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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Western National

$266

$22

Farmers Mutual of Nebraska

$266

$22

Western National

$268

$22

Auto-Owners Insurance Co

$273

$23

Auto-Owners Insurance Co

$279

$23

Nationwide

$283

$24

Farmers Mutual of Nebraska

$291

$24

Nationwide

$294

$25

State Farm

$296

$25

State Farm

$313

$26

Kemper

$316

$26

GEICO

$317

$26

Kemper

$321

$27

Auto-Owners Insurance Co

$358

$30

GEICO

$368

$31

Farmers

$373

$31

State Farm

$379

$32

Western National

$383

$32

Farmers

$393

$33

Farmers Mutual of Nebraska

$398

$33

Nationwide

$415

$35

GEICO

$421

$35

Iowa Farm Bureau

$426

$35

American Family

$445

$37

Farmers

$451

$38

American Family

$456

$38

Kemper

$466

$39

Allstate

$473

$39

Allstate

$477

$40

American Family

$489

$41

Allstate

$508

$42

Progressive

$524

$44

Progressive

$539

$45

Iowa Farm Bureau

$594

$50

Iowa Farm Bureau

$622

$52

Progressive

$645

$54

Kemper

$661

$55

Nationwide

$677

$56

Kemper

$718

$60

State Farm

$718

$60

Farmers Mutual of Nebraska

$746

$62

Nationwide

$757

$63

Auto-Owners Insurance Co

$763

$64

Western National

$795

$66

State Farm

$796

$66

Western National

$804

$67

Allstate

$826

$69

Auto-Owners Insurance Co

$841

$70

Farmers

$846

$70

Allstate

$860

$72

GEICO

$880

$73

Allstate

$887

$74

Farmers Mutual of Nebraska

$893

$74

American Family

$896

$75

Farmers

$910

$76

American Family

$930

$78

Nationwide

$952

$79

State Farm

$993

$83

GEICO

$1,015

$85

American Family

$1,020

$85

Kemper

$1,036

$86

Farmers

$1,076

$90

Iowa Farm Bureau

$1,077

$90

Auto-Owners Insurance Co

$1,104

$92

Western National

$1,153

$96

Progressive

$1,177

$98

GEICO

$1,196

$100

Farmers Mutual of Nebraska

$1,198

$100

Progressive

$1,324

$110

Iowa Farm Bureau

$1,434

$119

Iowa Farm Bureau

$1,516

$126

Progressive

$1,625

$135

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.

Company
Annual Premium
Monthly Premium

Western National

$266

$22

Farmers Mutual of Nebraska

$266

$22

Western National

$268

$22

Auto-Owners Insurance Co

$273

$23

Auto-Owners Insurance Co

$279

$23

Nationwide

$283

$24

Farmers Mutual of Nebraska

$291

$24

Nationwide

$294

$25

State Farm

$296

$25

State Farm

$313

$26

Kemper

$316

$26

GEICO

$317

$26

Kemper

$321

$27

Auto-Owners Insurance Co

$358

$30

GEICO

$368

$31

Farmers

$373

$31

State Farm

$379

$32

Western National

$383

$32

Farmers

$393

$33

Farmers Mutual of Nebraska

$398

$33

Nationwide

$415

$35

GEICO

$421

$35

Iowa Farm Bureau

$426

$35

American Family

$445

$37

Farmers

$451

$38

American Family

$456

$38

Kemper

$466

$39

Allstate

$473

$39

Allstate

$477

$40

American Family

$489

$41

Allstate

$508

$42

Progressive

$524

$44

Progressive

$539

$45

Iowa Farm Bureau

$594

$50

Iowa Farm Bureau

$622

$52

Progressive

$645

$54

Kemper

$661

$55

Nationwide

$677

$56

Kemper

$718

$60

State Farm

$718

$60

Farmers Mutual of Nebraska

$746

$62

Nationwide

$757

$63

Auto-Owners Insurance Co

$763

$64

Western National

$795

$66

State Farm

$796

$66

Western National

$804

$67

Allstate

$826

$69

Auto-Owners Insurance Co

$841

$70

Farmers

$846

$70

Allstate

$860

$72

GEICO

$880

$73

Allstate

$887

$74

Farmers Mutual of Nebraska

$893

$74

American Family

$896

$75

Farmers

$910

$76

American Family

$930

$78

Nationwide

$952

$79

State Farm

$993

$83

GEICO

$1,015

$85

American Family

$1,020

$85

Kemper

$1,036

$86

Farmers

$1,076

$90

Iowa Farm Bureau

$1,077

$90

Auto-Owners Insurance Co

$1,104

$92

Western National

$1,153

$96

Progressive

$1,177

$98

GEICO

$1,196

$100

Farmers Mutual of Nebraska

$1,198

$100

Progressive

$1,324

$110

Iowa Farm Bureau

$1,434

$119

Iowa Farm Bureau

$1,516

$126

Progressive

$1,625

$135

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.

Company
Annual Premium
Monthly Premium

Western National

$266

$22

Western National

$266

$22

Western National

$266

$22

Western National

$268

$22

Western National

$268

$22

Western National

$268

$22

Farmers Mutual of Nebraska

$287

$24

Auto-Owners Insurance Co

$312

$26

Farmers Mutual of Nebraska

$315

$26

Auto-Owners Insurance Co

$318

$27

State Farm

$333

$28

State Farm

$333

$28

State Farm

$353

$29

State Farm

$353

$29

Farmers Mutual of Nebraska

$357

$30

Nationwide

$363

$30

State Farm

$366

$31

GEICO

$370

$31

Auto-Owners Insurance Co

$372

$31

Nationwide

$372

$31

Auto-Owners Insurance Co

$380

$32

Western National

$383

$32

Western National

$383

$32

Western National

$383

$32

State Farm

$387

$32

Farmers Mutual of Nebraska

$388

$32

Kemper

$388

$32

Kemper

$391

$33

Auto-Owners Insurance Co

$410

$34

State Farm

$428

$36

State Farm

$428

$36

Farmers Mutual of Nebraska

$429

$36

GEICO

$430

$36

Farmers

$456

$38

State Farm

$468

$39

Nationwide

$473

$39

Nationwide

$483

$40

Farmers Mutual of Nebraska

$488

$41

GEICO

$490

$41

Auto-Owners Insurance Co

$491

$41

Nationwide

$499

$42

Kemper

$504

$42

Allstate

$506

$42

Kemper

$507

$42

Allstate

$510

$43

Farmers

$513

$43

Iowa Farm Bureau

$516

$43

Farmers

$527

$44

Farmers Mutual of Nebraska

$531

$44

Farmers

$533

$44

Farmers Mutual of Nebraska

$534

$45

American Family

$538

$45

American Family

$538

$45

Allstate

$547

$46

American Family

$549

$46

Farmers

$553

$46

American Family

$556

$46

American Family

$556

$46

American Family

$566

$47

Kemper

$575

$48

GEICO

$579

$48

American Family

$589

$49

American Family

$589

$49

Farmers

$593

$49

Nationwide

$598

$50

American Family

$600

$50

Progressive

$601

$50

Auto-Owners Insurance Co

$601

$50

Farmers

$603

$50

Nationwide

$607

$51

Auto-Owners Insurance Co

$611

$51

Farmers

$615

$51

Allstate

$619

$52

Allstate

$626

$52

Farmers

$632

$53

Iowa Farm Bureau

$638

$53

Nationwide

$640

$53

GEICO

$640

$53

Progressive

$656

$55

Allstate

$667

$56

Progressive

$674

$56

Allstate

$675

$56

Allstate

$680

$57

GEICO

$700

$58

Progressive

$707

$59

Iowa Farm Bureau

$722

$60

Farmers Mutual of Nebraska

$723

$60

Allstate

$735

$61

Progressive

$747

$62

Kemper

$749

$62

Iowa Farm Bureau

$757

$63

Nationwide

$764

$64

Progressive

$777

$65

State Farm

$790

$66

State Farm

$790

$66

Auto-Owners Insurance Co

$795

$66

Western National

$795

$66

Western National

$795

$66

Western National

$795

$66

Western National

$804

$67

Western National

$804

$67

Western National

$804

$67

Farmers Mutual of Nebraska

$804

$67

Kemper

$816

$68

Auto-Owners Insurance Co

$832

$69

Nationwide

$846

$71

State Farm

$852

$71

State Farm

$873

$73

State Farm

$873

$73

Iowa Farm Bureau

$876

$73

Kemper

$887

$74

Progressive

$892

$74

Iowa Farm Bureau

$893

$74

Allstate

$900

$75

Auto-Owners Insurance Co

$912

$76

Nationwide

$932

$78

Iowa Farm Bureau

$935

$78

State Farm

$939

$78

Allstate

$942

$79

Farmers Mutual of Nebraska

$957

$80

Farmers Mutual of Nebraska

$960

$80

Allstate

$968

$81

Progressive

$1,009

$84

Progressive

$1,019

$85

GEICO

$1,026

$86

Kemper

$1,036

$86

Kemper

$1,046

$87

Kemper

$1,064

$89

Nationwide

$1,072

$89

American Family

$1,084

$90

American Family

$1,084

$90

State Farm

$1,093

$91

State Farm

$1,093

$91

American Family

$1,118

$93

American Family

$1,118

$93

American Family

$1,121

$93

Farmers

$1,134

$94

GEICO

$1,134

$95

Nationwide

$1,137

$95

Allstate

$1,142

$95

Farmers Mutual of Nebraska

$1,142

$95

American Family

$1,150

$96

Auto-Owners Insurance Co

$1,150

$96

Western National

$1,153

$96

Western National

$1,153

$96

Western National

$1,153

$96

Farmers

$1,155

$96

Kemper

$1,161

$97

Nationwide

$1,170

$98

State Farm

$1,178

$98

GEICO

$1,184

$99

GEICO

$1,202

$100

Allstate

$1,210

$101

American Family

$1,224

$102

American Family

$1,224

$102

Iowa Farm Bureau

$1,228

$102

Allstate

$1,233

$103

Farmers

$1,234

$103

Farmers

$1,242

$103

Auto-Owners Insurance Co

$1,250

$104

American Family

$1,262

$105

Kemper

$1,284

$107

Iowa Farm Bureau

$1,286

$107

Farmers

$1,287

$107

Farmers Mutual of Nebraska

$1,291

$108

Farmers

$1,296

$108

Iowa Farm Bureau

$1,309

$109

Allstate

$1,321

$110

Farmers

$1,321

$110

GEICO

$1,336

$111

Nationwide

$1,343

$112

Farmers Mutual of Nebraska

$1,356

$113

Progressive

$1,393

$116

GEICO

$1,395

$116

Allstate

$1,402

$117

Farmers

$1,409

$117

Nationwide

$1,422

$119

Progressive

$1,424

$119

Allstate

$1,437

$120

Nationwide

$1,441

$120

Farmers

$1,466

$122

Auto-Owners Insurance Co

$1,480

$123

Farmers Mutual of Nebraska

$1,548

$129

Kemper

$1,559

$130

Progressive

$1,572

$131

Progressive

$1,587

$132

GEICO

$1,598

$133

Farmers Mutual of Nebraska

$1,616

$135

Iowa Farm Bureau

$1,617

$135

Auto-Owners Insurance Co

$1,644

$137

Auto-Owners Insurance Co

$1,672

$139

Kemper

$1,683

$140

Nationwide

$1,693

$141

Progressive

$1,724

$144

Iowa Farm Bureau

$1,744

$145

GEICO

$1,755

$146

Auto-Owners Insurance Co

$1,755

$146

Iowa Farm Bureau

$1,843

$154

Progressive

$1,885

$157

Progressive

$1,928

$161

GEICO

$1,966

$164

Progressive

$1,992

$166

Iowa Farm Bureau

$2,156

$180

Farmers Mutual of Nebraska

$2,175

$181

Iowa Farm Bureau

$2,226

$185

Progressive

$2,261

$188

Iowa Farm Bureau

$2,281

$190

Auto-Owners Insurance Co

$2,401

$200

Kemper

$2,713

$226

Kemper

$2,963

$247

Iowa Farm Bureau

$2,969

$247

GEICO

$3,112

$259

Iowa Farm Bureau

$3,141

$262

GEICO

$3,286

$274

GEICO

$3,707

$309

Kemper

$4,321

$360

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$777

$2,484

Allstate

$777

$4,692

Nationwide

$778

$1,499

Nationwide

$806

$1,631

Allstate

$820

$1,333

Allstate

$836

$1,384

Nationwide

$862

$2,102

Allstate

$872

$1,764

Allstate

$884

$1,438

GEICO

$887

$2,836

Nationwide

$901

$2,328

Kemper

$907

$2,026

Nationwide

$910

$1,753

Nationwide

$916

$1,963

Allstate

$921

$1,673

Allstate

$932

$6,133

Allstate

$936

$2,108

GEICO

$939

$3,002

Nationwide

$948

$1,917

Allstate

$951

$1,546

Nationwide

$956

$2,161

Nationwide

$958

$1,845

Allstate

$964

$1,595

GEICO

$965

$4,018

Allstate

$990

$2,004

Farmers

$992

$1,786

Nationwide

$1,001

$2,025

Allstate

$1,003

$1,912

Allstate

$1,013

$2,381

State Farm

$1,014

$3,220

Kemper

$1,026

$2,292

Allstate

$1,050

$6,339

GEICO

$1,052

$2,674

Kemper

$1,055

$2,637

Allstate

$1,057

$1,750

Farmers

$1,057

$1,985

Kemper

$1,064

$2,353

Kemper

$1,106

$2,471

Allstate

$1,118

$2,889

State Farm

$1,125

$3,573

Allstate

$1,134

$2,553

Allstate

$1,153

$7,589

State Farm

$1,170

$3,620

State Farm

$1,178

$4,290

Nationwide

$1,192

$3,533

Kemper

$1,204

$2,823

Nationwide

$1,213

$4,153

State Farm

$1,222

$3,879

Allstate

$1,234

$11,317

Kemper

$1,236

$2,735

State Farm

$1,253

$4,633

Nationwide

$1,265

$3,086

Kemper

$1,279

$3,230

Nationwide

$1,284

$4,155

Kemper

$1,306

$3,300

Kemper

$1,307

$3,066

Allstate

$1,320

$12,332

State Farm

$1,322

$4,090

Nationwide

$1,323

$4,816

Nationwide

$1,342

$4,907

Nationwide

$1,343

$3,471

Kemper

$1,356

$2,998

Farmers

$1,372

$1,564

GEICO

$1,372

$3,487

GEICO

$1,372

$3,487

Nationwide

$1,379

$4,722

GEICO

$1,381

$4,114

Farmers

$1,388

$1,583

State Farm

$1,398

$5,092

Auto-Owners Insurance Co

$1,402

$3,249

Farmers

$1,403

$1,601

GEICO

$1,409

$4,674

Auto-Owners Insurance Co

$1,409

$3,440

Farmers

$1,414

$1,703

State Farm

$1,435

$5,980

State Farm

$1,436

$5,310

Farmers

$1,444

$5,719

Farmers

$1,445

$1,702

State Farm

$1,455

$4,502

Farmers

$1,462

$1,722

Nationwide

$1,465

$5,704

Kemper

$1,468

$3,536

Farmers

$1,473

$3,222

Auto-Owners Insurance Co

$1,475

$3,417

Farmers

$1,489

$1,753

Farmers

$1,502

$1,897

Nationwide

$1,505

$5,479

Auto-Owners Insurance Co

$1,516

$3,797

Auto-Owners Insurance Co

$1,528

$3,729

Farmers

$1,528

$6,218

Farmers

$1,542

$3,483

Auto-Owners Insurance Co

$1,548

$3,586

State Farm

$1,550

$5,634

Kemper

$1,569

$4,020

Kemper

$1,569

$3,779

GEICO

$1,575

$4,992

Auto-Owners Insurance Co

$1,576

$4,284

Auto-Owners Insurance Co

$1,612

$3,933

Auto-Owners Insurance Co

$1,635

$4,995

Farmers

$1,638

$2,949

State Farm

$1,645

$6,833

Auto-Owners Insurance Co

$1,652

$5,806

Farmers

$1,671

$6,617

GEICO

$1,676

$5,861

GEICO

$1,679

$5,002

GEICO

$1,699

$7,640

Farmers

$1,713

$3,215

Farmers

$1,776

$7,229

Auto-Owners Insurance Co

$1,799

$5,962

Auto-Owners Insurance Co

$1,810

$5,527

State Farm

$1,818

$7,561

State Farm

$1,823

$6,625

Progressive

$1,824

$2,331

GEICO

$1,837

$5,822

Farmers

$1,839

$9,513

Progressive

$1,862

$2,470

State Farm

$1,874

$7,783

Auto-Owners Insurance Co

$1,880

$6,608

State Farm

$1,883

$8,843

Auto-Owners Insurance Co

$1,884

$7,455

GEICO

$1,919

$8,629

Farmers

$1,953

$10,397

GEICO

$1,979

$8,007

Auto-Owners Insurance Co

$1,980

$6,507

Progressive

$1,986

$2,539

Kemper

$1,996

$3,700

GEICO

$2,013

$9,541

GEICO

$2,032

$11,147

Progressive

$2,035

$2,847

Progressive

$2,057

$2,729

Progressive

$2,061

$3,059

State Farm

$2,099

$8,650

Progressive

$2,102

$2,687

Kemper

$2,129

$3,945

Auto-Owners Insurance Co

$2,139

$7,526

Auto-Owners Insurance Co

$2,146

$7,052

Progressive

$2,166

$3,288

Progressive

$2,266

$3,005

Kemper

$2,315

$4,363

Auto-Owners Insurance Co

$2,382

$8,500

State Farm

$2,396

$9,870

Progressive

$2,406

$3,705

State Farm

$2,407

$11,232

Kemper

$2,448

$4,613

GEICO

$2,451

$11,616

Progressive

$2,500

$4,299

Progressive

$2,542

$3,772

GEICO

$2,543

$15,006

Progressive

$2,546

$8,156

Auto-Owners Insurance Co

$2,568

$9,814

Auto-Owners Insurance Co

$2,571

$9,172

Kemper

$2,572

$6,655

Progressive

$2,718

$8,520

Progressive

$2,786

$4,289

Progressive

$2,791

$4,899

Progressive

$2,802

$9,141

Progressive

$2,948

$9,444

Kemper

$2,953

$7,720

Progressive

$2,957

$9,394

Progressive

$3,189

$10,404

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.

Company
Annual Premium
Monthly Premium

USAA

$164

$14

USAA

$186

$15

USAA

$204

$17

Farmers Mutual of Nebraska

$266

$22

Western National

$266

$22

Western National

$268

$22

Auto-Owners Insurance Co

$273

$23

Auto-Owners Insurance Co

$279

$23

Nationwide

$283

$24

Farmers Mutual of Nebraska

$291

$24

Nationwide

$294

$25

State Farm

$296

$25

State Farm

$313

$26

Kemper

$316

$26

GEICO

$317

$26

Kemper

$321

$27

Auto-Owners Insurance Co

$358

$30

GEICO

$368

$31

Farmers

$373

$31

State Farm

$379

$32

Western National

$383

$32

Farmers

$393

$33

Farmers Mutual of Nebraska

$398

$33

Nationwide

$415

$35

GEICO

$421

$35

Iowa Farm Bureau

$426

$35

American Family

$445

$37

Farmers

$451

$38

American Family

$456

$38

Kemper

$466

$39

Allstate

$473

$39

Allstate

$477

$40

American Family

$489

$41

Allstate

$508

$42

Progressive

$524

$44

Progressive

$539

$45

Iowa Farm Bureau

$594

$50

Iowa Farm Bureau

$622

$52

Progressive

$645

$54

Kemper

$661

$55

Nationwide

$677

$56

USAA

$693

$58

USAA

$701

$58

Kemper

$718

$60

State Farm

$718

$60

Farmers Mutual of Nebraska

$746

$62

Nationwide

$757

$63

Auto-Owners Insurance Co

$763

$64

Western National

$795

$66

State Farm

$796

$66

Western National

$804

$67

Allstate

$826

$69

Auto-Owners Insurance Co

$841

$70

Farmers

$846

$70

Allstate

$860

$72

GEICO

$880

$73

USAA

$882

$74

Allstate

$887

$74

Farmers Mutual of Nebraska

$893

$74

American Family

$896

$75

Farmers

$910

$76

American Family

$930

$78

Nationwide

$952

$79

State Farm

$993

$83

GEICO

$1,015

$85

American Family

$1,020

$85

Kemper

$1,036

$86

Farmers

$1,076

$90

Iowa Farm Bureau

$1,077

$90

Auto-Owners Insurance Co

$1,104

$92

Western National

$1,153

$96

Progressive

$1,177

$98

GEICO

$1,196

$100

Farmers Mutual of Nebraska

$1,198

$100

Progressive

$1,324

$110

Iowa Farm Bureau

$1,434

$119

Iowa Farm Bureau

$1,516

$126

Progressive

$1,625

$135

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

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?

Western National

pros

Affordable rates at $804 per year

Strong customer service reputation

Offers pet coverage as an add-on

cons

Lackluster claims management

Lacks OEM coverage and gap insurance

COMPANY HIGHLIGHTS

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?

Western National

pros

Outstanding customer service

Wide range of add-on coverages

Offers sound system coverage

cons

Lacks OEM coverage

Mediocre claims management

COMPANY HIGHLIGHTS

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?

Western National

pros

An affordable minimum coverage policy costs $414 per year

Offers bundling, anti-theft system and loyalty discounts

Exceptional customer service

cons

Subpar claims management

COMPANY HIGHLIGHTS

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.