Sioux Falls, SD Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Sioux Falls.
How much does car insurance cost in Sioux Falls?
Car insurance costs an average of $741 per six-months in Sioux Falls. That's less than the average in South Dakota ($854) and cheaper than the national average of $880. Our guide to Sioux Falls auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
| Car insurance in Sioux Falls vs. South Dakota | Average 6 Mo. Premium |
|---|---|
| Sioux Falls average | $741 |
| South Dakota average | $854 |
The Zebra's key takeaways about car insurance in Sioux Falls:
- The average cost of a car insurance policy in Sioux Falls is $741 per six-month policy — $142 per month.
- The cheapest company in Sioux Falls is State Farm ($517).
- 37% of Zebra customers in Sioux Falls stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Sioux Falls car insurance rates by company
The best way to save money is to compare car insurance rates from as many companies as possible. In Sioux Falls, State Farm offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Sioux Falls below. Use this information as a starting point and be sure to get car insurance quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $517 |
| Farmers | $632 |
| American Family | $669 |
| Progressive | $671 |
| Iowa Farm Bureau | $704 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Sioux Falls.
Sioux Falls auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 27% of Sioux Falls drivers. The age group that enjoys the lowest auto insurance rates in Sioux Falls are drivers in their 60s, who pay an average of $598 per six-months. Those in their 50s don't pay significantly more ($599).
Teenage drivers pay Sioux Falls's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Sioux Falls is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Sioux Falls is $3,545, the largest such difference between any two age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,726 |
| 20s | $953 |
| 30s | $722 |
| 40s | $656 |
| 50s | $599 |
| 60s | $598 |
| 70s | $711 |
Sioux Falls car insurance rates by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Sioux Falls drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Sioux Falls, moving into the "Fair" credit tier corresponds to an average of $59 in savings on insurance each year. Our data tells us 35% of drivers in Sioux Falls have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,488 |
| Fair | $892 |
| Good | $741 |
| Very Good | $673 |
| Exceptional | $611 |
Sioux Falls car insurance rates by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Sioux Falls, a reckless driving citation results in an average insurance rate increase of $644 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $590 increase and a speeding ticket triggers a $255 rate hike.
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| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,036 |
| Reckless Driving | $1,063 |
| At-fault Accident (damages less than $1,000) | $945 |
| At-fault Accident (damages greater than $2,000) | $996 |
| Speeding Ticket (16-20 mph over speed limit) | $868 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.