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.
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







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 |
Find affordable Sioux Falls rates
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 |
Find affordable Sioux Falls rates
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.
Quotes Analyzed
Brands Reviewed
Years Of Experience
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.