+120 more)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance in Sioux Falls averages about $102 per month. That’s just a hair lower than South Dakota’s statewide average. While the gap isn’t huge, local factors help explain the uptick. Sioux Falls, together with Rapid City, accounts for more than 70% of all crashes in South Dakota’s cities.[1]
But you have some control over the price you pay if you compare rates. Companies like State Farm offer coverage starting around $40 per month, while Farmers premiums start at $45.
Keep reading to see what could affect your auto insurance in Sioux Falls, which companies offer the best deals for drivers like you, and what you can do to save.
Sioux Falls drivers find the cheapest policies with State Farm, at an average monthly cost of $40.
Liability-only coverage in Sioux Falls averages $72 per month, while full coverage costs around $131.
State Farm, Progressive, and Nationwide are top insurers in Sioux Falls, offering drivers plenty of local agents.
To find affordable car insurance in Sioux Falls, you need to know which companies actually offer the lowest prices. We analyzed the rates local drivers pay across different insurers so you can compare rates and avoid overpaying.
The companies below offer Sioux Falls residents the lowest rates, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $40 |
| Farmers | $45 |
| Auto-Owners | $46 |
| American Family | $47 |
| USAA | $50 |
| GEICO | $62 |
| Direct Auto | $65 |
| Allstate | $66 |
| Bristol West | $67 |
| Safeco | $73 |
| Nationwide | $80 |
| Dairyland | $84 |
Your car insurance bill depends on a variety of factors. Insurers consider your age, vehicle type, driving record, and even your credit history when calculating your premium — and each company weighs these factors differently.2 Knowing what drivers like you pay makes it easier to spot a fair deal.
Below, we break down the cheapest auto insurance options for various driver profiles and coverage types in Sioux Falls.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | State Farm | $40 |
| Full coverage | State Farm | $93 |
| Teens | State Farm | $82 |
| Seniors | State Farm | $31 |
| Recent speeding ticket | State Farm | $53 |
| Recent at-fault accident | State Farm | $55 |
| DUI conviction | State Farm | $62 |
| Excellent credit | State Farm | $34 |
| Poor credit | Farmers | $53 |
Comparing quotes can save you up to $$867.†
State-minimum insurance pays for injuries and property damage when you cause an accident. Liability coverage also protects you if an uninsured driver hits your car, but it won’t pay to repair your car after a crash or other damage.[2]
This bare-bones coverage makes sense if you drive an older vehicle that isn’t worth much and don’t mind paying for repairs yourself if something goes wrong.
Minimum coverage in Sioux Falls costs an average of $72 per month. Here are the five cheapest companies for liability coverage in Sioux Falls, according to our data.
Full coverage includes liability for damage you cause, comprehensive coverage, and collision insurance to repair your vehicle. Comprehensive insurance pays for damage caused by things like hail, theft, or hitting an animal. Collision coverage pays for damages when you crash into another car or object.
Lenders often require you to have this coverage when financing or leasing a vehicle. You may also want it if replacing your car or paying a major repair bill would strain your savings.
The average Sioux Falls driver pays $131 per month for full coverage. The five companies in the chart below offer the lowest rates, according to our data.
With a crash rate that’s nearly four times the rate of drivers 20 and older, it’s no surprise that teens pay more for car insurance than any other age group.[3] Teens tend to take more risks behind the wheel. In fact, speeding is a contributing factor in over a quarter of fatal crashes involving teens, according to the Insurance Institute for Highway Safety (IIHS).
The average monthly auto insurance rate for teen drivers in Sioux Falls is $206. But it doesn’t mean you’ll have to pay high rates forever. Some companies offer discounts for young drivers.
Here are the cheapest insurers for Sioux Falls teens, according to our research.
Senior drivers often receive the most affordable car insurance rates due to their experience and driving habits. After decades behind the wheel, older drivers tend to practice more caution when they’re out on the road. Older drivers also generally drive less, skip late-night trips, and avoid rush-hour traffic, according to the IIHS.[4]
You can expect to pay around $87 per month for car insurance if you’re a senior driver in Sioux Falls. Check out the chart below to find the best quotes, according to our data.
Tickets — whether for speeding through a school zone or rolling through a stop sign — lead to higher insurance rates. That’s because a speeding ticket signals to insurance companies that you’re a riskier driver.
Drivers with speeding tickets in Sioux Falls pay around $139 per month for car insurance. But it’s possible to find affordable rates after a ticket in Sioux Falls. Here’s a look at the five cheapest insurers in the city, according to our data.
Insurance companies will likely put you in the high-risk category after a crash. An at-fault accident can stay on your record for a while and cause your premiums to increase. How much your premium increases depends on the severity of the crash and your overall driving history.
Sioux Falls drivers with a recent accident pay an average of $148 per month. Fortunately, some companies may not increase your rate by much or may offer accident forgiveness. The chart below shows companies offering the cheapest rates after an accident in Sioux Falls, according to Compare.com data.
Perhaps the biggest red flag for an insurance company is a driving under the influence (DUI) conviction on your record. Insurers can hike your rate, refuse to renew your policy, or drop you altogether. In South Dakota, you may also need to file an SR-22 form to prove you have the state’s required insurance coverage.[5]
In Sioux Falls, car insurance costs around $164 per month after a DUI. It’s steep, but switching to a company that specializes in high-risk drivers can save you from paying more than you should.
Here are the most affordable companies to consider, according to our data.
South Dakota insurance companies can review your credit history when determining your premiums, but insurers can’t use it to raise or lower your rates or deny you coverage. Insurers believe people with lower scores tend to file more claims.[6] If your credit has taken a hit, you could be paying more than someone with an identical driving record but better credit.
Our data shows that Sioux Falls drivers with poor credit pay an average of $117 per month for auto insurance. The good news is that not every company weighs credit the same way, and some don’t factor it in at all.
Consider getting quotes from the companies in the chart below if you have less-than-perfect credit.
If there were one best insurance company that’s perfect for everyone in Sioux Falls, shopping for car coverage would be much easier. But one company simply won’t fit every driver. That’s why we analyzed insurers to help you narrow your search.
We compare average premiums, discounts, customer reviews, claims processing, and coverage options available for each. Here are the top picks to help simplify your search in Sioux Falls.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has 15 agents in Sioux Falls and holds the largest market share for auto insurance in South Dakota. Its mobile app earns strong reviews for convenience, though certain policy updates still require working with an agent.
The company ranked above average in the J.D. Power 2025 U.S. Auto Insurance Study, reflecting its strong performance in customer support. State Farm’s Personal Price Plan allows you to customize insurance coverage, while bundling unlocks discounts.
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $161/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive lets you build a policy that truly fits how you drive. You can add pet injury protection, rideshare coverage, rental car reimbursement, and roadside assistance. The Snapshot program gives you a discount just for signing up, and safe driving can earn you even more savings. Just keep in mind that risky driving habits can lead to higher premiums.
25 insurance agencies in Sioux Falls
Few complaints with NAIC
Deductible drops with safe driving
Snapshot safe driver program can raise rates
Loan payoff coverage capped at 25%
Below-average claims satisfaction[9]
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $181/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide has a strong presence in Sioux Falls, with 36 insurance agencies — more than any other company in our list. It also earned top honors for service in the J.D. Power 2025 U.S. Insurance Digital Experience Study. This is particularly valuable if you prefer to file a claim or adjust your policy from your phone.
Two telematics program options
Accident forgiveness available
Top-ranked digital service experience
Discounts vary by state
Insurance product options vary by agent
App experience varies by device
Local rates start as low as $40 per month.
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South Dakota law clearly outlines its minimum insurance requirements for driving legally. Here’s what the state requires:
$25,000 bodily injury liability per person: Covers injuries you cause to another person in an accident
$50,000 total bodily injury liability per accident: The maximum payout for all injuries you cause in a single crash
$25,000 property damage liability per accident: Pays for damage you cause to someone else’s vehicle or property
Uninsured/underinsured motorist coverage: Protects you if a driver without insurance (or without enough insurance) crashes into you
The South Dakota Division of Insurance warns that car accidents can lead to significant financial setbacks, including costly vehicle repairs, medical bills, and potential lawsuits. Your insurance policy only protects you up to your coverage limits.
While only you can decide what’s best for your situation, most experts recommend increasing your policy limits beyond the state’s minimum requirements for better financial protection.
The following answers provide quick help if you’re a Sioux Falls driver with questions about car insurance prices and coverage.
Sioux Falls car insurance averages $102 per month, according to our data. Liability coverage costs about $72 per month, while full coverage averages around $131.
State Farm has the lowest average car insurance premiums in Sioux Falls, according to our research. It charges an average of $40 per month.
Not really. Our data shows that the average car insurance price in Sioux Falls comes in around $102 per month, compared to the national average of $137. Remember, your car insurance expense depends on your driving record, age, vehicle type, and other factors.
Yes. South Dakota allows insurance companies to check your credit record when setting rates because data shows it predicts how likely you are to file claims. That said, the state recommends maintaining good credit to help keep your rates low.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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