Buy Cheap Sioux Falls, SD Auto Insurance
The cheapest Sioux Falls, SD auto insurance is offered by State Farm, but rates are different for every driver. Auto insurance in Sioux Falls must meet the South Dakota requirements of 25/50/25 in liability coverage and 25/50 in uninsured/underinsured motorist coverage. Compare Sioux Falls, SD auto insurance rates online to find the best deal for you.
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UPDATED: Jul 15, 2021
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- State Farm offers the cheapest average auto insurance rates in Sioux Falls, SD
- Sioux Falls car insurance is cheaper than average
- Drivers in Sioux Falls have shorter than average commute times
Not only is Sioux Falls, SD auto insurance cheaper than the national average, it’s also cheaper than South Dakota auto insurance average rates.
Even if average rates are low, you still want to find the most affordable Sioux Falls, SD auto insurance out there. Shop around and compare rates from multiple companies to see which one can offer you cheap car insurance that fits your needs.
Enter your ZIP code now to compare Sioux Falls, SD auto insurance quotes near you for free.
What is the cheapest auto insurance company in Sioux Falls, SD?
The cheapest Sioux Falls, SD auto insurance company on average is State Farm, although rates will be different for each driver.
The top Sioux Falls, SD auto insurance companies listed from cheapest to most expensive are:
- State Farm – $2,358.98
- GEICO – $2,423.73
- Nationwide – $2,611.64
- Progressive – $3,493.43
- American Family – $3,592.78
- Farmers – $3,685.35
- Allstate – $4,609.89
- Liberty Mutual – $6,709.26
Your auto insurance rates are affected by many different factors, such as your age and driving record. Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance.
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What auto insurance coverage is required in Sioux Falls, SD?
Most states, including South Dakota, require drivers to carry at least minimum auto insurance coverages. Drivers in Sioux Falls must carry at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $25,000 per incident for property damage
- $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage
These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.
What affects auto insurance rates in Sioux Falls, SD?
Traffic can cause an increase in your auto insurance rates. More cars on the road equal a greater chance of being in an accident.
Although INRIX doesn’t have data for Sioux Falls, SD, the closest city it does rank is Minneapolis, MN. Minneapolis is ranked the 77th most congested city in the U.S.
City-Data shows that most drivers in Sioux Falls commute about 20 minutes and prefer to drive alone.
Auto theft can also drive up your rates. According to the FBI statistics, there were 469 motor vehicle thefts in one year in Sioux Falls.
Sioux Falls, SD Auto Insurance: The Bottom Line
Sioux Falls auto insurance is pretty inexpensive, but you still need to shop around before you buy Sioux Falls, SD auto insurance to get the cheapest rates. Compare quotes from several different companies to find the best deal.
Enter your ZIP code now to compare Sioux Falls, SD auto insurance rates from multiple companies near you.