The cheapest car insurance provider for you may change based on your driving profile, age, coverage needs and other factors. Western National offers Sioux Falls’ cheapest car insurance for minimum coverage policies and drivers with violations. Meanwhile, Kemper has the lowest rates for full coverage policies. Allstate is the cheapest for teens, and military-affiliated drivers can get the lowest rates from USAA.
Cheapest and Best Car Insurance in Sioux Falls, SD
Cheapest Minimum Liability Car Insurance in Sioux Falls
According to MoneyGeek's analysis, the following providers offer the cheapest minimum coverage car insurance in Sioux Falls:
- Western National: $268 per year
- Auto-Owners Insurance Co: $273 per year
At roughly $594 per year, Iowa Farm Bureau offers the city ’s most expensive minimum coverage insurance.
Farmers Mutual of Nebraska has the cheapest car insurance in South Dakota, with an average cost of $188 per year. Its statewide rates are lower than the city’s cheapest provider, illustrating how insurance premiums can vary based on location.
In South Dakota, drivers must comply with minimum coverage requirements for bodily injury, property damage and uninsured/underinsured motorists. The limits for coverage are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
Bodily injury liability insurance covers expenses related to injuries sustained by other individuals in an accident that you caused. If, for example, your bodily injury liability is $25,000 per person, your insurance company will cover damages up to that amount for the other party involved. However, if the damages exceed this limit, you will be responsible for paying the remaining costs.
Cheapest Full Coverage Car Insurance in Sioux Falls
If you’re looking for full coverage insurance, your cheapest options in Sioux Falls are:
- Kemper: $718 per year
- Nationwide: $757 per year
Costing roughly $1,434 per year, Iowa Farm Bureau offers the priciest policies in the city.
American Family offers the cheapest full coverage car insurance in South Dakota, at around $647 per year. Its rates are cheaper than the city’s most affordable provider, showcasing the effect of location on car insurance prices.
A full coverage auto insurance policy offers broader protection than a minimum coverage policy. This type of policy includes collision and comprehensive coverage in addition to meeting the state's required liability limits.
- Collision Coverage: Helps pay to repair or replace your vehicle after a covered collision with an object or another car.
- Comprehensive Coverage: Covers damages resulting from non-collision incidents, such as vandalism or natural disasters.
Full coverage insurance will help safeguard your investment if you own a new vehicle. However, if you own an older or low-value vehicle, a full coverage policy could cost more than the car’s value.
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Cheapest Car Insurance in Sioux Falls After a Driving Offense
Based on MoneyGeek’s research, the most affordable car insurance providers in Sioux Falls if you have a driving violation are:
- Speeding Ticket: Western National ($804 per year)
- At-Fault Accident: Western National ($804 per year)
- DUI: Western National ($804 per year)
Meanwhile, Iowa Farm Bureau is the most expensive after a speeding ticket ($1,744 per year) or at-fault accident ($2,156 per year), and GEICO has the highest rates after a DUI ($3,286 per year).
Having a driving violation on your record can lead to increased premiums. Even the lowest-cost providers charge drivers with violations higher premiums than drivers with clean records.
The severity of your driving violation usually affects the rate increase you'll face after an accident. In Sioux Falls, premiums increase by an average of $150 after a speeding ticket but by an average of $841 after a DUI. However, you can still find affordable car insurance options if you have a bad driving record by comparing quotes from different providers.
Cheapest Car Insurance in Sioux Falls for Teens and Their Families
The following companies offer the most affordable car insurance in Sioux Falls for teenage drivers on a family plan:
- Allstate: $1,234 per year for female teens; $1,320 per year for male teens
- Nationwide: $1,342 per year for female teens; $1,465 per year for male teens
Progressive has the priciest premiums for teen drivers in the city at roughly $2,718 and $2,957 for female and male teens, respectively.
Insurance providers typically consider male teenage drivers riskier to insure than their female counterparts, resulting in higher premiums for young men. Nevertheless, this disparity in rates tends to fade away during early adulthood.
Acquiring individual car insurance policies for teenagers can be costly, and MoneyGeek advises adding a teen to a family policy. In Sioux Falls, adding your teenage son to your family policy costs an average of $2,268, while purchasing a separate policy for him costs roughly $4,984, a $2,716 difference. Additionally, you can compare rates from various providers to find cheap car insurance for teens.
Cheapest Car Insurance in Sioux Falls for Military Drivers
MoneyGeek’s evaluation shows that the cheapest full coverage car insurance for military-affiliated drivers in Sioux Falls are:
- USAA: $701 per year
- Kemper: $718 per year
If you’re looking for minimum coverage policies, you can find the cheapest rates from USAA and Western National at around $164 and $268 per year, respectively.
How to Compare Cheap Sioux Falls Car Insurance Quotes Online
To obtain a car insurance quote from a provider in Sioux Falls, you may need to input your personal information and dedicate at least 15 minutes of your time per insurer.
You can streamline this process by utilizing MoneyGeek's car insurance calculator. Our tool instantly generates estimates and only needs basic information such as your age, vehicle type, driving history and desired coverage.
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Best Car Insurance in Sioux Falls: Summary
The best car insurance provider for you depends on your priorities when it comes to affordability, service quality and coverage options.
MoneyGeek studied the top auto insurance companies in Sioux Falls and identified the highest-performing companies for various categories:
- Best overall: Western National (MoneyGeek score 81 out of 100)
- Best for service: Western National (MoneyGeek score 70 out of 100)
- Best cheap: Western National (MoneyGeek score 85 out of 100)
Note that a company’s MoneyGeek rating can vary based on how we weigh factors in each category.
MoneyGeek rates USAA as the top auto insurance provider for individuals with a military background, scoring 85 out of 100. Additionally, State Farm stands out as the best overall car insurance provider in South Dakota. The difference between the state and city top insurers highlights the impact of location on rates, which in turn affects a company's overall rating.
Best Overall Car Insurance in Sioux Falls
After analyzing affordability, service quality and related factors, MoneyGeek finds that the best overall car insurance providers in Sioux Falls are:
- Western National: MoneyGeek score 81 out of 100 ($804 per year)
- Auto-Owners Insurance Co: MoneyGeek score 76 out of 100 ($841 per year)
We choose Western National over 11 other companies due to its ability to provide both affordable rates and excellent customer service. Additionally, if you have a military background, USAA is MoneyGeek’s preferred choice, receiving a score of 85 out of 100.
How was this MoneyGeek score calculated?
Affordable rates at $804 per year
Strong customer service reputation
Offers pet coverage as an add-on
Lackluster claims management
Lacks OEM coverage and gap insurance
Western National is MoneyGeek’s choice for the best overall car insurance provider in Sioux Falls. This company offers affordable rates and excellent customer service, making it the top choice among the 12 companies we surveyed.
Additionally, Western National comes with useful add-on coverages that expand the protection you receive. It offers full glass coverage, a rare optional endorsement that exempts you from paying a deductible for repairing or replacing your car's glass parts.
The company also offers pet coverage, another unique add-on that covers up to $500 in veterinary or adoption fees if your pet gets injured or killed during a covered accident. Western National also offers sound system coverage. This optional rider protects against damages to your car’s audio, visual and data electronic equipment.
Best Car Insurance in Sioux Falls for Customer Service
If your priority is customer service, MoneyGeek's analysis shows that these providers offer the best car insurance in Sioux Falls regardless of cost:
- Western National: MoneyGeek score 70 out of 100 ($804 per year)
- Auto-Owners Insurance Co: MoneyGeek score 66 out of 100 ($841 per year)
Western National emerges as the best car insurance provider in Sioux Falls for customer service due to its customer satisfaction ratings and extensive coverage options. You can expect a seamless experience and comprehensive protection with this company.
Moreover, Western National is one of the city’s cheapest providers. As such, you don't have to pay top dollar to receive top-notch service from this company.
How was this MoneyGeek score calculated?
Outstanding customer service
Wide range of add-on coverages
Offers sound system coverage
Lacks OEM coverage
Mediocre claims management
With a near-perfect customer satisfaction score, Western National is our pick for the best car insurance provider if you value customer service. With this company, you can expect excellent customer service and a wide range of coverage options.
Notably, Western National offers sound system coverage. It’s a rare optional rider that provides financial protection for damages to your car's audio, visual and data electronic equipment. You can also add full glass coverage to your policy, a unique endorsement that waives your deductible if your car’s glass parts need repairs or replacement.
Western National also offers pet coverage, which pays veterinary or adoption fees of up to $500 if your furry loved one is injured or killed during a covered accident. In addition, the company’s gap insurance covers the cost between what you owe on your car loan or lease and your vehicle’s value if it’s totaled.
Best Cheap Car Insurance in Sioux Falls
MoneyGeek examined the affordability and service quality of minimum coverage policies that comply with South Dakota’s requirements and concluded that the top insurers in Sioux Falls are:
- Western National: MoneyGeek score 85 out of 100 ($268 per year)
- Auto-Owners Insurance Co: MoneyGeek score 84 out of 100 ($273 per year)
Buying a minimum coverage policy can lower your premiums in the short term. Nevertheless, it comes with limited coverage against liability costs and offers no protection for damages to your vehicle. In the event of an accident, you could incur substantial financial losses with a minimum coverage policy.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $414 per year
Offers bundling, anti-theft system and loyalty discounts
Exceptional customer service
Subpar claims management
MoneyGeek recommends Western National as the best car insurer in Sioux Falls to folks looking for minimum coverage policies. This company provides the lowest rates in the city and maintains top-notch customer service, allowing you to get quality service without paying high prices.
Western National also has several discount opportunities that can help you bring down your rates even more. Notably, you can get a discount for bundling your car insurance with other Western National products. If you’re insuring two or more cars, you also qualify for a discount. Students who excel academically can likewise get savings on their premiums.
In addition, Western National will lower your rate if you install an anti-theft system in your car or pay your policy in full. Loyal Western National customers also receive discounts on their car insurance which get larger the longer you remain with the company.
Average Cost of Car Insurance in Sioux Falls
The average cost of full coverage auto insurance in Sioux Falls is approximately $889 per year. This cost is for a full coverage car insurance policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Car insurance in Sioux Falls is approximately $69 more expensive than the cost of car insurance in South Dakota. It’s also $376 cheaper than the national average. These price differences demonstrate how location can impact your car insurance rates.
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