Cheapest Car Insurance Rates in Sioux Falls SD

4 Steps of Insurance Claims Process After an Accident in South Dakota

1. Step 1: Contact Your Insurance Company. After an accident in Sioux Falls SD, the first step you should take is to contact your insurance company as soon as possible. Be sure to provide them with all of the necessary information about the accident, such as date and location of the incident, details of any damage or injuries sustained, and contact information for any other involved parties.
2. Step 2: File a Claim. Depending on your policy's coverage limits and deductibles, you may be required to file a claim in order to receive compensation for repairs or medical bills. South Dakota requires that all claims forms be completed accurately and completely before submission.
3. Step 3: Gather Documentation & Estimate Costs. In South Dakota, it is important to provide your insurance company with all necessary documentation related to the accident. This includes pictures of any damage, receipts for medical expenses, and estimates from repair shops.
4. Step 4: Review & Finalize Claims Process. South Dakota requires that both parties involved in an accident review the claim before it is finalized. Once the claim has been reviewed and accepted by both sides, you will receive compensation based on your policy's coverage limits and deductibles. It is important to keep any records or paperwork related to the claim until everything has been settled.

20 Most Expensive Automobiles to Insure in South Dakota

When it comes to Sioux Falls, the cost of car insurance can vary significantly depending on factors such as age, driving record, and type of vehicle. It is important to consider these factors when selecting a car to purchase in South Dakota. Here we have compiled a list of the 20 most expensive cars to insure in South Dakota.

1. BMW M5 - The BMW M5 is known for its performance and luxurious features, but also its high insurance costs. In South Dakota, this sports sedan can cost up to $2,700 annually or more to insure.
2. Mercedes-Benz S-Class - This luxury sedan has all the bells and whistles that come with a premium price tag-and unfortunately, a high insurance rate in South Dakota. The average cost of insuring this vehicle is roughly $2,500 per year.
3. Porsche 911 - The iconic Porsche 911 can reach an annual insurance cost of over $2,400 in South Dakota depending on the model and other factors.
4. Mercedes-Benz E-Class - South Dakotans who choose to go with a slightly more affordable option than the S-Class can expect to pay around $2,000 per year in car insurance premiums for their E-Class sedan.
5. Audi A6 - This German sports sedan has an impressive design, but also comes with higher insurance costs if you decide to purchase one in South Dakota-typically around $1,950 annually.
6. BMW 7 Series - South Dakotan drivers who choose a BMW 7 Series can expect to pay on average around $1,900 per year in insurance premiums.
7. Audi A8 - This large luxury sedan typically carries an annual insurance premium of roughly $1,850 in South Dakota.
8. Mercedes-Benz CLS-Class - South Dakotans looking for a sleek and stylish vehicle should consider the CLS-Class from Mercedes-Benz-just be prepared to pay up to $1,800 per year for insurance coverage in South Dakota.
9. Lexus LS Sedan - The Lexus LS is known for its luxurious features and quality craftsmanship, but South Dakota drivers should expect to pay an average of $1,800 per year in insurance premiums for this vehicle.
10. Mercedes-Benz CL-Class - South Dakotan drivers can expect to shell out around $1,750 annually in insurance premiums if they choose a CL-Class from Mercedes-Benz.
11. BMW 6 Series - South Dakota residents who have the BMW 6 Series in their sights should factor in the cost of insuring it-which can be as much as $1,700 per year depending on the model and other variables.
12. Audi A7 - South Dakotans looking for a unique luxury vehicle experience might want to consider an Audi A7-but be prepared to foot the bill for an annual insurance rate of around $1,650.
13. Lexus GS Sedan - South Dakota drivers who opt for a Lexus GS sedan can expect to pay up to $1,600 per year in car insurance premiums depending on various factors.
14. BMW 5 Series - This popular sports sedan carries with it an average annual insurance premium of roughly $1,550 in South Dakota.
15. Jaguar XJ - South Dakotans who want a high-end luxury vehicle should consider the Jaguar XJ-but they should also expect to pay up to $1,500 annually in insurance premiums.
16. Mercedes-Benz SL-Class - South Dakota drivers who choose the SL-Class from Mercedes-Benz can expect to pay around $1,400 per year in insurance premiums.
17. Lexus IS Sedan - This luxury sedan carries an average annual insurance premium of roughly $1,350 in South Dakota.
18. Infiniti Q70 - South Dakotans who have their heart set on an Infiniti Q70 should factor in the cost of insuring it-which is typically around $1,300 annually.
19. Cadillac XTS - South Dakota residents looking for a stylish and luxurious car should consider the Cadillac XTS-but they should also be prepared to pay up to $1,250 in annual insurance premiums for this vehicle.
20. Audi A4 - South Dakotans who choose to go with the Audi A4 should expect to pay an average of $1,200 per year in car insurance premiums for their ride.

In South Dakota, it's important for Sioux Falls drivers to research the potential insurance costs associated with a new or used vehicle before making a purchase-as premiums can vary greatly depending on the make, model and other factors. Knowing which vehicles will cost more to insure can help South Dakota drivers budget accordingly and plan ahead for any potential financial surprises down the road.

20 Cheapest Vehicles to Insure in South Dakota

South Dakota drivers are known for their safety-conscious driving, which means auto insurance rates in South Dakota tend to be some of the lowest in the nation. With that said, Sioux Falls drivers also have plenty of options when it comes to finding the cheapest vehicles to insure in South Dakota. From compact sedans to mid-size SUVs, here are 20 of the cheapest vehicles to insure in South Dakota:

1. Honda Civic - This popular sedan is a favorite among South Dakotans looking for an affordable and reliable vehicle with low insurance costs.
2. Toyota Corolla - Another great option from Toyota that offers excellent fuel economy and low insurance rates.
3. Ford Focus - The economical Ford Focus is a great choice for South Dakota drivers looking to save money on insurance.
4. Chevrolet Cruze - This midsize sedan offers plenty of room and great safety features, making it one of the most affordable vehicles to insure in South Dakota.
5. Subaru Forester - South Dakota drivers love this reliable SUV, which has low insurance costs and excellent off-road capabilities.
6. Honda CR-V - This well-equipped crossover SUV is popular among South Dakotans who need a vehicle with plenty of cargo space and good fuel economy at an affordable price point.
7. Toyota RAV4 - Another great option from Toyota that provides South Dakotan drivers with low insurance rates and fantastic off-road performance.
8. Hyundai Elantra - This fuel-efficient sedan is a great option for South Dakota drivers who want reliable and low insurance costs.
9. Volkswagen Jetta - South Dakotans looking for a sporty vehicle that won't break the bank will appreciate the affordability of this sedan with its excellent safety ratings.
10. Kia Optima - South Dakota drivers will be pleased to know that this midsize sedan offers plenty of room and good fuel economy at an affordable price point with low insurance rates.
11. Chevrolet Malibu - This mid-size sedan provides South Dakotan drivers with plenty of legroom and good fuel efficiency while still maintaining an affordable auto insurance rate.
12. Honda Odyssey - South Dakota drivers who need a family-friendly vehicle that won't break the bank will appreciate this minivan, which has great safety features and low insurance costs.
13. Nissan Altima - South Dakotans looking for an affordable sedan with plenty of room should consider the Nissan Altima, which offers good fuel economy and low insurance rates.
14. Ford Fusion - South Dakota drivers in search of a stylish midsize sedan that won't cost too much to insure will appreciate the affordability of this popular model from Ford.
15. Hyundai Santa Fe - South Dakota drivers seeking a reliable SUV with plenty of cargo space at an affordable price point should consider the Hyundai Santa Fe.
16. Subaru Outback - South Dakotans who need a reliable and affordable SUV with great off-road performance will appreciate this model from Subaru, which has low insurance costs.
17. Toyota Highlander - South Dakota drivers looking for a dependable midsize SUV that won't cost too much to insure should look no further than the Toyota Highlander.
18. Kia Soul - South Dakotans who are looking for an affordable and fuel-efficient crossover SUV should check out the Kia Soul, which has excellent safety features and low insurance rates.
19. Honda Pilot - South Dakotan drivers in search of an economical large SUV that won't break the bank should consider the Honda Pilot, which has low insurance costs and plenty of cargo space.
20. Chevrolet Tahoe - South Dakotans looking for a dependable large SUV that won't cost too much to insure should look no further than the Chevrolet Tahoe, which offers good safety features and great off-road capabilities.

4 Benefits of Adding Someone to Your Auto Insurance Policy in South Dakota

Auto insurance is an important purchase for any Sioux Falls resident looking to get behind the wheel. Whether you're a new driver or have been driving for years, there are many benefits of adding someone to your auto insurance policy. Here are four reasons why South Dakotans should consider adding another person to their auto insurance policy:

1. Lower Premiums - Adding another person to your auto insurance policy can often result in lower premiums. This is because when two people are sharing the cost of coverage, it helps to spread out the risk and costs associated with driving across both parties.
2. Pooled Resources - When two people share an auto insurance policy, they can pool resources and manage the costs more efficiently. This can be especially beneficial if one partner has a bad driving record, as the other partner can help to offset the higher premiums that may come with it.
3. Emergency Backup - Having someone else on your Sioux Falls auto insurance policy also provides an emergency backup in case of an accident or breakdown. If you are ever stranded on the side of the road and need assistance, having another person insured alongside you can make all the difference.
4. Peace of Mind - Most importantly, adding someone to your auto insurance policy in South Dakota gives both parties peace of mind knowing they are covered and protected while out on the roads. No matter what happens, they have the security and assurance that their coverage will be there when they need it most.

Cost of Car Insurance in 6 Different Age Groups in South Dakota

In Sioux Falls, car insurance rates depend on a variety of factors including age, driving history, and the type of vehicle you drive. Rates for South Dakotans can vary greatly depending on where they live in the state, as well as their age. To help Sioux Falls residents better understand the cost of car insurance coverage in South Dakota, we have compiled auto insurance rates for six different age groups across South Dakota.

For drivers between 21-25 years old, South Dakota requires minimum liability limits of $25000/$50 000/$25 000 with an average annual premium of $945. For those aged 26-30 years old, the required minimums remain at $25000/$50 000/$25 000 and the average annual premium is $907. Drivers between 31-35 years old have an average annual premium of $863 and South Dakota requires minimum liability limits of $25000/$50 000/$25 000.

Drivers aged 36-40 paying for South Dakota auto insurance have an average annual premium of $819 with a required minimum of $25000/$50 000/$25 000. For South Dakotans who are 41-45, the state requires a minimum liability limit of $25000/$50 000/$30 000 and the average annual premium is $780. Last but not least, South Dakotans aged 46-55 have an average annual premium of $744, while South Dakota requires a minimum liability of $25000/$50 000/$30 000.

These South Dakota auto insurance rates are an average for each age group and may not reflect the actual rate you will receive. It is important to shop around for car insurance coverage in South Dakota to ensure you get the best rate and coverage available. Be sure to compare quotes from multiple carriers and make sure to let them know about any discounts or driving courses that have been completed, as these can often result in lower premiums.

5 Driving Violations That Require High Risk Insurance South Dakota

Sioux Falls drivers must be aware of the penalties associated with certain driving offenses. Driving too fast, using a cell phone while driving, and operating a vehicle without insurance are all violations that could require South Dakotans to carry high-risk auto insurance. Here's a look at five common South Dakota driving offenses that may result in higher car insurance premiums:

1. Speeding - South Dakota enforces strict speed limits on state highways and local roads. Exceeding the posted limit by 10 miles an hour or more can result in hefty fines as well as license suspension or even jail time for repeat offenders. Sioux Falls drivers who receive a speeding ticket also face higher car insurance premiums since it is considered an act of negligence behind the wheel.
2. Reckless Driving - South Dakota defines reckless driving as a willful or wanton disregard for the safety of other people and property when operating a motor vehicle. This can involve excessive speeding, weaving in and out of traffic, running red lights, or any other behavior that could put others on the road at risk. South Dakota takes recklessness very seriously; it is punishable by fines up to $1000 and/or up to 30 days in jail. The offense also requires drivers to carry high-risk insurance.
3. DUI/DWI - South Dakota has strict laws against Driving Under the Influence (DUI) and Driving While Impaired (DWI). Any driver found with a blood alcohol concentration (BAC) of .08 or higher is considered legally intoxicated and will face severe penalties. Those caught driving drunk can lose their license for up to a year, receive hefty fines, and may be required to purchase high-risk car insurance.
4. No Insurance - South Dakota requires all drivers to carry at least the state minimum in auto liability coverage. Failing to do so can lead to license suspension, reinstatement fees, and high-risk insurance requirements. South Dakotans who are found driving uninsured could also face hefty fines between $54 and $200 depending on the number of violations committed previously.
5. Distracted Driving - South Dakota prohibits any form of distracted driving which includes texting while behind the wheel, eating or drinking during operation, and any other activity that could cause a driver to lose focus on the road. South Dakotans who are caught using their cell phone while driving or engaging in any other form of distracted behavior can face fines up to $100 as well as higher insurance premiums.

Top 8 Car Insurance Companies by Least to Most Expensive in South Dakota

Sioux Falls drivers are looking for the best car insurance rates to protect their vehicles. To help make this search easier, we have put together a list of the top 8 car insurance companies in South Dakota, ranked from least to most expensive.

1. American Family Insurance - American Family Insurance offers South Dakotans competitive rates and a wide range of coverage options. They also provide an online customer service center and mobile app to make filing claims and accessing policy information easy and convenient.
2. State Farm - South Dakota drivers can count on one of the nation's largest insurers, State Farm, for quality coverage at affordable rates. Customers can even receive rewards programs if they install telematics devices that measure their driving habits.
3. GEICO - South Dakota drivers can obtain comprehensive coverage at low prices through Geico. This company also offers a mobile app that makes it easy to file claims and access policy information on the go.
4. Farmers Insurance - South Dakotans who prefer to work with an agent in person can turn to Farmers Insurance for reliable coverage at competitive rates. Customers can also get discounts if they bundle their auto insurance with other policies like homeowners insurance or life insurance.
5. Progressive - South Dakota drivers who need more than just basic liability coverage can find it at Progressive, which offers additional protections such as rental car reimbursement and roadside assistance plans. Additionally, customers can take advantage of the “Name Your Price” tool to find the right coverage for their budget.
6. Nationwide - South Dakota drivers can access coverage options and discounts through Nationwide, which offers an innovative usage-based insurance program called SmartRide that rewards customers with lower rates when they maintain safe driving habits.
7. Allstate - South Dakotans who want a more personalized car insurance experience can choose Allstate, which has local agents throughout the state. Customers also have access to a wide range of discounts and additional coverage options such as accident forgiveness and new car replacement.
8. USAA - South Dakota residents who are military service members or veterans qualify for USAA's low-cost auto insurance policies, which offer some of the most competitive rates in South Dakota.

These are the top 8 car insurance companies in South Dakota, ranked from least to most expensive. Sioux Falls drivers should compare quotes from different insurers and take advantage of discounts available to find the best option for their needs.

15 Interesting Driving Statistics in South Dakota

South Dakota is a great place for drivers to explore and enjoy the state's natural beauty. Consider these 15 interesting South Dakota driving statistics:

1. South Dakota has nearly 28,000 miles of public roads.
2. South Dakota's fatal crash rate per 100 million vehicle miles traveled was 1.04 in 2019 (the national average was 1.13).
3. South Dakotans average 26 minutes of commute time each day, making it one of the shortest commute times nationally.
4. South Dakota's DUI rate per 10,000 residents is lower than most other states — 6 compared to 9 nationally in 2018.
5. South Dakotans fill up their tanks with less expensive gas than most other states — South Dakota's average of $2.44 per gallon was lower than the national average of $2.72 in 2019.
6. South Dakota has a seat belt law that requires adult occupants to be buckled up, though enforcement is solely by visual warning and not tickets or fines.
7. South Dakotans who drive beyond the posted speed limit can expect similar risks as other states with an increase in crash risk associated with higher speeds — South Dakota's speed-related fatality rate is 1.17, which is slightly better than the U.S. average of 1.18 for 2019 but still higher than all neighboring states except Nebraska (1.41).
8. South Dakota has a texting and driving law that bans drivers from using any device to read or write text messages while driving.
9. South Dakota requires all motorcycle riders age 17 and under to wear helmets that meet U.S. Department of Transportation standards, but older riders are not required to do so by the state's helmet law.
10. South Dakota allows its police officers to stop any vehicle for a brief traffic check if they have reasonable suspicion that there is an infraction or violation of the law being committed, or when directed by their supervisor in certain cases of emergency conditions or specific instances such as drug interdiction programs.
11. South Dakotans can receive a driver's license when they turn 16 years old, though they must complete a driver's education course and pass the written and driving tests.
12. South Dakota requires vehicles over 10,000 lbs to have annual safety inspections, and all vehicles must be inspected for emissions every two years in certain South Dakota counties.
13. South Dakota has implemented an ignition interlock law that requires drivers with a DUI conviction to install an ignition interlock device on their vehicle in order to regain their full driving privileges.
14. South Dakotans who drive commercial motor vehicles (CMVs) must obtain a South Dakota Commercial Driver's License if they wish to operate CMVs within South Dakota borders or any of its bordering states.
15. South Dakota requires drivers to carry liability insurance to cover the costs of any property damage or bodily injury caused by their vehicle in an accident, with minimum coverage of $25,000 for motorist injury/death and $50,000 total per accident. South Dakotans can find more information about South Dakota driving laws and regulations on the South Dakota Department of Public Safety website.  With these 15 interesting South Dakota driving statistics in mind, drivers can confidently explore all South Dakota has to offer. 

FAQ Section

⭐ What is the average car insurance rate in Sioux Falls South Dakota?

The average rate for Sioux Falls is $985. Look for discounts to make this even more affordable.

⭐ What is the minimum coverage required in Sioux Falls SD?

In Sioux Falls South Dakota, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $25,000 of coverage for property damage.

⭐ How much is car insurance typically for 2 vehicles in Sioux Falls SD?

Average cost for two vehicles in Sioux Falls is $1872. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.

⭐ How can I get cheap car insurance in Sioux Falls SD?

To get low cost car insurance in Sioux Falls, SD, simply fill out the form above and compare quotes then pick the best one.

Last Updated: 03/04/2023