Rapid City, SD Car Insurance

Drivers in Rapid City pay, on average, $51 a month for their car insurance. To learn more about car insurance rates in the Rapid City area, read our guide below.
How much can residents of Rapid City expect to pay for their car insurance? How does Rapid City stack up to the rest of the area, or even South Dakota as a whole? 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$51
SD$53
United States$80

As you can tell by looking at the chart above, car insurance rates in Rapid City are about the same as the rest of South Dakota.

Compared to the rest of the country, auto insurance in Rapid City is more affordable. You can expect to pay about $29 less for your policy in Rapid City than in the rest of U.S.

Although these are the average monthly costs for an auto insurance policy in Rapid City, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

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. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$79
25-34$47
35-44$40
45-54$39
55-64$37
65+$40

The older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up a bit in Rapid City.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$55

Although women typically pay less than men do for auto insurance, this is not the case in Rapid City, where female drivers pay around $8 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$112
Multiple Accidents$57
1 Ticket$76
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Rapid City with a single accident on their record is about $112 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $76.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

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$63
15 Years or Older$49

The cheapest vehicles to insure in Rapid City are typically trucks and vans, with each type typically costing about $43 per month.

SUV drivers will see rates of about $45 for auto insurance, while car owners by and large pay around $56 per 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 be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. 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)$55
Married$36
Divorced$29

Generally, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Rapid City can be as much as $19 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$59
Live with parents$106

Another factor taken into consideration is your living situation. If you rent your home or apartment in Rapid City, expect to pay around $16 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

Car Insurance Companies in Rapid City, SD

Recent trends in car insurance for Rapid City drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Rapid City, car insurance rates went up from 2016-2017, before leveling out in 2018. Car insurance rates finished up in 2021, at $81 a 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 consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Area regulations
  • Area crime rates
  • Total drivers
  • Number of car accidents
  • Off-street parking access

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

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.

Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing 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 age and gender, as well as your credit score, address, marital status and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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