Cheapest Car Insurance In Sioux Falls, SD 2025

Drivers in Sioux Falls can rely on Farmers Mutual of Nebraska for the lowest rates on minimum car insurance coverage, averaging $25 monthly.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 14 January 2025
Written by Bob Phillips
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If you’re hunting for the cheapest car insurance in Sioux Falls, SD, you’ll see that prices can vary widely.

For low-cost liability-only policies, Farmers Mutual of Nebraska is a standout. American Family is the leader in full coverage affordability, with American Family still offering the best rates for young motorists.

Cheapest Car Insurance Companies In Sioux Falls, SD 2025

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Cheapest For Minimum Coverage - Farmers Mutual of Nebraska
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Cheapest For Full Coverage - American Family
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Cheapest For Seniors - Farmers Mutual of Nebraska
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Cheapest For Young Drivers - American Family
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Cheapest For Drivers With Prior Incidents - Farmers Mutual of Nebraska
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Cheapest For Good Drivers - Farmers Mutual of Nebraska
Cheapest Car Insurance, Sioux Falls, 2025

Cheapest Full Coverage Insurance Rates In Sioux Falls: American Family

Auto-Full coverage car insurance from American Family costs an average of $56 a month in Sioux Falls, making it the most affordable option.

The table below offers a comparison of the average rates from affordable auto insurance providers in Sioux Falls.

Provider Average Monthly Cost Average Annual Cost
American Family $56 $672
Auto-Owners $61 $732
Kemper $63 $756
State Farm $92 $1,104
Farmers Mutual of Nebraska $64 $768

Cheapest Liability-only Car Insurance In Sioux Falls: Farmers Mutual of Nebraska

At just $25 per month on average, Farmers Mutual of Nebraska provides the most affordable minimum coverage car insurance in Sioux Falls.

The following table compares the rates from different insurance companies.

Provider Average Monthly Cost Average Annual Cost
Farmers Mutual of Nebraska $25 $300
State Farm $37 $444
American Family $27 $324
Auto-Owners $36 $432
Western National $39 $468

Cheapest Rates In Sioux Falls For Teenagers: Allstate

Allstate offers the most competitive rates for teenage drivers in Sioux Falls, with average premiums of $92 a month.

This table compares the cheapest insurance options for teenage drivers.

Provider Average Monthly Cost Average Annual Cost
Allstate $92 $1,104
State Farm $163 $1,956
Kemper $181 $2,172
Progressive $235 $2,820
Nationwide $113 $1,356

Cheapest Car Insurance Rates For Seniors: Farmers Mutual of Nebraska

At an average of $41 per month, Farmers Mutual of Nebraska offers the most affordable car insurance for seniors in Sioux Falls.

The table below highlights the average quotes from senior-friendly, low-cost auto insurers.

Provider Average Monthly Cost Average Annual Cost
Farmers Mutual of Nebraska $41 $492
State Farm $60 $720
American Family $44 $528
Kemper $42 $504
GEICO $62 $744

Cheapest Auto Insurance For Young Adults in Sioux Falls: American Family

For young adults in Sioux Falls, American Family is the most cost-effective option, with monthly premiums averaging $49.

Below is a table comparing the most affordable auto insurance options for young adults in Sioux Falls.

Provider Average Monthly Cost Average Annual Cost
American Family $49 $588
State Farm $80 $960
Kemper $64 $768
Auto-Owners $79 $948
GEICO $84 $1,008

Cheapest Car Insurance In Sioux Falls For Good Drivers: Farmers Mutual of Nebraska

At $25 a month, Farmers Mutual of Nebraska provides the most economical car insurance for good drivers in Sioux Falls.

The following table shows average quotes from affordable insurance providers for drivers with a clean record.

Provider Average Monthly Cost Average Annual Cost
Farmers Mutual of Nebraska $25 $300
State Farm $37 $444
American Family $27 $324
Auto-Owners $36 $432
Western National $39 $468

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Cheapest Car Insurance In Sioux Falls After A Speeding Ticket: Farmers Mutual of Nebraska

Drivers with a speeding ticket in Sioux Falls can save with Farmers Mutual of Nebraska, which offers average rates of $29 per month.

The following table lists the average rates for drivers who have received a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
Farmers Mutual of Nebraska $29 $348
State Farm $41 $492
Kemper $35 $420
Western National $32 $384
American Family $36 $432

Cheapest For Drivers With After At-Fault Accident: Western National

With an average monthly rate of $33, Western National provides the cheapest car insurance for drivers with an at-fault incident.

Here’s a list of the cheapest insurance providers for drivers who’ve had an at-fault accident.

Provider Average Monthly Cost Average Annual Cost
Western National $33 $396
American Family $35 $420
State Farm $44 $528
Kemper $43 $516
Farmers Mutual of Nebraska $34 $408

Cheapest Rates In Sioux Falls For Drivers After A DUI: American Family

In Sioux Falls, American Family provides the lowest car insurance premiums for drivers after a DUI, with an average rate of $35 per month.

Below is a table comparing the cheapest rates for Sioux Falls drivers with a DUI on their record.

Provider Average Monthly Cost Average Annual Cost
American Family $35 $420
Progressive $41 $492
State Farm $42 $504
Farmers Mutual of Nebraska $48 $576
Western National $36 $432

Best Car Insurance Companies In Sioux Falls

For the lowest rates in Sioux Falls, consider Farmers Mutual of Nebraska at $25 a month, or check out State Farm at $37 and American Family at $27 monthly.

Here are the top 10 car insurance providers in Sioux Falls, SD, sorted by the average monthly cost of their policies.

Company Monthly Premium
Farmers Mutual of Nebraska $25
State Farm $37
American Family $27
Auto-Owners $36
Western National $39
Kemper $28
GEICO $38
Progressive $36

Average Rates In Sioux Falls – By Vehicle

Insurance premiums are affected by the type of vehicle you drive, including factors like make, model, and year. Luxury cars with costly repairs and advanced technology often come with higher insurance rates.

Use the table below to see average car insurance rates for different vehicles in Sioux Falls.

Vehicle Average Monthly Rate
Ford Fusion $115
Lexus RX $129
Mistubishi Lancer $160
Ford F150 $97
Kia Forte $140

Average Auto Insurance Rates In Sioux Falls – By Age

Younger drivers tend to have higher car insurance premiums because of their inexperience and greater likelihood of accidents. Teen drivers usually pay about $2,730 annually for their coverage.

Once drivers turn 25, their car insurance rates generally decrease, provided they have maintained a clean driving record.

The most favorable insurance rates are often available to drivers in their 50s and early 60s, as their age reflects a combination of experience and a lower likelihood of accidents.

Age Average Yearly Rate
Teenagers $2,730
20s $960
30s $740
40s $660
50s $610
60s $620
70s $720

Average Cost Of Auto Insurance In Sioux Falls – By Zip Code

Car insurance premiums are influenced by your zip code because insurers consider local crime rates when setting prices.

Below is a table showing average car insurance rates for different zip codes in Sioux Falls.

Zip Code Average Monthly Rate
57103 $113
57105 $135
57108 $116
57015 $90
57106 $120

How Much Is Car Insurance In Other Cities in South Dakota?

Cities with higher accident, theft, and vandalism rates typically result in higher car insurance premiums. Where you live plays a key role in determining your rates.

In Chamberlain, drivers pay an average of $176 each month for car insurance, while Chester residents pay about $103.

City Average Monthly Rate
Brookings $150
Chamberlain $176
Aberdeen $155
Colton $160
Milbank $158
Aurora $152
Ashton $165
Brandon $152
Huron $164
Chester $103

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Our Methodology

After evaluating customer service, pricing, product variety, and online reviews, I’ve provided a comprehensive look at the car insurance landscape in Sioux Falls, SD.

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Quotes Analyzed

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Brands Reviewed

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Years Of Experience

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Research Hours

FAQs

Who has the lowest car insurance rates in Sioux Falls?

If you’re looking for minimum coverage in Sioux Falls, Farmers Mutual of Nebraska offers the lowest rates, while American Family provides the best pricing for full coverage, which includes comprehensive and collision options.

What is the average cost of car insurance in Sioux Falls?

Car insurance in Sioux Falls averages $120 per month, but your rate could change based on your zip code, car type, and driving history.

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