Cheapest Auto Insurance in Sioux Falls, South Dakota (2025)

South Dakota drivers face snowy winters that create risky driving conditions, but the state’s spread-out population leads to less traffic congestion. Sioux Falls is the largest city in South Dakota, which may explain why residents pay slightly higher rates than the state average.

On average, full-coverage car insurance costs $128 per month in Sioux Falls, while minimum coverage averages $69. The city's averages are well below state and national numbers. Average monthly costs in South Dakota are $136 for full coverage and $59 for liability-only insurance, according to Insurify data.

Sioux Fall drivers could save even more when they compare quotes from multiple insurers. Here’s what you need to know about finding the cheapest car insurance in Sioux Falls.

Cheapest car insurance companies in Sioux Falls

Because insurers calculate your premiums based on several factors, it’s a good idea to compare quotes from multiple insurance companies. When shopping for insurance, you should consider your coverage needs, driving history, budget, and more.

Below, you can learn more about three top insurers offering coverage in Sioux Falls.

Best insurer for cheap rates: State Auto

Best insurer for AAA members: CSAA

Best insurer for high-risk drivers: Midvale Home & Auto

How to get the cheapest car insurance in Sioux Falls

Each car insurance company has its own formula to calculate your rates by plugging in a variety of factors, including your driving record, credit history, and age. Your ZIP code can also increase your car’s likelihood of auto theft or other claims, which can affect average rates in an area.

You can’t change many of the factors that have an effect on premiums, but you can find ways to earn cheaper premiums. Consider the following tips for finding cheap car insurance:

• Shop around. Get a quote from as many insurance companies as you can because each insurer has its own price-setting formula and could offer the lowest rates for you.

• Inquire about discounts. Double-check your eligibility for all discount offers, especially for bundling renters and home insurance policies with auto insurance and for using telematic devices.

• Set a higher deductible. Increasing your deductible to the highest amount you can afford will decrease your monthly premium payments.2

Cheapest liability-only car insurance in Sioux Falls

Most states, including South Dakota, require you to purchase a minimum amount of liability coverage to pay for damage or injury you cause the other driver and their passengers in a car accident. The average cost of liability coverage in South Dakota is $59 per month.

While liability-only coverage is typically the cheapest type of insurance you can buy, it's not for everyone. If you have a lease or auto loan, you'll need to buy full coverage. But if you have a paid-off, older vehicle, or one that's less expensive to repair, you may save money with a liability-only policy.

Here are the cheapest liability coverage options in Sioux Falls. State Auto offers the cheapest average liability coverage in Sioux Falls, at $49 per month.

Cheapest full-coverage car insurance in Sioux Falls

Full-coverage car insurance typically includes collision, comprehensive, and liability coverage, which extends coverage to your vehicle. Auto lenders and leasing companies typically require drivers who finance or lease their vehicles to purchase this coverage, but many people choose to carry it for the additional financial protection.

Though more expensive than a liability-only policy, full coverage is a good option if you can’t afford the out-of-pocket costs of replacing your car if you cause an accident. Full-coverage car insurance in South Dakota averages $136 per month.

The cheapest insurer for full-coverage car insurance in Sioux Falls is Midvale Home & Auto, with an average cost of $118 per month. Compare more full-coverage quotes below.

Car insurance requirements in South Dakota

The state of South Dakota requires you to purchase a minimum level of coverage to help pay for any damages you may cause in an accident. In addition to liability coverage, South Dakota also requires you to carry uninsured and underinsured motorist coverage in case you have an accident with someone who doesn’t have enough — or any — liability coverage.3

South Dakota is an at-fault state, which means the driver responsible for a car accident must cover the other driver’s resulting medical bills and vehicle repair costs.4

Here are the specific minimum insurance requirements in South Dakota:

Most insurers offer other insurance products that you can purchase for even more protection. Common optional coverages include:

Cheapest car insurance for drivers with an incident

Insurers can view your driving record, which will include any past incidents, including speeding tickets, driving under the influence (DUI) charges, or at-fault accidents. Insurers consult this when you apply for car insurance because it’s a good predictor of the risk level you pose as a driver and how expensive you are to insure.5

The overall cost of car insurance for South Dakota drivers with an incident is $121 per month. The severity of your offense and whether you have other past violations will influence how much you pay for car insurance.

Cheapest car insurance for drivers with a speeding ticket

Most insurers will increase your rates if you have a speeding ticket on your record. A single speeding ticket may not influence your premium too much, but insurers see speeding as a risky behavior that can lead to future accidents and claims.

For South Dakota drivers with a speeding ticket, the overall average cost of auto coverage is $146 per month. Below, you can see how much auto insurers in Sioux Falls charge drivers with a past speeding ticket for car insurance.

Cheapest car insurance for drivers with an at-fault accident

Having an at-fault accident on your driving record can cause your rates to increase because you’re showing that you’re a higher-risk driver for an insurer to take on. Anyone can cause an accident, but if you’ve already had one at-fault accident, you’re more likely to do it again.

The average cost of car insurance in South Dakota for drivers with a past at-fault accident is $129 per month. Here are average quotes for Sioux Falls drivers with an accident.

Cheapest car insurance for drivers with a DUI

In 2022, drunk drivers caused 127 different car crashes in Sioux Falls. Accidents involving drunk drivers typically cost more, cause more damage, and are more likely to kill someone. Many insurers are wary of covering people with a past DUI due to the likelihood of it happening again.

If you have a DUI on your record, you’ll typically pay the highest rates by driver record. If you do drive again, you may need to take extra steps through your insurance company as well, such as filing an SR-22 form with the state of South Dakota. South Dakota drivers with a past DUI pay an average of $129 per month for car insurance.

Find average car insurance quotes from top insurers below.

Cheapest car insurance for seniors

Seniors 65 and older make up about 13% of the population of Sioux Falls.6 As you age, your car insurance rates typically decrease as you gain experience. Once you turn 70, rates may start to increase again as insurers adjust for aging-related risk factors that increase the chance of accidents.

On average, senior drivers in South Dakota pay $124 per month for car insurance. Here are some of the cheapest average quotes for seniors in Sioux Falls.

Cheapest car insurance for teens

Teenagers have limited driving experience and are more likely to cause an accident. Drivers younger than 19 had 1,135 accidents in Sioux Falls in 2022, accounting for 12% of accidents in the city despite making up a relatively small fraction of the driving population.

You can save money on your teenager’s car insurance policy by adding them to your existing policy. Getting good grades in school and completing an approved driver education course may also qualify young drivers for good-student discounts offered by many insurers. Purchasing a car with high safety ratings and of a newer model year can be another good way to save money and stay safer at the same time.

Teen drivers in South Dakota pay $300 per month for car insurance, on average. Find the cheapest coverage options in Sioux Falls below.

Sioux Falls car insurance quotes by credit tier

South Dakota allows insurers to consider your credit history when you apply for car insurance. Drivers with excellent or good credit typically earn lower average rates than people with poor credit.

Here’s how much you can expect to pay for insurance in Sioux Falls, based on your credit tier.

Is car insurance more expensive in Sioux Falls?

Sioux Falls residents pay more for car insurance than the state average of $98 but less than the overall national average of $144. On average, Sioux Falls drivers pay $115 per month for auto coverage.

Residents in Sioux Falls may face higher car insurance rates than other drivers in the state because they live in the largest city in the state. Generally, South Dakotans pay less for coverage than the national average because the population isn’t dense, which leads to less traffic congestion and fewer accidents.

More cities in South Dakota

Sioux Falls is the largest city in South Dakota, so drivers face problems that aren’t as common in more rural communities, such as auto theft and fender-benders while driving on city streets. Compare average quotes in different South Dakota cities below.