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Key Takeaways

  • The annual average rate of car insurance in Sioux Falls is around $1,494.
  • State Farm offers the most affordable insurance policy in Sioux Falls, with a yearly average rate of $1,047.
  • Sioux Falls has one of the highest auto theft rates in the country.

Sioux Falls Auto Insurance

With nearly 200,000 residents, Sioux Falls is the most populated city in South Dakota. As a result, cars are the most favored mode of transportation as Interstate 90 and Interstate 29 pass through the city. Are you a Sioux Falls resident or planning to move to the city? Then, be aware that you must have car insurance in Sioux Falls to drive!

Since most of the residents use cars as the main mode of transportation, there will be a lot of insurers in the city from which you can buy a policy. But, the challenge is in finding the cheapest car insurance. You must compare the car insurance quotes in Sioux Falls, SD, and buy the cheapest one. In that way, you can lower the cost of car insurance in Sioux Falls.

So, how much does car insurance in Sioux Falls cost? Which are the car insurance companies in Sioux Falls, SD? How can you find cheap car insurance in Sioux Falls, SD? Finding coverage that will protect you and your car without breaking the bank is simple when you compare your auto insurance options with Way!

Are you looking for auto insurance in South Dakota? Get an affordable quote today!

How Much Does Car Insurance Cost in Sioux Falls?

On average, a driver pays around $1,494 yearly for car insurance in Sioux Falls. It is lower than the state average of $2,000 and the national average of $1,557. To lower the car insurance rates, you need to compare the quotes from various insurers and buy the cheapest one.

Sioux Falls (annual average) South Dakota (annual average) United States
$1,494 $2,000 $1,557

Our car insurance review of Sioux Falls, SD, includes average rates based on driving record, age, gender, credit score, and marital status. Keep reading to find out more!

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Sioux Falls Auto Insurance Premiums by Company

Whenever you're planning to buy car insurance in Sioux Falls, compare the quotes from various insurers. Our research found that State Farm offers the most affordable car insurance quotes in Sioux Falls, SD, with an average yearly rate of $1,047. With an average rate of $1,277, Farmers offer the second-best affordable car insurance rate in the city.

Here are the car insurance rates from some of the insurers in Sioux Falls.

Car insurance company Average Annual Rate
State Farm $1,047
Farmers $1,277
American Family $1,277
Progressive $1,277

Sioux Falls Auto Insurance Premiums by Age Group

Irrespective of your city, your age plays a significant role in your car insurance rate. Like most cities, teens pay the highest rate for car insurance in Sioux Falls. They pay around $5,464 yearly to buy one. However, with a yearly rate of $1,208 and $1,210, drivers in their 60s and 50s pay the lowest car insurance in Sioux Falls.

So, how can you lower the auto insurance rates? Of course, the ideal way is to get out of your teens. Or, research your insurer's various discounts and check whether you're eligible for them. Getting multiple discounts can significantly reduce the rate of car insurance in Sioux Falls.

Age Average Annual Rate
Teens $5,464
20s $1,918
30s $1,456
40s $1,325
50s $1,210
60s $1,208
70s $1,434

Sioux Falls Auto Insurance Premiums by Marital Status/Gender

Your gender and marital status can affect the cost of car insurance in Sioux Falls. Male drivers in the city pay $34 more than female drivers. Like most cities, single drivers pay more for car insurance in Sioux Fallas than married drivers. It is because most insurers consider single drivers as high-risk drivers and are likely to file more claims.

Single drivers in the city pay $138 more than married drivers. They pay around an average annual rate of $1,494 for buying car insurance in Sioux Falls, SD. Widowed drivers also pay less than single drivers in the city.

Gender/Marital Status Average Annual Rate
Male $1,494
Female $1,460
Single $1,494
Married $1,356
Widowed 1,445
Divorced $1,494

Sioux Falls Auto Insurance Premiums by Driving Record

How can you keep a lower cost for car insurance in Sioux Falls? It is by keeping a clean driving record. No matter where you live, avoiding collisions and tickets is the easiest method to keep your vehicle insurance rates low. Car accidents that were not your fault, DUI, reckless driving citations, and speeding tickets all result in higher insurance costs. Low rates are given as a reward by insurance firms to low-risk drivers.

Reckless driving and DUI/DWI are the two offenses that give you higher insurance rates in the city. With a citation of reckless driving or DUI/DWI, expect to pay a premium of $2,138 and $2,084, respectively. It is around $644 and $590 higher than the average city rate. The car insurance rate in Sioux Falls will surge to $1,749 if you have a speeding ticket citation.

Offense Average Annual Rate
Reckless Driving $2,138
DUI/DWI $2,084
Speeding Ticket $1,749
At-Fault Accident (damages < $,1000) $1,903
At-Fault Accident (damages > $2,000) $2,004

Sioux Falls Auto Insurance Premiums by Credit Rating

The credit score is another major factor affecting the car insurance cost in Sioux Falls. Drivers with terrible credit scores must pay hefty amounts for car insurance in Sioux Falls. For example, a driver with a 'Very Poor' credit rating must pay $2,989 for auto insurance. It is $1,495 greater than the average city rate.

Drivers in Sioux Falls can save up to more than 50% on their car insurance by raising their credit score from 'Very Poor' (300-579) to 'Exceptional' (800-850). In addition, you may be eligible for a reduction in your auto insurance cost if you move from the 'Very Poor' credit category to the 'Fair' credit tier. It reduces your auto insurance rate by $1,192.

Credit Rating Average Annual Rate
Very Poor $2,989
Fair $1,797
Good $1,494
Very Good $1,358
Exceptional $1,234

Auto insurance in Sioux Falls: Minimum insurance requirement in South Dakota

Knowing the state's insurance requirements is vital before looking for the top insurance companies and prices in Sioux Falls, South Dakota. All drivers in South Dakota need to carry auto insurance, and it must include the following types of coverage:

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $25,000

PIP, or personal injury protection, is not necessary for South Dakota. These are the bare minimum insurance needs that you must know. Some auto accidents may cost more than this coverage, which means you might be responsible for paying for any additional repairs or medical expenses. When deciding how much insurance you require, consider how much it will cost to repair or replace your vehicle.

Useful Info For Driving in Sioux Falls

The city being the most populated in the state, you can imagine how busy the roads will be. Here are some tips you make can use while traveling in the city.

  • Sioux Falls residents commute and travel primarily by car. While Interstate 29 divides the western part of the city from the north and south, Interstate 90 runs through the city's northern boundary from east to west. In addition, Interstate 229 connects with Interstate 29 to the southwest and Interstate 90 to the northeast as it makes a partial loop around Sioux Falls.
  • The local public transit Sioux Area Metro offers 16 bus lines in the city. Most routes operate from Monday through Saturday.
  • Jefferson Lines offers long-distance bus services to Sioux Falls. In addition, the cities of Grand Forks, Kansas City, Minneapolis, and Omaha are among the non-transfer destinations.
  • There are also many taxi companies offering servicing within the city.

Auto Theft Statistics in Sioux Falls

Unfortunately, Sioux Falls ranks high among the cities with the highest auto theft rate in the country. The city had 1,040 auto thefts in 2020, or 381 for every 100,000 residents, significantly higher than the national rate of 246 for every 100,000 motor vehicle theft. In 2019, the auto theft rate in the city was around 354.5 per 100,000 residents. At the same time, the national rate was around 219 per 100,000s.

So, it is better to buy an insurance policy with comprehensive coverage to get enough coverage in the case of auto theft.

Sioux Falls theft rate (per 100,000 persons) United States theft rate (per 100,000 persons)
354.5 219

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Car Insurance Companies in Sioux Falls, SD

Are you looking for cheap car insurance companies in Sioux Falls, SD? The insurers in the city claim that they provide specialized coverage at fair pricing. With the help of our car insurance agents in Sioux Falls, you can understand the state's most complicated laws, insurance words, coverages, and discounts. Talk to them if you want to discover affordable auto insurance in Sioux Falls, SD.

Here are a few vehicle insurance providers with offices in the city.

Insurers
State Farm Allstate
American Family Safeco
USAA Farmers
Travelers
Progressive

Driving Conditions in Sioux Falls

  • Driving conditions are fair.
  • Sioux Falls traffic is hard to navigate.
  • On average, there are 90 rainy days per year. Rain averages 27 inches.
  • Snowfall averages almost 38 inches.

Auto Insurance Data Methodology

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

FAQs

Is car insurance expensive in Sioux Falls, SD?

The annual average rate of car insurance in Sioux Falls is around $1494. It is lower than the state average of $2,000 and the national average of $1557.

How long can I drive without car insurance in Sioux Falls, SD?

The officer who gives you your ticket will tell you how long you have. It could be anywhere from 24 hours to a few days. If you drive without insurance and get caught, you will have to pay fines and receive tickets.

Can car insurance companies drop you?

Car insurance companies can cancel your policy or "drop" it, but they usually give you enough time to find a new one. After that, your car insurance company will most likely send you a letter telling you why they are no longer covering you.

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Learn more by city and state for car insurance




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