioux Falls, SD auto insurance out there. Shop around and compare rates from multiple companies to see which one can offer you cheap car insurance that fits your needs.

Monthly Sioux Falls, SD Car Insurance Rates by ZIP Code

Find more info about the monthly Sioux Falls, SD car insurance rates by ZIP Code below:

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Sioux Falls, SD Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Sioux Falls, South Dakota against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Sioux Falls, SD auto insurance quotes near you for free.

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

The cheapest Sioux Falls, SD auto insurance company based on average rates is State Farm. However, it is important to note that rates will be different for each driver.

The cheapest Sioux Falls, SD auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average South Dakota auto insurance company rates?” We cover that as well.

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

  • State Farm – $2,358.98
  • GEICO – $2,423.73
  • Nationwide – $2,611.64
  • Progressive – $3,493.43
  • American Family – $3,592.78
  • Farmers – $3,685.35
  • Allstate – $4,609.89
  • Liberty Mutual – $6,709.26

There are many different factors that affect auto insurance rates, such as your age, driving record, and ZIP code. Young drivers, drivers with many tickets and accidents, and drivers who live in high crime areas will pay more for auto insurance.

Sioux Falls, South Dakota auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Sioux Falls, SD auto insurance rates. Find the cheapest Sioux Falls, South Dakota auto insurance rates by coverage level below:

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Your credit score will play a major role in your Sioux Falls, SD auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Sioux Falls, South Dakota auto insurance rates by credit score below.

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Your driving record will affect your Sioux Falls auto insurance rates. For example, a Sioux Falls, South Dakota DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Sioux Falls, South Dakota auto insurance rates by driving record.

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Factors affecting auto insurance rates in Sioux Falls, SD may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Sioux Falls, South Dakota auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Sioux Falls. South Dakota does use gender, so check out the average monthly auto insurance rates by age and gender in Sioux Falls, SD.

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

South Dakota requires drivers to carry at least the state minimum for auto insurance. The minimum car insurance requirements for Sioux Falls, SD drivers are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, such as damages from the icy Sioux Falls, SD weather.

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What affects auto insurance rates in Sioux Falls, SD?

Traffic can also cause an increase in your car insurance rates. More cars on the road equal a greater chance of being in an accident.

Although INRIX doesn’t have data for Sioux Falls, the closest city with data listed is Minneapolis, MN. Minneapolis is listed as the 77th most congested city in the U.S.

City-Data reports that most drivers in Sioux Falls, SD has a commute time of only about 20 minutes.

Theft can also raise your auto insurance rates. According to the FBI, there were 469 motor vehicle thefts in Sioux Falls in one year.

Sioux Falls, SD Auto Insurance: The Bottom Line

Sioux Falls car insurance is pretty inexpensive, but you still need to shop around before you buy Sioux Falls, SD auto insurance. Compare quotes from several different companies to find the best deal.

Enter your ZIP code now to compare Sioux Falls, SD auto insurance rates from multiple companies near you.

Free Auto Insurance Comparison

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

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Monthly Sioux Falls, SD Auto Insurance Rates by ZIP Code
Sioux Falls, SD Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Sioux Falls, SD Auto Insurance Rates by Company vs. City Average
Sioux Falls, SD Auto Insurance Rates by Company and Age
The Cheapest Sioux Falls, SD Auto Insurance Rates by Coverage Level
The Cheapest Sioux Falls, SD Auto Insurance Rates by Credit Score
The Cheapest Sioux Falls, SD Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Sioux Falls, SD
Average Monthly Auto Insurance Rates by Age & Gender in Sioux Falls, SD
Monthly Sioux Falls, SD Auto Insurance Rates by ZIP Code
Sioux Falls, SD Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Sioux Falls, SD Auto Insurance Rates by Company vs. City Average
Sioux Falls, SD Auto Insurance Rates by Company and Age
The Cheapest Sioux Falls, SD Auto Insurance Rates by Coverage Level
The Cheapest Sioux Falls, SD Auto Insurance Rates by Credit Score
The Cheapest Sioux Falls, SD Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Sioux Falls, SD
Average Monthly Auto Insurance Rates by Age & Gender in Sioux Falls, SD
Monthly Sioux Falls, SD Auto Insurance Rates by ZIP Code
Sioux Falls, SD Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Sioux Falls, SD Auto Insurance Rates by Company vs. City Average
Sioux Falls, SD Auto Insurance Rates by Company and Age
The Cheapest Sioux Falls, SD Auto Insurance Rates by Coverage Level
The Cheapest Sioux Falls, SD Auto Insurance Rates by Credit Score
The Cheapest Sioux Falls, SD Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Sioux Falls, SD
Average Monthly Auto Insurance Rates by Age & Gender in Sioux Falls, SD