Cheapest and Best Car Insurance in Sioux Falls, SD (2024)


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In Sioux Falls, South Dakota, Farmers Mutual of Nebraska offers the lowest rates for minimum coverage, while American Family is the most affordable for full coverage. Families with teen drivers will find Allstate the best value. Western National stands out for superior customer service, while American Family provides the best overall value with its affordability and high-quality service. Your best choice depends on your coverage needs and preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceSioux Falls
2024

Cheapest and Best Car Insurance in Sioux Falls

Why Trust MoneyGeek? We analyzed 16,221 quotes from 13 companies in South Dakota, including the city of Sioux Falls. We used six sources and original research to rate the cheapest companies and develop a scoring system for insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Sioux Falls, SD, as of August 2024.

16,221Quotes Analyzed
 
13Companies Compared

Cheapest Minimum Coverage Car Insurance in Sioux Falls

Farmers Mutual of Nebraska offers the cheapest car insurance for minimum coverage in Sioux Falls.

  • Farmers Mutual of Nebraska: $268 per year
  • American Family: $294 per year

Farmers has the most expensive policy at $746 per year. The $478 difference between the lowest and highest rates underscores the importance of comparing car insurance rates to save money.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Farmers Mutual of Nebraska$268$22
American Family$294$25
Kemper$321$27
Nationwide$390$32
State Farm$400$33
GEICO$410$34
Auto-Owners Insurance Co$425$35
Western National$438$37
Iowa Farm Bureau$461$38
Progressive$486$41
Allstate$685$57
Farmers$746$62

State Minimum Liability Requirements

In South Dakota, including Sioux Falls, drivers must meet the state's minimum car insurance requirements, which include:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000
  • Uninsured motorist bodily injury per person: $25,000
  • Uninsured motorist bodily injury per accident: $50,000

If you're at fault in an accident and the other driver's medical expenses exceed your $25,000 bodily injury per person coverage, you'll be responsible for the costs beyond your policy limit.

Cheapest Full Coverage Car Insurance in Sioux Falls

American Family offers the cheapest full coverage car insurance in Sioux Falls.

  • American Family: $625 per year
  • Kemper: $718 per year

Progressive has the most expensive full coverage policy in Sioux Falls, costing $1,003 more annually than American Family. This huge price difference emphasizes the need to shop around, especially since full coverage policies, which include comprehensive and collision coverage, are more expensive than minimum coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American Family$625$52
Kemper$718$60
Farmers Mutual of Nebraska$739$62
Nationwide$1,000$83
State Farm$1,026$85
Auto-Owners Insurance Co$1,033$86
Allstate$1,146$96
GEICO$1,151$96
Western National$1,361$113
Iowa Farm Bureau$1,363$114
Farmers$1,510$126
Progressive$1,628$136

Why You Need Full Coverage in South Dakota

A full coverage policy enhances protection with higher liability limits than minimum coverage: $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident.

Full coverage also includes these insurance types:

  • Collision insurance covers vehicle repair costs after collisions, whether with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.
  • Comprehensive insurance provides financial protection from theft, weather damage, vandalism, fires, natural disasters and hitting animals like deer.

Full coverage insurance is typically required if you lease or finance a car. For new vehicles, full coverage provides financial protection for your investment. However, the additional protection may not justify the higher cost for older vehicles. Finding the right amount of car insurance involves balancing coverage against premiums to prepare for unexpected expenses.

Cheapest Car Insurance in Sioux Falls After a Driving Offense

American Family is the cheapest company for drivers with a poor driving record in Sioux Falls. Here are the lowest rates for various driving offenses:

  • Speeding ticket and DUI: $855 per year
  • At-fault accident: $880 per year

GEICO has the most expensive average rate for a DUI at $3,876 per year, and Iowa Farm Bureau has the highest for an at-fault accident at $2,305. Progressive charges the highest average annual premium for a speeding ticket at $1,898. Expect your premium to rise following a driving offense, but you can still find affordable rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American Family$855$71
Farmers Mutual of Nebraska$871$73
Kemper$887$74
Auto-Owners Insurance Co$1,106$92
State Farm$1,144$95
Western National$1,227$102
Nationwide$1,264$105
Allstate$1,269$106
GEICO$1,394$116
Iowa Farm Bureau$1,864$155
Farmers$1,890$157
Progressive$1,898$158

In Sioux Falls, the severity of driving offenses largely affects insurance rates. For instance, drivers with a speeding ticket face an average annual premium of $1,770, while those with a DUI could see rates rise to around $2,637. These substantial differences highlight the importance of comparing insurance options carefully, as drivers with traffic violations can save hundreds of dollars by finding the best rates.

Cheapest Car Insurance in Sioux Falls for Teens and Their Families

Allstate provides the cheapest car insurance for teens in Sioux Falls. Here are the lowest premiums for a policy covering two parents and a teen driver:

  • Allstate: $1,234 per year for female teens and $1,320 per year for male teens
  • Nationwide: $1,342 per year for female teens and $1,465 per year for male teens

Progressive has the most expensive policy for families with teen drivers, with an annual premium difference of $1,484 compared to Allstate for female teens. This price gap underscores the importance of comparing quotes, especially with teen drivers who are considered higher risk and can substantially increase family car insurance costs.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
Allstate$1,234$7,386
Nationwide$1,342$2,985
Farmers$1,839$6,115
State Farm$1,883$2,570
GEICO$2,032$5,174
Auto-Owners Insurance Co$2,139$2,482
Kemper$2,572$3,149
Progressive$2,718$5,767

Teen drivers often face high car insurance premiums due to the higher risk associated with their inexperience. On average, an individual teen's annual premium in Sioux Falls can reach $5,210, while adding a teen to a family plan increases the overall premium by just $2,271. This difference makes family plans a more affordable and accessible option for securing coverage.

Cheapest Car Insurance in Sioux Falls for Military Drivers

American Family offers the cheapest car insurance for those with military backgrounds in Sioux Falls.

  • American Family: $625 per year
  • Kemper: $718 per year

While USAA ranks fourth, with an annual cost of $904, it remains a top choice for its specialized services for active-duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American Family$625$52
Kemper$718$60
Farmers Mutual of Nebraska$739$62
USAA$904$75
Nationwide$1,000$83
State Farm$1,026$85
Auto-Owners Insurance Co$1,033$86
Allstate$1,146$96
GEICO$1,151$96
Western National$1,361$113
Iowa Farm Bureau$1,363$114
Farmers$1,510$126
Progressive$1,628$136

How to Compare Cheap Sioux Falls Car Insurance Quotes Online

In Sioux Falls, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

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Rates updated:

Dec 06, 2024

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Best Car Insurance in Sioux Falls: Summary

Choosing the best auto insurance in Sioux Falls depends on your priorities — service, cost or coverage. Based on MoneyGeek's analysis, here are the top insurers in Sioux Falls:

  • Best overall: American Family (MoneyGeek score of 81 out of 100)
  • Best for service: Western National (MoneyGeek score of 78 out of 100)
  • Best cheap: American Family (MoneyGeek score of 83 out of 100)

American Family stands out for its balance of affordability and quality service, making it an excellent choice for those who want value without sacrificing customer support. With its strong satisfaction score, Western National is better for those who prioritize an exceptional customer experience.

Best Overall Car Insurance in Sioux Falls

American Family offers the best car insurance in Sioux Falls.

  • American Family: MoneyGeek score of 81 out of 100 ($625 per year)
  • Auto-Owners: MoneyGeek score of 75 out of 100 ($1,033 per year)

American Family leads with top satisfaction and affordability scores, making it the best choice for a full coverage policy. Its high MoneyGeek score reflects competitive pricing and excellent customer satisfaction.

Company logo for American Family Insurance
Best OverallAmerican Family Insurance
MoneyGeek Score:
81/ of 100

Overview

American Family earns perfect affordability and coverage scores. It offers roadside assistance and rental car and/or travel reimbursement. Among its notable add-ons are accident forgiveness coverage, which prevents premium increases after an accident, and gap insurance, which covers loan/lease shortfalls if your car is totaled.

Also, American Family provides OEM coverage, which ensures repairs with factory-original parts, and auto death indemnity coverage, which supports beneficiaries after the policyholder’s death from an accident.

Best Car Insurance in Sioux Falls for Customer Service

Western National stands out in Sioux Falls for its exceptional customer service in car insurance, emphasizing satisfaction and claims handling over cost.

  • Western National: MoneyGeek score of 78 out of 100 ($1,361 per year)
  • Auto-Owners: MoneyGeek score of 77 out of 100 ($1,033 per year)

Western National’s high satisfaction score is a key factor in its top ranking, reflecting its strong commitment to customer care and reliable insurance.

Company logo for Western National
Best for Customer ServiceWestern National
MoneyGeek Score:
78/ of 100

Overview

Western National is a top choice for those prioritizing service and reliability, with high satisfaction and claims handling scores contributing to its strong MoneyGeek rating.

It offers key coverages like rental car and/or travel reimbursement and roadside assistance. Notable benefits include gap insurance, which covers the difference if your vehicle is totaled and you owe more than its value, and full glass coverage, which covers repairs for windshields and other glass damage.

Best Cheap Car Insurance Companies in Sioux Falls

American Family offers the best cheap car insurance in Sioux Falls, balancing cost and quality service. This ranking considers affordability alongside claims handling and customer satisfaction.

  • American Family: MoneyGeek score of 83 out of 100 ($294 per year)
  • Auto-Owners: MoneyGeek score of 79 out of 100 ($425 per year)

American Family excels with the highest affordability score and strong satisfaction and coverage scores, making it a top choice for cost-effective insurance without compromising quality.

Company logo for American Family Insurance
Best Cheap CompanyAmerican Family Insurance
MoneyGeek Score:
83/ of 100

Overview

American Family excels with a perfect coverage score, contributing to its top MoneyGeek score. With an average annual premium of around $294, drivers pay less than $25 per month for minimum coverage.

The company offers a range of discounts, including automatic payment and early signing, which benefit organized drivers. It also provides all the most common discounts — bundling, multiple car and safe driving — and additional discounts like air bag and defensive driving, emphasizing safety and responsible driving.

Average Cost of Car Insurance in Sioux Falls

The average car insurance cost in Sioux Falls is $1,054, which is lower than South Dakota's average of $1,130. Compared to the national average of $1,781, the state average shows a cost saving of $651.

Insurance rates vary based on driving history, age and vehicle type, but location plays a major role. Factors like accident rates, theft statistics and traffic conditions affect premiums. Sioux Falls' lower average compared to state and national figures shows how location can significantly impact insurance costs. Non-urban areas often have even lower rates due to less traffic.

Sioux Falls$1,054

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.