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Key Takeaways

  • Rapid City's average monthly premium for auto insurance is $1116 annually.
  • The average auto insurance price in South Dakota is $584 more expensive in Rapid City.
  • Progressive offers Rapid City car owners the least auto insurance rates on average, but you should always shop around for the best deal on your policy.

How much does car insurance cost in Rapid City?

Do you need auto insurance in Rapid City? Your main priority will be finding cheap car insurance. Car insurance companies in Rapid City use various factors to calculate your insurance premium. The insurance premiums of Rapid City, SD car insurance companies are not very cheap.

Auto insurance costs vary from driver to driver, depending on several variables such as claim history, driving history, and residence. Additionally, the cost of auto insurance varies in each city in South Dakota.

How much will Rapid City auto insurance cost then?

Rapid City rates vs South Dakota and National Average

Our analysis shows Rapid City has cheaper auto insurance rates than the state and federal averages. However, age, driving habits, accident history, and the ZIP code where you live can all affect this. Therefore, to find affordable auto insurance in Rapid City, SD, you must compare quotes from different insurers and choose the policy with the best price.

So how much does Rapid City auto insurance run? How can you purchase the city's cheapest car insurance? What are the many auto insurance providers in Rapid City, South Dakota? Keep reading to learn more about Rapid City's insurance rates and providers.

You can contact car insurance agents in Rapid City to get an estimate. However, if agents are a hassle, get in touch with Get a quote on insurance in Rapid City right now!

Rapid City Average (annual) South Dakota Average United States Average
$1116 $1700 $1557

Rapid City Auto Insurance Premiums by Company

Depending on the insurance company, auto insurance premiums can change. This is because each insurance company places a slightly different weight on data like your driving record and credit score.

Therefore, even though the following auto insurance providers typically offer the most affordable auto insurance premiums, it's always wise to compare prices. Today, use to locate the best deal!

Insurance Company Average Rate (annual)
Progressive $576
Allstate $720
State Farm $828

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Rapid City Auto Insurance Premiums by Age Group

In Rapid City, insurance rates decrease as you get older. The cause? More experienced drivers have accrued loyalty discounts and years of driving experience.

As a result, car insurance in Rapid City costs $1656 for drivers in their 30s while it drops to $1512 for those in their 60s. In this town, younger drivers often pay higher rates, with drivers in their 20's paying an average annual premium of $2160.

Age tier Average Yearly Rate
Under 18 Not Enough Data
18-24 $977
25-34 $569
35-44 $485
45-54 Not Enough Data
55-64 $449
65+ $533

Rapid City Auto Insurance Premiums by Marital Status

In general, married people will pay a little less for auto insurance. This frequently happens when you have several vehicles on the same insurance policy, which many companies reward with additional savings.

Married drivers often pay less for car insurance than single drivers nationwide. This is also true of Rapid City, where the difference amounts to about $21 per month.

Marital Status Average Annual Rate
Single $828
Married $540
Divorced $432
Widowed $432

Rapid City Auto Insurance Premiums by Gender

Regarding car insurance, women often pay less than males, but Rapid City defies the norm. The average monthly insurance premium for a female motorist is $8 higher than a male driver.

Gender Average Annual Rate
Female $828
Male $648

Rapid City Auto Insurance Premiums by Driving Record

The goal for drivers in Rapid City is to keep their insurance premiums as cheap as possible while avoiding hikes. Even if you have no control over all the factors determining how much your insurance will cost, you may drive sensibly and have a spotless driving record. However, driving infractions raise prices and show a risk to the insurance provider.

In Rapid City, the average monthly insurance price for a driver without a ticket is $210. However, rates can go up by as much as 24% if you have an accident.

Incident/Violation Average Yearly Rate
DUI/DWI $2253
Reckless Driving $2124
At-fault Accident $3240
Speeding Ticket $2268

Rapid City Auto Insurance by Credit Rating

You do not influence all the factors that insurance companies consider when determining rates. One example is age. However, raising your credit score over time can enable you to save money. In addition, underwriters use insurance-based credit scores to help them determine rates because your ability to manage your money can be a sign of risk.

It could be time to start aggressively boosting your credit score if you haven't already. The simpler it is to obtain an affordable premium, the higher your insurance score.

Credit Score Average Yearly Rate
Very Poor $3024
Fair $2340
Good $2202
Very Good $1800
Exceptional $1722

What would increase your car insurance rate in Rapid City?

Auto insurance companies will consider several things when determining how much to charge for a policy. Your insurance coverage will be heavily influenced by your residence as well as factors like -

  • Number of auto accidents
  • Amount of cars in the area
  • Laws
  • Rate of local crime
  • Accessible off-street parking

When considering purchasing new insurance or possibly relocating to a new house, it is imperative to be aware of these risks. In addition, these guidelines might be a useful tool to obtain the land lay in your specific neighborhood because it is known that different towns and localities will all have varying rates.

South Dakota auto insurance rates will vary from company to company and city. has examined the most recent insurance prices in Rapid City, South Dakota, to find you the most affordable quotes in the area.

Auto theft statistics in Rapid City

Compared to 2020, in 2021 there has been an increase in auto thefts by 44%.

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Auto insurance requirements in Rapid City

Every car used or parked on South Dakota roads must have insurance. Therefore, you must always have proof of insurance with you in your car and be able to provide it when:

  • Demand from law enforcement
  • Car registration renewal
  • When involved in an accident

In South Dakota, private passenger cars must carry a minimum amount of liability insurance:

  • $25,000 per person for bodily injury
  • $50,000 per accident for injuries to people

Bodily injury coverage is a crucial component of your liability insurance and pays for the medical costs associated with accident-related injuries to individuals other than the policyholder. Because South Dakota is an at-fault state, the person who caused the incident is also liable for covering any related costs, either through their auto insurance company or personally.

After an accident, uninsured and underinsured motorist coverage pays for damages brought on by a driver with little or no insurance. Drivers in South Dakota must acquire this insurance for bodily injury.

Accidents Statistics in Rapid City

In 2021, there were almost 33000 auto accidents in Rapid City. Most likely to occur were: crashing into other cars (64.5%) or animals (15.9%)

Tips for Driving Safely in Rapid City

Known as the entrance to Mount Rushmore, Rapid City is a well-liked destination for travelers. However, the city's population is barely around 75,000, and certain regions are quite sparse.

Near the city area, roads might get congested, but for the most part, highways are simple to navigate. The winter weather in Rapid City may be the most hazardous factor and can be very difficult for visitors.

Given how difficult it is to maneuver the snow-covered streets here, ensuring you have comprehensive auto insurance is a good idea.

Driving Conditions in Rapid City, South Dakota

  • Wind - NW 5 km/h
  • Wind Gusts - 9 km/h
  • Visibility - 32 km

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


How much is car insurance in Rapid City?

Car insurance in Rapid City would cost about $1116 per year.

Is car insurance expensive in Rapid City?

Car insurance in Rapid City is cheaper than the state and national average.

Learn more by city and state for car insurance

Learn more by city and state for car insurance

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