Cheapest Car Insurance In Rapid City, SD 2024
GEICO ranks as the most economical option in Rapid City for minimum coverage, costing an average of $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance costs in Rapid City, SD, can vary dramatically, making it important to compare your choices.
GEICO leads with the lowest prices for liability-only policies, while Progressive offers competitive full coverage rates. For young drivers, State Farm delivers the most cost-effective option.
Cheapest Car Insurance Companies In Rapid City, SD 2024
Cheapest Liability-only Car Insurance In Rapid City: Cincinnati
At an average of $37 per month, GEICO is the most affordable insurer for minimum car insurance coverage in Rapid City.
Review the table below to see how rates vary among different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Rapid City: Auto-Owners
Progressive delivers the cheapest full coverage rates in Rapid City, with an average cost of $92 a month.
See the table below for a breakdown of average car insurance quotes from budget insurers in Rapid City.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
At $87 per month on average, State Farm provides the cheapest car insurance rates for seniors in Rapid City.
This table compares average rates from the most affordable auto insurance providers for senior citizens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Rapid City For Teenagers: Nationwide
Teens in Rapid City can find the most affordable car insurance with State Farm, costing $313 a month on average.
See the table below for a breakdown of the cheapest insurance providers for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Rapid City: Travelers
State Farm leads in affordability for young adults in Rapid City, offering average monthly premiums of $238.
See the table below for a breakdown of the cheapest car insurance rates for young adults in Rapid City.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Rapid City For Good Drivers: Cincinnati
In Rapid City, good drivers can find the lowest-priced car insurance with GEICO, at around $37 per month.
The table below offers a comparison of average quotes from budget-friendly insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Rapid City rates
Cheapest Car Insurance In Rapid City After A Speeding Ticket: Auto-Owners
In Rapid City, State Farm delivers affordable rates for drivers with a speeding ticket, averaging $176 monthly.
Find average insurance rates for drivers with a speeding ticket by referring to the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers who have been in an at-fault accident, State Farm provides the lowest rates, averaging $193 per month.
These are the car insurance providers with the lowest rates for drivers who have an at-fault accident in their past.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Rapid City For Drivers After A DUI: State Farm
For drivers in Rapid City with a DUI, State Farm offers the best rates, with an average cost of $188 per month.
The following table displays the cheapest car insurance options available to Rapid City drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Rapid City
In Rapid City, AAA offers the most budget-friendly car insurance, with rates starting at $83 a month. Consider Progressive at $90 or GEICO at $93 as other affordable options.
The following table lists the top 10 auto insurance companies in Rapid City, SD, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Rapid City – By Age
Age is a major factor when it comes to car insurance costs. Teen drivers often face higher premiums because of their inexperience and the increased probability of accidents and violations. Teens typically pay about $7,599 each year for insurance.
Once drivers turn 25, they often qualify for lower insurance rates, assuming their driving record remains clean.
The most competitive insurance rates are usually available to drivers in their 50s and early 60s, with insurers using age to evaluate experience and risk, which directly affects premium pricing.
| Age | Average Yearly Rate |
| Teenagers | $1,608 |
| 20s | $1,788 |
| 30s | $1,188 |
| 40s | $1,104 |
| 50s | $804 |
| 60s | $1,020 |
| 70s | $1.032 |
Average Cost Of Auto Insurance In Rapid City – By Zip Code
Zip codes help insurers evaluate crime risks in a specific area, leading to variations in car insurance rates.
Use the table below to find the average car insurance rates for each zip code in Rapid City.
| City | Average Monthly Rate |
| 57701 | $98 |
| 57702 | $126 |
| 57703 | $106 |
How Much Is Car Insurance In Other Cities in Rapid City?
Car insurance premiums are often higher in cities due to increased risks such as accidents, vehicle theft, and vandalism, which insurers factor into their pricing.
As an example, Los Angeles residents typically pay $243 a month for car insurance, while in San Diego, the average is $176 per month.
| City | Average Monthly Rate |
| Brookings | $106 |
| Chamberlain | $58 |
| Aberdeen | $109 |
| Colman | $106 |
| Milbank | $84 |
| Aurora | $106 |
| Rapid City | $110 |
| Brandon | $129 |
| Huron | $111 |
| Chester | $103 |
Average Rates In Rapid City – By Vehicle
The make, model, year, and body type of your vehicle are all important factors in determining your insurance premiums. Newer cars, particularly high-end models with advanced technology, tend to have higher rates because of their replacement costs.
The table below lists the average insurance rates in Rapid City for different types of cars.
| Vehicle | Average Monthly Rate |
| 1996 Ford F150 | $152 |
| 2007 Toyota Camry | $119 |
| 2021 Kia Forte | $105 |
| 2007 Chrysler 300 | $84 |
| 2020 Ford Ecosport | $247 |
Find affordable Rapid City rates
Our Methodology
Through an analysis of key factors such as product variety, customer ratings, pricing, and insights from online reviews, I’ve built an in-depth picture of Rapid City's car insurance options.
Brands Reviewed
Years Of Experience
Research Hours
Quotes Analyzed
FAQs
Who has the lowest car insurance rates in Rapid City?
For Rapid City drivers seeking the least expensive coverage, GEICO provides the lowest rates for minimum coverage, and Progressive offers the best full coverage rates with comprehensive and collision insurance.
What is the average cost of car insurance in Rapid City?
Rapid City drivers can expect to pay around $180 a month for car insurance, but the cost can vary depending on your location, car details, and driving record.
