Rapid City, SD Car Insurance

The average cost for car insurance in Rapid City is about $52 a month. Read our guide below to learn more about your specific rates.
How do rates in Rapid City measure up compared to neighboring areas, including South Dakota as a whole? What can Rapid City residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Rapid City?

Area Average Monthly Car Insurance Premium
Rapid City$52
SD$54
United States$81

According to the chart above, the rates you'll pay for coverage in Rapid City are on par with what you would pay anywhere else in South Dakota.

Likewise, car insurance rates in Rapid City are more affordable than the national average. You can expect to pay about $29 less for your policy in Rapid City than in the rest of United States.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Rapid City residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$81
25-34$47
35-44$40
45-54Not Enough Data
55-64$37
65+$44

The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Rapid City.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$57

While women typically pay less than men do for auto insurance, Rapid City goes against the grain. Female drivers typically pay around $8 more per month to insure their vehicle than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$112
Multiple Accidents$57
1 Ticket$63
Multiple Tickets$100

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Rapid City, a driving record with a single accident will usually get you a rate around $112 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $63.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$35
2-3 Years$39
4-5 Years$52
6-7 Years$42
8-10 Years$41
11-14 Years$64
15 Years or Older$52

According to the first table above, the cheapest vehicles to insure in Rapid City are typically SUVs, at $45 per month.

Truck and van drivers will see rates of about $46, while the rates for car owners average out to about $58 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Rapid City, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$36
Divorced$29

Generally speaking, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Rapid City is no exception, with the difference totaling to around $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$60
Live with parents$128

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $17 a month more than those who own their own home in Rapid City. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Rapid City, SD

Recent trends in car insurance for Rapid City drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The cost of car insurance coverage in Rapid City decreased from 2017-2018, when it hit a low of $38. This pattern shifted in 2021, when it began to rise, and has continued on that path through the present, where rates reached a high of $90 per month.

How does Rapid City compare to neighboring areas?

Why are car insurance rates in Rapid City different from other areas?

Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Rate of car accidents
  • Total number of drivers in the area
  • Laws
  • Local crime rates
  • Off-street parking accessibility

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Rapid City?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering coverage in Rapid City.

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Rapid City Insurance FAQs

What factors affect car insurance quotes in Rapid City?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Rapid City different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Rapid City?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Rapid City?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Rapid City or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes