Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
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?
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 Way.com. Get a quote on insurance in Rapid City right now!
| Rapid City Average (annual) | South Dakota Average | United States Average |
|---|---|---|
| $1116 | $1700 | $1557 |
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 Way.com to locate the best deal!
| Insurance Company | Average Rate (annual) |
|---|---|
| Progressive | $576 |
| Allstate | $720 |
| State Farm | $828 |
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 |
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 |
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 |
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 |
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 |
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 -
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. Way.com has examined the most recent insurance prices in Rapid City, South Dakota, to find you the most affordable quotes in the area.
Compared to 2020, in 2021 there has been an increase in auto thefts by 44%.
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:
In South Dakota, private passenger cars must carry a minimum amount of liability insurance:
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.
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%)
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.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’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 way.com
Car insurance in Rapid City would cost about $1116 per year.
Car insurance in Rapid City is cheaper than the state and national average.
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