Car Insurance in Sioux Falls

Progressive wins Sioux Falls' affordability race for adult drivers with clean records at $190 per year for minimum coverage. Young drivers in Sioux Falls pay more, with Farmers Mutual Insurance Company of Nebraska charging $426 per year, which represents a 124% increase over adult rates.

Adult drivers with clean records enjoy some of the nation's lowest insurance premiums. Drivers with at-fault accidents pay $328 per year through Farmers Mutual Insurance Company of Nebraska, representing a 73% increase over clean-record rates.

Sioux Falls drivers with DUI violations pay $251 per year through Progressive, which remains remarkably affordable. South Dakota's low population density, minimal traffic congestion and excellent road conditions all contribute to exceptional insurance affordability.

Progressive establishes Sioux Falls' pricing floor with full coverage at $650 per year, which is 49% below the city average of $1,199. Farmers Mutual Insurance Company of Nebraska follows at $782 per year for full coverage, providing strong regional expertise.

For minimum coverage, Progressive charges $190 per year while Farmers Mutual Insurance Company of Nebraska offers $204 per year. These remarkably low rates make Sioux Falls one of America's most affordable insurance markets.

The combination of low crime rates, excellent road maintenance and minimal weather-related claims creates ideal insurance conditions. Both carriers maintain strong financial ratings while delivering exceptional value to South Dakota drivers.

Adult drivers in Sioux Falls secure the lowest insurance rates while young drivers pay more but still remain affordable nationally. Progressive offers adult drivers coverage at $190 per year, which is 55% below the city average for minimum coverage.

Senior drivers pay $272 per year through Progressive, representing a 43% increase over adult rates. Young drivers pay $426 per year through Farmers Mutual Insurance Company of Nebraska, which remains affordable despite being more than double adult rates.

Even with age-based premium differences, Sioux Falls maintains remarkably low rates across all demographics. Young South Dakota drivers benefit from rural driving conditions and comprehensive driver education programs.

Progressive charges Sioux Falls drivers with clean records just $190 per year for minimum coverage, setting a national benchmark for affordability. Speeding tickets raise premiums to $265 per year through Farmers Mutual Insurance Company of 

Nebraska, representing a 39% increase over clean-record rates.

At-fault accidents push rates to $328 per year through Farmers Mutual Insurance Company of Nebraska, representing a 73% increase. DUI violations result in premiums of $251 per year through Progressive, which remains exceptionally affordable compared to national averages.

South Dakota's forgiving insurance environment and low base rates mean even penalized drivers pay less than clean-record drivers in many other states. The state's minimal traffic density and low accident frequencies create favorable conditions for all driver categories.

Progressive captures Sioux Falls' highest rating with a MoneyGeek score of 94 out of 100. Auto-Owners follows with a score of 88 out of 100.

Progressive combines national resources with competitive pricing tailored to South Dakota's unique market conditions. The company's digital tools and mobile app functionality appeal to Sioux Falls' growing tech-oriented population.

Auto-Owners brings strong regional presence and personalized local service through independent agents. Both insurers maintain excellent financial strength ratings and demonstrate consistent performance in customer satisfaction metrics.

Sioux Falls residents pay just $405 per year for minimum coverage and $1,199 for full coverage on average. These rates rank among the nation's lowest, making Sioux Falls an exceptionally affordable insurance market.

Progressive consistently provides below-average premiums for Sioux Falls residents, delivering remarkable value in an already inexpensive market. South Dakota's low population density, minimal traffic congestion, excellent road conditions and low crime rates all contribute to favorable insurance pricing.

The state's modest weather risks and strong safety culture further enhance affordability. Sioux Falls drivers maximize savings through clean driving records and multi-policy discounts with already low base premiums.

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. Find average rates for your ZIP code in the table.

Finding affordable car insurance in Sioux Falls is challenging with the area's high average rates, but our research shows you can lower your costs. This guide helps you find the cheapest coverage that meets your needs.

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.

Our research team answers your most common questions about finding affordable car insurance in Sioux Falls.

Sioux Falls drivers need accurate rate comparisons to find affordable coverage in a city where premiums run higher than most South Dakota locations. We analyzed rates from 12 insurance companies across all Sioux Falls ZIP codes to show you who offers the best deals for your profile.

Data Sources and Scope

We pulled data from the South Dakota Department of Labor and Regulation Division of Insurance and Quadrant Information Services, analyzing hundreds of thousands of quotes. This comprehensive approach ensures you see real pricing patterns, not advertised rates.

Sample Driver Profile

Our baseline comparison uses a typical Sioux Falls driver:

• 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 age, driving record, credit score and military status to find the best insurers for specific driver profiles.

Coverage Levels Analyzed

We compared both minimum and full coverage policies.

South Dakota minimum coverage requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage policy 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 with $1,000 deductibles

Rating Methodology for Best Companies

Our MoneyGeek score weighs three factors:

Affordability (60%): We evaluated quotes for common driver profiles and compared them to competition within Sioux Falls.

Customer Experience (30%): We reviewed agency ratings on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment.

Coverage Options (10%): We assessed the range of coverage options each provider offers, including unique benefits and add-ons.