Progressive offers the lowest car insurance rates in Sioux Falls, with average annual premiums of $190 for minimum coverage and $650 for full coverage. Farmers Mutual of Nebraska, GEICO and State Farm also provide affordable coverage in the city.
Car Insurance in Sioux Falls
Updated: August 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Sioux Falls are Progressive, Farmers Mutual of NE and GEICO, with savings up to 49% compared to the city average.
In Sioux Falls, monthly car insurance costs average $100 for full coverage and $34 for minimum coverage.
To get the best cheap auto insurance in Sioux Falls, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Sioux Falls?
| Progressive | $16 | $54 | -49% |
| Farmers Mutual Ins Co of NE | $17 | $65 | -41% |
| GEICO | $24 | $82 | -23% |
| State Farm | $24 | $93 | -16% |
| Western National Insurance | $28 | $96 | -10% |
Cheapest Sioux Falls Car Insurance by Category
Progressive offers the lowest rates in five driver categories in Sioux Falls. Farmers Mutual Insurance Company of Nebraska provides the cheapest coverage for drivers with accidents, speeding tickets, bad credit and young motorists.
| Young Drivers | Farmers Mutual Ins Co of NE | $36 |
| Adult Drivers | Progressive | $16 |
| Senior Drivers | Progressive | $23 |
| Drivers With an Accident | Farmers Mutual Ins Co of NE | $27 |
| Drivers With a DUI | Progressive | $21 |
| Drivers With a Speeding Ticket | Farmers Mutual Ins Co of NE | $22 |
| Drivers With Bad Credit | Farmers Mutual Ins Co of NE | $36 |
| Drivers With Newer Cars | Progressive | $27 |
| Drivers With Old Cars | Progressive | $14 |
Compare the Cheapest Sioux Falls Car Insurance for You
Your driving history and personal details determine how much you'll pay for car insurance. Check the table below to find which companies offer the best rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Progressive | $16 | $190 | -55% |
| Farmers Mutual Ins Co of NE | $17 | $204 | -52% |
| State Farm | $24 | $285 | -33% |
| Geico | $24 | $292 | -32% |
| North Star Insurance | $25 | $295 | -31% |
Best Car Insurance Companies in Sioux Falls
In Sioux Falls, the leading car insurance companies are Progressive, Auto-Owners, Farmers Mutual Ins Co of NE, GEICO and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
Progressive: Best Value Insurance
pros
Lowest rates in Sioux Falls
Strong coverage options
High customer satisfaction ratings
cons
Higher rates for drivers with accidents
Website can be confusing
COMPANY HIGHLIGHTS
Progressive ranks first in Sioux Falls with the lowest rates and excellent coverage options. Their minimum coverage starts at $16 monthly, while full coverage costs $54 monthly. Progressive offers the cheapest rates for adult drivers, senior drivers, and drivers with older vehicles. Their high customer satisfaction scores translate to quick claims processing and helpful support.
Auto-Owners: Best for Customer Service
pros
Top-rated customer service
Multiple discount options
Local agent support
cons
Higher rates than competitors
Limited online tools
COMPANY HIGHLIGHTS
Auto-Owners stands out for exceptional customer service in Sioux Falls. While their rates run higher than Progressive's at $35 for minimum coverage and $92 for full coverage, customers benefit from personalized support through local agents. They earned the highest customer experience rating in our study, showing their strength in claims handling and policyholder support. Their main drawback is premium costs, which run above the city average.
How Much Is Car Insurance in Sioux Falls?
In Sioux Falls, minimum coverage costs $34 per month or $405 per year, ranking 265th out of all South Dakota cities for affordability. Full coverage averages $100 monthly or $1,199 annually, ranking 278th among South Dakota cities.
| Full Coverage | $100 | $1,199 |
| Minimum Coverage | $34 | $405 |
Sioux Falls Car Insurance Cost by Category
In Sioux Falls, monthly coverage costs vary from $30 to $280 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $90 | $245 |
| Adult Drivers | $34 | $100 |
| Senior Drivers | $48 | $121 |
| Drivers With an Accident | $49 | $146 |
| Drivers With a DUI | $61 | $190 |
| Drivers With a Speeding Ticket | $40 | $119 |
| Drivers With Bad Credit | $131 | $280 |
| Drivers With Newer Cars | $47 | $143 |
| Drivers With Old Cars | $30 | $87 |
Sioux Falls Car Insurance Costs by ZIP Code
In Sioux Falls, car insurance rates by ZIP code range from $30 to $112 per month. ZIP code 57104 is the most expensive, while 57106 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:57104
| 57104 | $45 | $112 |
Compare Personalized Sioux Falls Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use this table to find average costs based on your age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $37 | $443 | 8% |
How to Get the Best Cheap Sioux Falls Car Insurance
Finding affordable car insurance in Sioux Falls can be challenging with the area's high average rates, but our research shows you can lower your costs. This step-by-step guide will help you find the cheapest coverage that meets your needs.
- 1
Know your coverage needs
Start by finding out how much car insurance you really need. Use our car insurance coverage needs calculator to understand your requirements. Consider your car's value, your savings, and your risk tolerance.
- 2
Explore different coverage types
Beyond standard types of car insurance, consider alternatives that could save you money. If you drive less than average, look into pay-per-mile insurance. Don't own a car? A non-owner policy might be your best bet.
- 3
Check local insurance costs
Research average vehicle insurance costs in Sioux Falls to set realistic expectations. Knowing the typical rates helps you spot good deals and avoid overpaying. Local factors like weather conditions and crime rates affect your premiums.
- 4
Stack up available discounts
Take advantage of every car insurance discount you can qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts, and defensive driving courses can also lower your rates.
- 5
Research insurance company ratings
Look up customer reviews and financial strength ratings for insurance companies serving Sioux Falls. Check their claims process and customer service reputation. A company with slightly higher rates but excellent service might save you money and stress when you need to file a claim.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct company websites. Each insurer uses different factors to set rates, so comparing multiple quotes helps you find the best deal for your situation.
- 7
Review your policy yearly
Mark your calendar to review your car insurance every year. Your life changes, and so do insurance rates. Changes in your driving record, credit score, or vehicle could qualify you for better rates. Shopping around annually ensures you're always getting the best deal.
Cheapest Car Insurance in Sioux Falls: Bottom Line
Car insurance rates in Sioux Falls vary based on your age, driving record and vehicle type. Progressive and Farmers Mutual Insurance Company of Nebraska offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Sioux Falls Car Insurance: FAQ
Looking for cheap car insurance in Sioux Falls? Our research team answers your most common questions about finding affordable coverage that fits your budget and needs. We'll help you understand your options and save money on your policy.
What is the cheapest car insurance company in Sioux Falls, South Dakota?
Progressive offers the lowest rates in Sioux Falls, with average annual premiums of $190 for minimum coverage and $650 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Sioux Falls?
Progressive leads Sioux Falls insurance providers with a MoneyGeek score of 94 out of 100, scoring 6 points higher than Auto-Owners. Progressive delivers excellent service and competitive rates.
What is the average cost of car insurance in Sioux Falls?
In Sioux Falls, drivers pay $1,199 per year for full coverage and $405 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Sioux Falls expensive?
Car insurance in Sioux Falls costs more than average, ranking 265th for minimum coverage affordability and 278th for full coverage compared to other South Dakota cities.
How We Chose the Best and Cheapest Car Insurance in Sioux Falls, SD
To help Sioux Falls drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the South Dakota Department of Labor and Regulation Division of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in South Dakota to tailor options as closely as possible to you.
Sioux Falls Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Sioux Falls
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in South Dakota are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.