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Car Insurance Quotes in Sioux Falls, SD

Full coverage / year
$1,990
State minimum / year
$419
Typical quote range
$1,413 – $2,747

The estimated cost of full coverage car insurance in Sioux Falls is $1,990 a year, against $419 for a state-minimum policy. That sits about 8% above the South Dakota average, which is what you would expect from steady commuter traffic and a moderate claim frequency. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Sioux Falls, SD

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$166/ month
$1,990 per year · carriers in Sioux Falls, SD typically quote $1,413 – $2,747
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Sioux Falls, SD

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,512$126-24%Military members and families only
Geico$1,632$136-18%Usually cheapest for clean records
State Farm$1,751$146-12%Strong for young and student drivers
Progressive$1,891$158-5%Competitive after a ticket or accident
Travelers$1,930$161-3%Good multi-policy discounts
Nationwide$1,990$1660%Mid-market, wide availability
Allstate$2,269$189+14%Higher base rate, heavy discount stacking
Farmers$2,408$201+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Sioux Falls, SD. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Sioux Falls

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,376$1,132$448
18 years old$4,535$955$378
20 years old$3,755$791$313
22 years old$3,119$657$260
25 years old$2,380$501$198
30 years old$2,052$432$171
40 years old$1,929$406$161
50 years old$1,847$389$154
60 years old$1,826$384$152
65 years old$1,908$402$159
70 years old$2,093$441$174
75 years old$2,442$514$203

Estimated premiums by age in Sioux Falls, SD, clean record, sedan.

What a ticket, accident or DUI costs in Sioux Falls

Driving recordEst. annualIncrease
Clean record$1,990—
1 speeding ticket$2,448+23%
1 at-fault accident$2,926+47%
DUI / DWI$3,762+89%

What a violation costs a 35-year-old in Sioux Falls, SD. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in South Dakota

Every driver registering a vehicle in South Dakota must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the South Dakota Department of Insurance.

Required coverage in South DakotaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
Uninsured/underinsured 25/50Required
Insurance systemAt-fault (tort)

Coverage levels compared in Sioux Falls

Coverage levelEst. annualEst. monthly
State minimum liability$419$35
Full coverage (100/300/100 + comp & collision)$1,990$166
Full coverage, high limits + low deductible$2,369$197

Coverage level comparison for Sioux Falls, SD.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Sioux Falls

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Sioux Falls covers 57101, 57103, 57104, 57105, 57106, 57107 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Sioux Falls, SD?
Full coverage in Sioux Falls is estimated at $1,990 a year ($166 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $419 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in South Dakota?
South Dakota requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus uninsured/underinsured 25/50. South Dakota is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Sioux Falls?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Sioux Falls for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Sioux Falls?
An 18-year-old in Sioux Falls is estimated at $4,535 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Sioux Falls?
A DUI takes the estimate from $1,990 to about $3,762 a year in Sioux Falls, an increase of roughly 89%. South Dakota drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Sioux Falls?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

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Comparing more of South Dakota? See every South Dakota city we price or read the cheap car insurance guide for Sioux Falls.