Updated: December 29, 2025
Advertising & Editorial Disclosure
Progressive: Cheapest across many driver profiles in Sioux Falls. At $16 monthly for minimum coverage and $54 monthly for full coverage, it offers lower rates than the city average.
Farmers Mutual: Second cheapest at $17 monthly minimum and $65 full coverage. It's affordable for higher-risk driver types, like young drivers, seniors and drivers with an accident on their record.
GEICO: Third cheapest option and competitive for various driver profiles looking for reliable coverage at affordable rates.
Cheapest Monthly Rates by Coverage and Driver Profile in Sioux Falls:
For full coverage in Sioux Falls, Progressive leads with the most affordable rate at $54 monthly, saving drivers about 49% compared to the city average. Farmers Mutual comes in second at $65 per month, offering roughly 41% in savings.
For minimum coverage, Progressive again ranks first at just $16 monthly, while Farmers Mutual follows closely at $17 per month. Both options provide considerable savings compared to what most drivers pay across the city.
Compare quotes from multiple insurers since your specific ZIP code and driving record will influence your final rate.
| Progressive | $16 | $54 | -49% |
| Farmers Mutual Ins Co of NE | $17 | $65 | -41% |
| State Farm | $24 | $93 | -16% |
| Geico | $24 | $82 | -23% |
| Western National Insurance | $28 | $96 | -10% |
Not in Sioux Falls? Read more about the cheapest car insurance or the best provider South Dakota.
Finding affordable coverage for young drivers in Sioux Falls often comes down to experience behind the wheel, since newer drivers tend to pay higher premiums. Farmers Mutual offers the lowest rates at $107 per month, making it a practical option for families watching their budget.
Progressive comes next at $150 monthly, followed by State Farm at $204 per month. There are also a few ways families can keep costs in check.
Adding a young driver to a parent’s existing policy is usually more cost-effective than buying a separate policy. Completing a defensive driving course can also help lower rates, with many insurers offering discounts between 5% and 15% for eligible drivers.
Note: Teen drivers must meet South Dakota’s licensing requirements and may be subject to additional state rules related to minimum coverage and policy eligibility.
| Farmers Mutual Ins Co of NE | $107 | $1,287 | -58% |
| Progressive | $150 | $1,800 | -41% |
| State Farm | $204 | $2,449 | -20% |
| Auto Owners | $209 | $2,504 | -18% |
| Western National Insurance | $232 | $2,783 | -9% |
Senior drivers in Sioux Falls can find competitive full coverage rates with several insurers. Progressive offers the lowest option at $63 per month, followed by Farmers Mutual at $73. GEICO rounds out the top three at $83 monthly.
They also have a few practical ways to keep premiums lower over time. Completing a defensive driving course can reduce rates by up to 10%, and those savings usually last for three years. Many insurers also offer accident forgiveness for drivers age 65 and older, which can help limit rate increases after a first incident.
| Progressive | $63 | $750 | -50% |
| Farmers Mutual Ins Co of NE | $73 | $881 | -41% |
| Geico | $83 | $994 | -34% |
| State Farm | $100 | $1,201 | -20% |
| Auto Owners | $112 | $1,349 | -10% |
A driving violation can raise your insurance costs, but some insurers price these situations more favorably than others. For drivers with a DUI, Progressive offers the lowest minimum coverage rate at $21 per month, with State Farm close behind at $25.
When it comes to speeding tickets, Farmers Mutual and Progressive share the lowest rates at $22 monthly. After an at-fault accident, Farmers Mutual comes in lowest at $27 per month, followed by Western National at $28.
It also helps to know how long violations affect your policy. Speeding tickets often influence rates for three to five years, while DUIs can affect premiums for up to 10 years. Since pricing varies by insurer, comparing options after a violation can help drivers find lower rates than expected.
| At-Fault Accident | Farmers Mutual Ins Co of NE | $27 | -47% |
| At-Fault Accident | Western National Insurance | $28 | -46% |
| DUI | Progressive | $21 | -67% |
| DUI | State Farm | $26 | -59% |
| Speeding Ticket | Farmers Mutual Ins Co of NE | $22 | -47% |
| Speeding Ticket | Progressive | $22 | -47% |
Your ZIP code matters more than you might think when comparing car insurance rates in Sioux Falls. Drivers in 57104 pay the highest rates at $112 monthly for full coverage, while those in 57107 enjoy the cheapest premiums at just $94 per month.
That $18 difference stems from location-specific risk factors like local crime rates, traffic patterns and claim frequency. Even moving a few neighborhoods over can impact your monthly bill, so always get quotes using your exact ZIP code rather than assuming rates based on general area names.
| 57104 | $112 |
| 57110 | $109 |
| 57105 | $98 |
| 57103 | $97 |
| 57197 | $97 |
| 57108 | $96 |
| 57106 | $96 |
| 57107 | $94 |
| 57107 | $94 |
| 57106 | $96 |
| 57108 | $96 |
| 57197 | $97 |
| 57103 | $97 |
| 57105 | $98 |
| 57110 | $109 |
| 57104 | $112 |
Progressive dominates Sioux Falls' insurance landscape with an impressive MoneyGeek score of 93 out of 100. This company delivers the most affordable coverage in the area while maintaining strong customer satisfaction ratings.
Auto-Owners, Farmers Mutual, GEICO and State Farm rank among the top choices for local drivers. These companies consistently deliver reliable coverage and responsive customer support, making them smart alternatives if Progressive doesn't fit your specific needs.
| Progressive | 94 | 1 | 2 | 2 |
| Auto Owners | 88 | 6 | 1 | 5 |
| Farmers Mutual Ins Co of NE | 84 | 2 | 8 | 7 |
| Geico | 82 | 3 | 5 | 6 |
| State Farm | 82 | 4 | 4 | 6 |
Snapshot program rewards safe driving with discounts
Express claims feature provides immediate accident compensation
Top-rated affordability across all driver types
Long wait times for claim resolution
No local branch offices for in-person help
Fewer coverage options than regional providers
Progressive offers some of the lowest rates in Sioux Falls for senior drivers, young drivers and those with DUIs or traffic violations. Its Name Your Price tool and range of discounts, including defensive driving and multi-policy savings, give drivers more flexibility when choosing coverage.
Coverage also includes protection for storm damage and water-related incidents, which can be helpful during South Dakota’s winter months. With 24/7 customer support, Express Claims and theft coverage, Progressive provides added convenience for drivers dealing with everyday risks on the road.
Top-rated customer service with direct representative access
24/7 claims hotline for immediate assistance
Comprehensive roadside assistance including towing and repairs
Higher rates than most competitors
No online quotes available
Limited coverage options compared to others
Auto-Owners excels through superior customer service and comprehensive coverage tailored to Sioux Falls drivers' unique needs. The company's 24/7 support, digital accessibility and efficient claims handling address local challenges like harsh winter weather damage and vehicle theft risks.
Its drop-in claims service and local agents who understand Sioux Falls conditions provide personalized support that sets it apart from competitors, making the slightly higher premiums worthwhile for drivers prioritizing service excellence and reliable winter weather protection.
Sioux Falls drivers may encounter higher insurance costs, but affordable coverage is still within reach with the right approach.
Combine auto with home or renters insurance for 15% to 25% savings. Stack on multi-car discounts (10% to 25% per vehicle) plus good driver and paperless billing perks. Smart bundling in Sioux Falls can cut your premium by 30% to 40% total.
Bumping your deductible from $500 to $1,000 usually saves 10% to 15% yearly. The key is choosing an amount you can comfortably pay out-of-pocket if you need to file a claim.
Insurance companies regularly adjust rates based on Sioux Falls area risk factors. Plus, your driving record gets cleaner after three years, which often qualifies you for better rates with different insurers.
Get clear answers about car insurance costs and coverage options in Sioux Falls.
Car insurance in Sioux Falls runs about $100 monthly for full coverage. That puts it in the middle range for South Dakota. The most expensive area, Glencross, averages $135 per month, while Brookings offers the cheapest rates at just $27 monthly.
Finding affordable car insurance in Sioux Falls starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and South Dakota’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 57104 tend to pay higher full coverage rates than those in ZIP code 57107.
We partnered with the South Dakota Department of Labor and Regulation Division of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Sioux Falls ZIP code.
Our ratings for the best car insurance in Sioux Falls are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Sioux Falls neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
