CarInsurance.com Insights
- CarInsurance.com’s research shows that Progressive and GEICO offer the lowest state minimum car insurance rates in Sioux Falls, with yearly premiums of $157 and $239, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Sioux Falls can save an average of $2,669 per year on full coverage car insurance.
- Drivers in Sioux Falls with a speeding ticket can find the cheapest full coverage car insurance with Farmers Mutual of Nebraska, at an average annual cost of $1,804.
- Progressive stands out as an affordable option for drivers with a DUI in Sioux Falls, with average full coverage cost of $1,858 per year.
Based on a detailed data analysis, Farmers Mutual of Nebraska, Progressive, and Allstate are the insurers that offer cheap full coverage car insurance rates for drivers in Sioux Falls, South Dakota.
In Sioux Falls, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $405. If you upgrade to full coverage, the cost increases to $2,478.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Sioux Falls.
Who offers the cheapest car insurance rates in Sioux Falls, South Dakota?
Progressive offers cheap car insurance rates in Sioux Falls at an average annual cost of $157 or $13 per month for state minimum coverage. On the other hand, Farmers Mutual of Nebraska has the most affordable full coverage car insurance rates at $125 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Sioux Falls drivers.
| Insurance company | Annual premium |
|---|---|
| Farmers Mutual of Nebraska | $1,495 |
| Progressive | $1,563 |
| Allstate | $2,293 |
| State Farm | $2,293 |
| Nationwide | $2,302 |
| GEICO | $2,362 |
| Auto-Owners | $2,443 |
| Farmers | $2,745 |
| North Star Mutual | $3,115 |
| Iowa Farm Bureau | $4,164 |
Average car insurance rates in Sioux Falls
According to our rate analysis, state minimum coverage in Sioux Falls costs an average of $405 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $3 and your yearly premium by $36.
For full coverage (100/300/100 with $500 collision and comprehensive deductibles), you can expect to pay $172 more per month or $2,073 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| Coverage type | Annual premium |
|---|---|
| State Minimum BI/PD | $405 |
| Liability Only – 50/100/50 BI/PD | $441 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $2,478 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,778 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,073 |
| Non-Owners | $183 |
Cheapest rates for drivers in Sioux Falls, South Dakota, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Farmers Mutual of Nebraska | $3,099 |
| Young Adults (20-24) | Progressive | $1,882 |
| Adults (25-60) | Farmers Mutual of Nebraska | $1,432 |
| Seniors (65-75) | Progressive | $1,047 |
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Cheapest car insurance rates for Sioux Falls drivers after a speeding ticket
According to our data analysis, Farmers Mutual of Nebraska offers the cheapest car insurance rates for drivers in Sioux Falls with speeding tickets, at an average annual cost of $1,804 or $150 per month. Progressive and State Farm also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums for Sioux Falls drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) | $ Increase |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $1,495 | $1,804 | 21% | $309 |
| Progressive | $1,563 | $2,085 | 33% | $522 |
| State Farm | $2,293 | $2,420 | 6% | $127 |
| Allstate | $2,293 | $2,478 | 8% | $185 |
| GEICO | $2,362 | $2,616 | 11% | $254 |
| Auto-Owners | $2,443 | $3,461 | 42% | $1,018 |
| Farmers | $2,745 | $3,516 | 28% | $771 |
| North Star Mutual | $3,115 | $3,608 | 16% | $493 |
| Nationwide | $2,302 | $4,175 | 81% | $1,873 |
| Iowa Farm Bureau | $4,164 | $6,096 | 46% | $1,932 |
Cheap car insurance for drivers with a DUI in Sioux Falls
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, Progressive, State Farm and Farmers Mutual of Nebraska offer lower rates for high-risk drivers in Sioux Falls.
The table below shows car insurance providers in Sioux Falls that offer affordable coverage after a DUI conviction.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Progressive | $1,563 | $1,858 | 19% |
| State Farm | $2,293 | $2,420 | 6% |
| Farmers Mutual of Nebraska | $1,495 | $2,988 | 100% |
| Farmers | $2,745 | $3,626 | 32% |
| Allstate | $2,293 | $3,783 | 65% |
| Auto-Owners | $2,443 | $4,524 | 85% |
| Nationwide | $2,302 | $5,709 | 148% |
| GEICO | $2,362 | $7,372 | 212% |
| Iowa Farm Bureau | $4,164 | $8,789 | 111% |
| North Star Mutual | $3,115 | $9,807 | 215% |
Affordable car insurers for Sioux Falls drivers after an at-fault accident
An at-fault accident in Sioux Falls can lead to higher car insurance rates, but don’t worry – some insurers offer affordable car insurance rates. In Sioux Falls, Farmers Mutual of Nebraska offers the cheapest car insurance rates for drivers with an accident on their records. Other insurers that offer affordable premiums include Progressive and State Farm.
The table below shows affordable auto insurance options for drivers in Sioux Falls with a history of at-fault accidents.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Farmers Mutual of Nebraska | $1,495 | $2,063 | 38% |
| Progressive | $1,563 | $2,326 | 49% |
| State Farm | $2,293 | $2,562 | 12% |
| Allstate | $2,293 | $3,353 | 46% |
| Auto-Owners | $2,443 | $3,435 | 41% |
| Farmers | $2,745 | $3,769 | 37% |
| GEICO | $2,362 | $3,914 | 66% |
| Nationwide | $2,302 | $4,158 | 81% |
| North Star Mutual | $3,115 | $5,550 | 78% |
| Iowa Farm Bureau | $4,164 | $6,382 | 53% |
Compare car insurance quotes in Sioux Falls: How to save on an insurance policy?
You can save an average of $2,669 annually or $222 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 at renewal time is the best way to ensure you have the cheapest car insurance in Sioux Falls, South Dakota. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed July 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed July 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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