Cheapest car insurance companies in Rapid City 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Nationwide and State Farm in Rapid City for 2023. 

Nationwide is the cheapest option for most Rapid City drivers, with an average annual rate of $1,700

When it comes to car insurance costs in Rapid City, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
USAA$1,466
Nationwide$1,700
State Farm$1,777
Geico$2,144
Farmers$2,364
Farmers Mut Ins Co of NE$2,379
Allstate$2,659
Auto-Owners$2,793
Iowa Farm Bureau$2,895
Progressive$3,911
North Star Mutual$4,276

Cheapest car insurance cost in Rapid City by Age Group 

In Rapid City, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $3,946 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

For young drivers in Rapid City, USAA has the cheapest auto insurance rates, with an average annual cost of $2,137 annually

For Rapid City drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $1,474 annually

USAA is the cheapest option for senior drivers in Rapid City, with an average premium of $1,395 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
USAA$3,946$2,137$1,474$1,395
State Farm$4,745$2,840$1,773$1,621
Nationwide$5,357$2,735$1,649$1,401
Geico$5,790$3,435$2,085$2,006
Farmers Mut Ins Co of NE$5,930$3,613$2,361$1,986
Iowa Farm Bureau$6,445$3,794$2,740$2,185
Auto-Owners$6,531$4,362$2,758$2,345
North Star Mutual$9,257$5,874$4,034$3,755
Farmers$9,314$3,102$2,278$1,967
Allstate$9,481$4,150$2,610$2,451
Progressive$9,972$5,508$3,811$3,345

Cheapest car insurance companies in Rapid City by driver profile 

Insurers in Rapid City consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

When it comes to finding the cheapest car insurance rates in Rapid City, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Rapid City drivers based on driver profile.

Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Rapid City drivers is $1,564

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Rapid City.

CompanyAverage annual rates
Nationwide$1,564
Geico$1,748
USAA$2,316
Farmers$2,756
Allstate$2,951
Progressive$4,020
State Farm$6,287

In Rapid City, State Farm provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,330, on average. 

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,330
USAA$1,454
Geico$1,600
Nationwide$1,702
Allstate$2,308
Farmers$2,457
Progressive$2,990

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Rapid City with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,411 annually.

CompanyAverage annual rates
State Farm$1,411
USAA$1,810
Nationwide$1,931
Geico$2,584
Farmers$2,751
Allstate$2,988
Progressive$3,610

In Rapid City, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,330 a year

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
State Farm$1,330
USAA$2,660
Farmers$2,794
Nationwide$2,848
Progressive$2,978
Allstate$3,727
Geico$7,685

Average car insurance cost in Rapid City 

In Rapid City, the annual cost of car insurance for the coverage level of 100/300/100 is $2,497 or around $208 per month. However, the average yearly rate for state minimum coverage in Rapid City is $371.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,497$371

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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