CarInsurance.com Insights
- CarInsurance.com’s data study found that Farmers Mutual of Nebraska and Progressive offer the cheapest car insurance rates in Sioux Falls at annual costs of $239 and $306, respectively, for state minimum coverage.
- You can save an average of $2,249 per year on a full coverage policy in Sioux Falls by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with Progressive at an average annual cost of $1,899 for full coverage.
- Progressive is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $1,712 for full coverage.
Based on a detailed data analysis, Farmers Mutual of Nebraska, Progressive, and Nationwide are the insurers that offer cheap full coverage car insurance rates for drivers in Sioux Falls, South Dakota.
Car insurance in Sioux Falls for an adult with a clean driving record and good insurance score costs $507 a year for a state minimum policy and $2,336 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Sioux Falls.
Who offers the cheapest car insurance rates in Sioux Falls, South Dakota?
Farmers Mutual of Nebraska provides the cheapest car insurance for a state minimum policy in Sioux Falls at an average cost of $239 per year or $20 per month. Its full coverage car insurance averages $122 monthly for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Sioux Falls.
| Insurance company | Annual premium |
|---|---|
| Farmers Mutual of Nebraska | $1,462 |
| Progressive | $1,639 |
| Nationwide | $2,203 |
| Allstate | $2,314 |
| GEICO | $2,345 |
| Auto-Owners | $2,480 |
| State Farm | $2,529 |
| Farmers | $2,617 |
| North Star Mutual | $3,090 |
| Iowa Farm Bureau | $3,711 |
| USAA | $1,739 |
Average car insurance rates in Sioux Falls
According to our rate analysis, the average cost of car insurance for state minimum coverage in Sioux Falls is $507. For liability-only coverage with limits of 50/100/50, you would pay $7 more a month or $85 more a year.
You can get full coverage (100/300/100) by paying $152 more a month or an additional $1,829 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $507 |
| Liability only (50/100/50) | $592 |
| Full coverage (100/300/100, $500 ded.) | $2,336 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,607 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $1,995 |
| Non-owners | $257 |
Cheapest rates for drivers in Sioux Falls, South Dakota, by age
Age plays a significant role in determining car insurance rates in Sioux Falls. It’s one of the key factors that insurers consider when setting premiums.
Teens (ages 16 to 19) are more likely to be involved in accidents due to their lack of experience behind the wheel. According to the Centers for Disease Control and Prevention (CDC), teen drivers are more likely to be involved in fatal crashes compared to adults. The greater the risk of an accident, the higher the car insurance rates.
According to the Insurance Information Institute (Triple-I), drivers in their 40s, 50s and 60s generally pay lower car insurance premiums than teen drivers because they have significantly more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Farmers Mutual of Nebraska | $3,133 |
| Young adults (20-24) | Farmers Mutual of Nebraska | $1,932 |
| Adults (25-60) | Farmers Mutual of Nebraska | $1,422 |
| Seniors (65-75) | Progressive | $1,257 |
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Cheapest car insurance rates for Sioux Falls drivers after a speeding ticket
Our data shows that Progressive has the most affordable car insurance rates for drivers in Sioux Falls after a speeding ticket, with an average annual cost of $1,899 or $158 monthly. Allstate and GEICO also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Sioux Falls drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Progressive | $1,639 | $1,899 | 16% |
| Allstate | $2,314 | $2,537 | 10% |
| GEICO | $2,345 | $2,596 | 11% |
| State Farm | $2,529 | $2,699 | 7% |
| Farmers | $2,617 | $3,436 | 31% |
| Nationwide | $2,203 | $3,597 | 63% |
| Auto-Owners | $2,480 | $3,635 | 47% |
| USAA | $1,739 | $2,234 | 28% |
Cheap car insurance for drivers with a DUI in Sioux Falls
If you’re a driver with a DUI in Sioux Falls, finding affordable car insurance can be challenging. However, Progressive, State Farm and Farmers offer cheap car insurance rates for drivers in Sioux Falls after a DUI conviction.
The table below lists affordable car insurance companies in Sioux Falls that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Progressive | $1,639 | $1,712 | 4% |
| State Farm | $2,529 | $2,699 | 7% |
| Farmers | $2,617 | $3,552 | 36% |
| Allstate | $2,314 | $3,983 | 72% |
| Nationwide | $2,203 | $4,857 | 120% |
| Auto-Owners | $2,480 | $4,957 | 100% |
| GEICO | $2,345 | $7,281 | 211% |
| USAA | $1,739 | $3,752 | 116% |
Affordable car insurers for Sioux Falls drivers after an at-fault accident
Dealing with an at-fault accident on your record in Sioux Falls can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Sioux Falls, Progressive offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Sioux Falls if you have an at-fault accident on your record.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Progressive | $1,639 | $2,115 | 29% |
| State Farm | $2,529 | $2,890 | 14% |
| Allstate | $2,314 | $3,517 | 52% |
| Auto-Owners | $2,480 | $3,604 | 45% |
| Farmers | $2,617 | $3,702 | 41% |
| Nationwide | $2,203 | $3,717 | 69% |
| GEICO | $2,345 | $3,875 | 65% |
| USAA | $1,739 | $2,608 | 50% |
How you can save on your car insurance policy
You can save an average of $2,249 annually or $187 monthly on a full coverage policy in Sioux Falls, South Dakota, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Final thoughts: Car insurance cost in Sioux Falls, South Dakota
Shopping for a new auto insurance policy when your current one is up for renewal is the best way to secure the most affordable coverage in Sioux Falls, South Dakota. Maximize your savings by taking advantage of discounts, driving a vehicle with adequate safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed February 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed February 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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