Drivers looking for the best deal on minimum coverage and full coverage policies will get the lowest rates with Progressive, while Farmers Mutual is the cheapest option for drivers with an at-fault accident or speeding ticket. Both companies offer competitive rates for young drivers and senior drivers that are far below the citywide average across Sioux Falls, the most populous city in South Dakota.
Cheapest Car Insurance in Sioux Falls, South Dakota (2026)
Updated: August 25, 2026
Advertising & Editorial Disclosure
Cheapest Car Insurance by Coverage Type in Sioux Falls
Progressive has the lowest monthly rate ($16) for minimum coverage, also called liability-only, along with full coverage ($54), which adds comprehensive and collision protection.
| 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% |
Cheapest Car Insurance for Teens and Young Adults in Sioux Falls
Teenagers are generally the most expensive age group to insure because of their limited driving experience and higher probability of filing a claim. For teens and young drivers aged 16 to 25, Farmers Mutual has the cheapest rate for adding them to a family policy – $107 per month, which amounts to $1,287 per year. That rate is 58% lower than the citywide average for insuring this driver class.
| 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% |
Cheapest Car Insurance for Seniors in Sioux Falls
Progressive ($63 per month), Farmers Mutual ($73 per month) and Geico ($83 per month) offer affordable car insurance rates for senior drivers. Ways to save more money on premiums include taking a defensive driving course and driving less than 7,500 miles per year.
| 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% |
Cheapest Car Insurance for High-Risk Drivers in Sioux Falls
Driving violations can cause your car insurance rates to go up, with speeding tickets affecting what you pay for around three to five years and a DUI adding surcharges for up to 10 years. Sioux Falls residents with a DUI will find the best rate for minimum coverage with Progressive at $21 per month. Farmers Mutual has the cheapest monthly minimum coverage rate for drivers with a speeding ticket ($22) and those with an at-fault accident ($27) on their record.
| 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% |
Sioux Falls Car Insurance Costs by ZIP Code
Location is a key factor that insurance companies use when setting rates. In Sioux Falls, ZIP code 57107 has the lowest average rate ($94) across insurers for full coverage and 57104 ($112) is the most expensive.
| 57104 | $112 |
| 57110 | $109 |
| 57105 | $98 |
| 57103 | $97 |
| 57197 | $97 |
| 57108 | $96 |
| 57106 | $96 |
| 57107 | $94 |
How to Get the Cheapest Auto Insurance in Sioux Falls
With some cost-saving tactics, drivers who live in Sioux Falls can lower their car insurance rates and still get the coverage they need.
- 1Bundle and Save
Combine auto with home or renters insurance for a savings of up to 25%. Add a multi-car discount (10% to 25% per vehicle) plus good driver, paperless billing and other discounts.
- 2Consider a Higher Deductible
Raising 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.
- 3Review Your Policy Yearly
Insurance companies adjust rates on a regular basis, and your driving record can change depending on any claims that you file or claims that drop off your history. It's a good idea to consider updating your coverages and/or switching car insurance companies annually.
Cheap Sioux Falls Car Insurance: FAQ
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.
Methodology
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 is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.