Sioux Falls' average full coverage car insurance cost is $97 per month. Rates range from $90 to $298. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Sioux Falls, SD, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Sioux Falls: Key Takeaways
Farmers Mutual of Nebraska, American Family and Kemper are the most affordable car insurance companies in Sioux Falls.
Farmers Mutual of Nebraska offers the cheapest car insurance, with minimum coverage rates as low as $23 per month. American Family is the most affordable for full coverage at $52.
The average car insurance costs are $40 per month for minimum coverage and $97 for full coverage.
Car Insurance Quotes in Sioux Falls, SD
| Young Drivers | $50 | $121 |
| Teens | No Data | $298 |
| Seniors | $40 | $90 |
| Drivers With an Accident | $59 | $139 |
| Drivers With a Speeding Ticket | $48 | $114 |
| Drivers With a DUI | $74 | $179 |
| Bad Credit | $70 | $171 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Sioux Falls vs. State Average
South Dakota
State Average Full Coverage Rate
$1,236
Sioux Falls, SD
City Average Full Coverage Rate
$1,159Sioux Falls Car Insurance is Cheap:$77 saved
This is 6% less expensive.
What Is the Average Car Insurance Rate in Sioux Falls?
In Sioux Falls, full coverage car insurance averages $1,159 annually, lower than South Dakota's $1,236 average. However, minimum coverage costs $482, higher than the state average of $405.
| State Average | $405 | $1,236 |
| Sioux Falls Average | $482 | $1,159 |
Cheapest Car Insurance Companies in Sioux Falls
While premiums are rising across South Dakota, you can still find affordable car insurance in Sioux Falls. Farmers Mutual of Nebraska offers the cheapest minimum coverage at $23 monthly. American Family provides the best rate for full coverage at $52.
WHY CAR INSURANCE IN SIOUX FALLS IS CHEAPER
Car insurance in Sioux Falls is affordable due to low population density, minimal traffic congestion and low vehicle theft rates. The city's mild weather reduces claims from natural disasters, while South Dakota's insurance regulations and affordable repair costs further contribute to lower premiums.
Cheap Car Insurance in Sioux Falls
Farmers Mutual of Nebraska and American Family often offer the cheapest minimum coverage, but rates vary by driver. To find the most affordable car insurance, get quotes from multiple providers. Below is a table showing the lowest rates for various driver profiles.
| Farmers Mutual of Nebraska | Minimum Coverage | $23 |
| American Family | Full Coverage | $52 |
| Kemper | Teens | $189 |
| American Family | Young Adults | $48 |
| Farmers Mutual of Nebraska | Seniors | $40 |
| American Family | Bad Credit | $44 |
| American Family | Drivers With a DUI | $53 |
| American Family | Drivers With an Accident | $54 |
| Farmers Mutual of Nebraska | Drivers With a Speeding Ticket | $50 |
Car Insurance Rates in Sioux Falls by Company
To find the cheapest car insurance, compare rates from different companies. Below are the most affordable options for minimum and full coverage plans in Sioux Falls.
Cheapest Car Insurance Companies for Minimum Coverage in Sioux Falls
Farmers Mutual of Nebraska offers the cheapest minimum coverage auto insurance in Sioux Falls at $23 per month, followed closely by American Family at $25. The table below breaks down the affordable options.
| Farmers Mutual of Nebraska | $23 | $18 |
| American Family | $25 | $16 |
| Kemper | $27 | $13 |
| State Farm | $34 | $6 |
| Progressive | $35 | $5 |
| Auto-Owners | $35 | $5 |
| GEICO | $36 | $4 |
| Western National | $37 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Sioux Falls
American Family offers the cheapest full coverage car insurance in Sioux Falls at $52 per month. Below is a list of other providers and their rates.
| American Family | $52 | $44 |
| Kemper | $60 | $37 |
| Farmers Mutual of Nebraska | $62 | $34 |
| Auto-Owners | $86 | $10 |
| State Farm | $90 | $6 |
Car Insurance Companies in Sioux Falls
American Family offers the cheapest car insurance in Sioux Falls at $460 annually. It's also the overall best provider, with a MoneyGeek score of 81 out of 100. Check the table below for more options.
| American Family | 81 | $460 |
| Auto-Owners | 76 | $730 |
| Western National | 74 | $900 |
| State Farm | 67 | $747 |
| GEICO | 57 | $816 |
| Kemper | 56 | $520 |
| Nationwide | 56 | $927 |
| Progressive | 54 | $956 |
| Allstate | 46 | $1,000 |
| Farmers | 46 | $1,175 |
| Farmers Mutual of Nebraska | No Data | $510 |
| Iowa Farm Bureau | No Data | $1,107 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Sioux Falls by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Sioux Falls, averaging $1,159 per year for 40-year-olds and $1,078 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,120 | $-459 |
| 17 | $2,038 | $-377 |
| 18 | $1,794 | $-132 |
| 19 | $1,649 | $12 |
| 20 | $1,672 | $-11 |
| 21 | $1,363 | $298 |
| 22 | $1,331 | $331 |
| 23 | $1,365 | $296 |
| 24 | $1,284 | $378 |
| 25 | $1,448 | $-149 |
| 40 | $1,159 | $140 |
| 65 | $1,078 | $222 |
Cheapest Car Insurance for Teens in Sioux Falls
Allstate offers the cheapest overall car insurance for teens in Sioux Falls at $90 per month, saving $69 compared to the state average. The table below breaks down the most affordable providers for this age group.
| Allstate | $90 | $69 | $365 |
| Nationwide | $111 | $47 | $237 |
| Farmers | $138 | $21 | $351 |
| State Farm | $162 | $-4 | $202 |
| GEICO | $170 | $-12 | $374 |
| Kemper | $180 | $-22 | $189 |
| Auto-Owners | $182 | $-24 | $213 |
| Progressive | $234 | $-76 | $453 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Sioux Falls
American Family offers the lowest monthly rates for young drivers in Sioux Falls: $31 for minimum coverage and $65 for full coverage. Explore the table below to compare affordable options across different driver profiles.
| American Family | Minimum Coverage | $31 |
| American Family | Full Coverage | $65 |
| American Family | Bad Credit | $48 |
| American Family | Drivers With a DUI | $58 |
| American Family | Drivers With an Accident | $59 |
| American Family | Drivers With a Speeding Ticket | $58 |
Cheapest Car Insurance Companies for Young Drivers in Sioux Falls
American Family offers the most affordable auto insurance for young drivers in Sioux Falls at $48 per month. The table below shows other companies with competitive rates.
| American Family | $48 | $37 |
| Farmers Mutual of Nebraska | $62 | $23 |
| Kemper | $63 | $23 |
| Auto-Owners | $78 | $7 |
| State Farm | $78 | $7 |
| GEICO | $83 | $3 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Best Car Insurance Rates for Seniors in Sioux Falls
Farmers Mutual of Nebraska, Kemper and American Family offer the cheapest car insurance for seniors in Sioux Falls, though rates vary by individual factors. Below is a table showing the most affordable providers for different driver and coverage profiles.
| Farmers Mutual of Nebraska | Minimum Coverage | $23 |
| Kemper | Full Coverage | $55 |
| Farmers Mutual of Nebraska | Bad Credit | $40 |
| American Family | Drivers With a DUI | $52 |
| Farmers Mutual of Nebraska | Drivers With an Accident | $52 |
| Farmers Mutual of Nebraska | Drivers With a Speeding Ticket | $44 |
Cheapest Car Insurance for Seniors in Sioux Falls
Farmers Mutual of Nebraska offers the cheapest monthly premium for seniors, $40, for minimum and full coverage policies. Kemper follows closely at $41. The table below shows the top car insurance providers for seniors in Sioux Falls.
| Farmers Mutual of Nebraska | $40 | $24 |
| Kemper | $41 | $24 |
| American Family | $43 | $22 |
| Auto-Owners | $57 | $8 |
| State Farm | $58 | $7 |
| GEICO | $61 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Car Insurance Cost for High-Risk Drivers in Sioux Falls
In Sioux Falls, high-risk drivers often pay more for minimum coverage than the state average but less for full coverage. Those with bad credit and DUIs face the highest rates, while accidents and speeding tickets have less effect.
| State Average | $605 | $1,826 |
| Sioux Falls Average | $725 | $1,731 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers in Sioux Falls typically consider minor driving incidents like speeding tickets for three to five years. The timeline extends for more severe offenses, such as a DUI, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Sioux Falls
Western National offers the cheapest minimum coverage for drivers with a DUI in Sioux Falls at $384 annually. American Family provides the lowest rate for full coverage at $855. Check out the table below for more low-cost coverage options.
| Western National | $32 | $102 |
| American Family | $34 | $71 |
| State Farm | $39 | $101 |
| Progressive | $40 | $130 |
| Farmers Mutual of Nebraska | $46 | $124 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Sioux Falls
Western National, Farmers Mutual of Nebraska and American Family offer the cheapest auto insurance after an at-fault accident in Sioux Falls. The table below shows various providers offering affordable coverage.
| Western National | $32 | $102 |
| Farmers Mutual of Nebraska | $33 | $87 |
| American Family | $34 | $73 |
| Kemper | $42 | $97 |
| State Farm | $43 | $108 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Sioux Falls
Farmers Mutual of Nebraska is the cheapest car insurance provider for drivers with speeding tickets in Sioux Falls, offering minimum coverage at $27. American Family has the lowest full coverage rate at $71. The table below shows how much other providers charge drivers with speeding tickets.
| Farmers Mutual of Nebraska | $27 | $73 |
| Western National | $32 | $102 |
| Kemper | $33 | $74 |
| American Family | $34 | $71 |
| State Farm | $39 | $101 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Sioux Falls
Farmers Mutual of Nebraska offers the most affordable rates for drivers with bad credit in Sioux Falls, starting at $25 for minimum coverage. American Family is the cheapest for full coverage at $59. See the table below for other affordable options.
| Farmers Mutual of Nebraska | $25 | $69 |
| American Family | $28 | $59 |
| Western National | $32 | $102 |
| Kemper | $54 | $73 |
| Iowa Farm Bureau | $55 | $152 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Sioux Falls, SD
In South Dakota, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
For example, if you're in an accident, your insurance will cover up to $25,000 for injuries to one person.
Cheap Car Insurance in Sioux Falls: Bottom Line
Farmers Mutual of Nebraska provides the cheapest minimum coverage, while American Family leads for full coverage in Sioux Falls. Regardless of your age or credit, affordable options are available. Ensure your policy includes South Dakota's required coverage: bodily injury, property damage and uninsured motorist. Compare providers to find a deal that’s budget-friendly and meets state requirements.
Sioux Falls Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Sioux Falls.
What is the cheapest car insurance company in Sioux Falls, SD?
Farmers Mutual of Nebraska offers Sioux Falls drivers the most affordable minimum coverage at just $23 per month, saving $18 compared to others.
What is the best car insurance company in Sioux Falls, SD?
American Family is the top car insurance provider in Sioux Falls, with an annual premium for minimum coverage at $460.
How much does car insurance cost on average in Sioux Falls, SD?
The average cost of minimum coverage auto insurance in Sioux Falls ranges from $40 to $74 per month.
Best Cheap Car Insurance in Sioux Falls: Our Methodology
MoneyGeek analyzed Sioux Falls auto insurance prices using the South Dakota Division of Insurance and Quadrant Information Services data.
Sioux Falls Driver Profile
To assess the best and most affordable auto insurance options for Sioux Falls residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Sioux Falls
In assessing the car insurance quotes for Sioux Falls, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to South Dakota's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among South Dakota providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Sioux Falls
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Sioux Falls for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For additional details, review MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. 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's also a 5-time Jeopardy champion!
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.