Average car insurance cost in Sioux Falls
Full coverage car insurance in Sioux Falls costs an average of $2,336 per year, or $195 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $507 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,168 |
| Average annual premium | $2,336 |
| State minimum premium | $507 |
Cheapest car insurance companies in Sioux Falls
Farmers Mutual of Nebraska offers the cheapest full coverage car insurance in Sioux Falls at $1,462 per year. Progressive has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Sioux Falls.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Farmers Mutual of Nebraska | $731 | $1,462 |
| Progressive | $820 | $1,639 |
| Nationwide | $1,102 | $2,203 |
| Allstate | $1,157 | $2,314 |
| GEICO | $1,172 | $2,345 |
| Auto-Owners | $1,240 | $2,480 |
| State Farm | $1,265 | $2,529 |
| Farmers | $1,308 | $2,617 |
| North Star Mutual | $1,545 | $3,090 |
| Iowa Farm Bureau | $1,855 | $3,711 |
| USAA | $870 | $1,739 |
Cheapest car insurance cost in Sioux Falls by age group
The cheapest car insurance company in Sioux Falls varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Farmers Mutual of Nebraska is cheapest for teens, Farmers Mutual of Nebraska for young adults, Farmers Mutual of Nebraska for adults, and Progressive for seniors in our rate analysis.
Take a look at the cheapest companies in Sioux Falls by age group:
- Cheapest for teens: Farmers Mutual of Nebraska
- Cheapest for young adults: Farmers Mutual of Nebraska
- Cheapest for adults: Farmers Mutual of Nebraska
- Cheapest for seniors: Progressive
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Farmers Mutual of Nebraska offers the cheapest car insurance for teens at $3,133 per year.
Farmers Mutual of Nebraska offers the most affordable auto insurance for young adults at $1,932 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Farmers Mutual of Nebraska provides the lowest car insurance rates at $1,422 per year for adult drivers in Sioux Falls.
Progressive offers the least expensive car insurance for senior drivers in Sioux Falls, at $1,257 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $3,133 | $1,932 | $1,422 | $1,347 |
| Progressive | $6,326 | $2,167 | $1,566 | $1,257 |
| Nationwide | $8,260 | $3,792 | $2,213 | $2,062 |
| GEICO | $6,762 | $3,826 | $2,276 | $2,190 |
| Allstate | $13,433 | $3,644 | $2,290 | $2,349 |
| Auto-Owners | $6,962 | $4,244 | $2,473 | $2,336 |
| Farmers | $12,128 | $3,472 | $2,502 | $2,371 |
| State Farm | $7,154 | $4,177 | $2,534 | $2,362 |
| North Star Mutual | $6,837 | $4,797 | $2,935 | $2,730 |
| Iowa Farm Bureau | $9,822 | $5,553 | $3,357 | $2,984 |
| USAA | $4,298 | $2,477 | $1,747 | $1,642 |
Cheapest car insurance companies in Sioux Falls by driver profile
The cheapest car insurance provider in Sioux Falls varies based on driving history and credit-based insurance information. Progressive has the lowest rate after an at-fault accident, Progressive after a DUI, and Progressive after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Sioux Falls by driver profile.
- Cheapest for poor credit: Progressive
- Cheapest for an at-fault accident: Progressive
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: Progressive
Cheapest for a driver with poor credit: Progressive
Drivers with poor credit in Sioux Falls can find the lowest average car insurance rate from Progressive at $2,780 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Sioux Falls.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,390 | $2,780 |
| GEICO | $1,436 | $2,873 |
| Nationwide | $1,554 | $3,108 |
| Allstate | $1,705 | $3,409 |
| Farmers | $2,141 | $4,281 |
| Auto-Owners | $3,832 | $7,664 |
| State Farm | $6,600 | $13,201 |
| USAA | $1,733 | $3,465 |
Cheapest auto insurance after an at-fault accident: Progressive
After an at-fault accident, Progressive has the cheapest average car insurance in Sioux Falls at $2,115 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Sioux Falls.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,058 | $2,115 |
| State Farm | $1,445 | $2,890 |
| Allstate | $1,759 | $3,517 |
| Auto-Owners | $1,802 | $3,604 |
| Farmers | $1,851 | $3,702 |
| Nationwide | $1,859 | $3,717 |
| GEICO | $1,937 | $3,875 |
| USAA | $1,304 | $2,608 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $1,712 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Sioux Falls.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $856 | $1,712 |
| State Farm | $1,349 | $2,699 |
| Farmers | $1,776 | $3,552 |
| Allstate | $1,991 | $3,983 |
| Nationwide | $2,429 | $4,857 |
| Auto-Owners | $2,478 | $4,957 |
| GEICO | $3,640 | $7,281 |
| USAA | $1,876 | $3,752 |
Cheapest for drivers with a speeding ticket: Progressive
Progressive offers the cheapest car insurance at $1,899 in Sioux Falls for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $950 | $1,899 |
| Allstate | $1,269 | $2,537 |
| GEICO | $1,298 | $2,596 |
| State Farm | $1,349 | $2,699 |
| Farmers | $1,718 | $3,436 |
| Nationwide | $1,798 | $3,597 |
| Auto-Owners | $1,817 | $3,635 |
| USAA | $1,117 | $2,234 |
Car insurance discounts for Sioux Falls drivers
The biggest car insurance discount available in Sioux Falls is for the Years Insured category at 39%, offered by Iowa Farm Bureau.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Sioux Falls drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Nationwide | $2,442 | $2,430 | 1% | $12 |
| Air Bags | GEICO | $3,318 | $3,292 | 1% | $26 |
| Anti-Theft Device | Auto-Owners | $2,891 | $2,775 | 4% | $115 |
| Anti-Theft Device | North Star Mutual | $3,228 | $3,072 | 5% | $156 |
| Anti-Theft Device | GEICO | $3,318 | $3,252 | 2% | $66 |
| Comp and Coll Deductibles | Farmers Mutual of Nebraska | $1,499 | $1,474 | 2% | $25 |
| Comp and Coll Deductibles | Progressive | $2,249 | $1,711 | 24% | $538 |
| Comp and Coll Deductibles | Allstate | $2,335 | $1,984 | 15% | $351 |
| Comp and Coll Deductibles | Nationwide | $2,442 | $2,057 | 16% | $385 |
| Comp and Coll Deductibles | Auto-Owners | $2,891 | $2,472 | 14% | $419 |
| Comp and Coll Deductibles | Farmers | $2,796 | $2,540 | 9% | $256 |
| Comp and Coll Deductibles | State Farm | $2,814 | $2,565 | 9% | $248 |
| Comp and Coll Deductibles | North Star Mutual | $3,228 | $2,579 | 20% | $649 |
| Comp and Coll Deductibles | GEICO | $3,318 | $2,806 | 15% | $512 |
| Comp and Coll Deductibles | Iowa Farm Bureau | $4,708 | $3,739 | 21% | $969 |
| Daily Commute | Auto-Owners | $2,891 | $2,399 | 17% | $491 |
| Daily Commute | North Star Mutual | $3,228 | $2,802 | 13% | $426 |
| Daily Commute | GEICO | $3,318 | $3,106 | 6% | $212 |
| Daily Commute | Iowa Farm Bureau | $4,708 | $4,464 | 5% | $244 |
| Days Advanced Purchase | Progressive | $2,249 | $2,165 | 4% | $84 |
| Days Advanced Purchase | Nationwide | $2,442 | $2,321 | 5% | $121 |
| Days Advanced Purchase | Farmers | $2,796 | $2,518 | 10% | $279 |
| Days Per Week Driven | North Star Mutual | $3,228 | $2,802 | 13% | $426 |
| Days Per Week Driven | GEICO | $3,318 | $3,106 | 6% | $212 |
| Education | GEICO | $3,318 | $2,995 | 10% | $323 |
| Electronic Funds Transfer | Nationwide | $2,442 | $2,335 | 4% | $107 |
| Electronic Funds Transfer | Farmers | $2,796 | $2,741 | 2% | $56 |
| Homeowner | Progressive | $2,249 | $2,189 | 3% | $60 |
| Homeowner | Allstate | $2,335 | $2,252 | 4% | $82 |
| Homeowner | Farmers | $2,796 | $2,473 | 12% | $323 |
| Homeowner | Auto-Owners | $2,891 | $2,688 | 7% | $202 |
| Lower Annual Mileage | Progressive | $2,249 | $2,122 | 6% | $127 |
| Lower Annual Mileage | Allstate | $2,335 | $2,177 | 7% | $158 |
| Lower Annual Mileage | State Farm | $2,814 | $2,526 | 10% | $287 |
| Loyalty - Years Renewal With Company | Farmers Mutual of Nebraska | $1,499 | $1,426 | 5% | $73 |
| Loyalty - Years Renewal With Company | Progressive | $2,249 | $2,192 | 3% | $57 |
| Loyalty - Years Renewal With Company | State Farm | $2,814 | $2,365 | 16% | $449 |
| Loyalty - Years Renewal With Company | Iowa Farm Bureau | $4,708 | $4,270 | 9% | $438 |
| Marital Status | Farmers Mutual of Nebraska | $1,499 | $1,384 | 8% | $115 |
| Marital Status | Progressive | $2,249 | $1,926 | 14% | $323 |
| Marital Status | Nationwide | $2,442 | $2,165 | 11% | $277 |
| Marital Status | Allstate | $2,335 | $2,236 | 4% | $99 |
| Marital Status | Farmers | $2,796 | $2,607 | 7% | $190 |
| Marital Status | GEICO | $3,318 | $3,106 | 6% | $212 |
| Marital Status | Iowa Farm Bureau | $4,708 | $4,459 | 5% | $249 |
| Multi Policy | Farmers Mutual of Nebraska | $1,499 | $1,387 | 7% | $112 |
| Multi Policy | Progressive | $2,249 | $2,146 | 5% | $103 |
| Multi Policy | Allstate | $2,335 | $2,161 | 7% | $173 |
| Multi Policy | Nationwide | $2,442 | $2,296 | 6% | $147 |
| Multi Policy | Farmers | $2,796 | $2,473 | 12% | $323 |
| Multi Policy | State Farm | $2,814 | $2,512 | 11% | $302 |
| Multi Policy | Auto-Owners | $2,891 | $2,646 | 8% | $245 |
| Multi Policy | North Star Mutual | $3,228 | $2,656 | 18% | $572 |
| Multi Policy | GEICO | $3,318 | $3,108 | 6% | $210 |
| Multi Policy | Iowa Farm Bureau | $4,708 | $4,417 | 6% | $291 |
| Paperless/Electornic Documents | Allstate | $2,335 | $2,131 | 9% | $204 |
| Paperless/Electornic Documents | Progressive | $2,249 | $2,226 | 1% | $23 |
| Paperless/Electornic Documents | Nationwide | $2,442 | $2,335 | 4% | $107 |
| Paperless/Electornic Documents | Farmers | $2,796 | $2,708 | 3% | $88 |
| Payment Type | Farmers Mutual of Nebraska | $1,499 | $1,379 | 8% | $120 |
| Payment Type | Allstate | $2,335 | $1,918 | 18% | $417 |
| Payment Type | Nationwide | $2,442 | $2,227 | 9% | $215 |
| Payment Type | Auto-Owners | $2,891 | $2,486 | 14% | $404 |
| Payment Type | Farmers | $2,796 | $2,658 | 5% | $139 |
| Payment Type | North Star Mutual | $3,228 | $3,003 | 7% | $225 |
| Payment Type | Iowa Farm Bureau | $4,708 | $4,332 | 8% | $376 |
| Primary Use | Nationwide | $2,442 | $2,120 | 13% | $322 |
| Primary Use | Allstate | $2,335 | $2,178 | 7% | $157 |
| Primary Use | Progressive | $2,249 | $2,216 | 1% | $33 |
| Primary Use | Auto-Owners | $2,891 | $2,274 | 21% | $616 |
| Primary Use | State Farm | $2,814 | $2,497 | 11% | $317 |
| Primary Use | North Star Mutual | $3,228 | $2,561 | 21% | $668 |
| Primary Use | GEICO | $3,318 | $3,106 | 6% | $212 |
| Primary Use | Iowa Farm Bureau | $4,708 | $3,986 | 15% | $722 |
| Profession | Progressive | $2,249 | $2,127 | 5% | $122 |
| Profession | GEICO | $3,318 | $2,995 | 10% | $323 |
| Safety Devices | Progressive | $2,249 | $2,160 | 4% | $89 |
| Safety Devices | Allstate | $2,335 | $2,178 | 7% | $157 |
| Safety Devices | Auto-Owners | $2,891 | $2,836 | 2% | $55 |
| Safety Devices | GEICO | $3,318 | $3,255 | 2% | $63 |
| Telematics | Progressive | $2,249 | $2,024 | 10% | $225 |
| Telematics | Nationwide | $2,442 | $2,184 | 11% | $259 |
| Telematics | State Farm | $2,814 | $2,581 | 8% | $233 |
| Telematics | Iowa Farm Bureau | $4,708 | $4,247 | 10% | $461 |
| Years Insured | Allstate | $2,335 | $1,471 | 37% | $864 |
| Years Insured | Progressive | $2,249 | $2,041 | 9% | $208 |
| Years Insured | Nationwide | $2,442 | $2,156 | 12% | $286 |
| Years Insured | Farmers | $2,796 | $2,323 | 17% | $474 |
| Years Insured | Iowa Farm Bureau | $4,708 | $2,860 | 39% | $1,848 |
| Years Insured | GEICO | $3,318 | $2,932 | 12% | $386 |
How to get cheap car insurance in Sioux Falls in 2026
To find cheap car insurance in Sioux Falls in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Sioux Falls by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Sioux Falls.
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
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.
FAQ: Cheap Car Insurance in Sioux Falls
How much does car insurance cost in Sioux Falls?
Car insurance costs $2,336 per year on average, or about $195 monthly for full coverage in Sioux Falls. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in SD?
No, you don't legally need full coverage in SD, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Sioux Falls?
You can reduce your car insurance costs in Sioux Falls by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
Compare auto insurance rates by city in South Dakota
