Best Sioux Falls, SD Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

The best Sioux Falls, SD auto insurance providers are State Farm, Auto-Owners, and Farmers. They offer the best combination of good coverage, customer service, and affordability.

State Farm tops the list with comprehensive coverage options and accident forgiveness benefits. Auto-Owners provide significant bundling discounts, but Farmers offers customized plans according to individual needs.

Our Top 10 Company Picks: Best Sioux Falls, SD Auto Insurance

These providers offer competitive options with various types of auto insurance coverage and monthly rates as low as $79 for every driver in Sioux Falls. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.

#1 – State Farm: Top Overall Pick

Pros

• Strong Local Presence:  State Farm boasts a strong network of agents in Sioux Falls, South Dakota, offering personalized service.
• Affordable Rates for Good Drivers: Offers competitive rates for Sioux Falls drivers with good records. Check out our State Farm auto insurance review to learn more.
• Excellent Customer Service: State Farm is famous for handling prompt claims and local South Dakota support.

Cons

• Limited Discounts: State Farm has fewer discounts than other regional providers.
• High-Risk Drivers Pay More: In South Dakota, premiums are higher for those with bad driving records.

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#2 – Auto-Owners: Best for Bundling

Pros

• Great Bundling Discounts: Offers significant savings for combining auto and home insurance in Sioux Falls, South Dakota.
• High Customer Satisfaction: Consistently receives high ratings for claims service in South Dakota.
• Local Agent Support: Strong network of agents familiar with Sioux Falls regulations and needs. Explore our Auto-Owners auto insurance review to get more details.

Cons

• Limited Online Tools: Less robust digital options for policy management compared to competitors in Sioux Falls.
• Not Available Everywhere: Coverage might not extend to rural areas outside Sioux Falls, South Dakota.

#3 – Farmers: Best for Customizable Coverage

Pros

• Flexible Policy Options: Farmers offers a wide range of add-ons and endorsements for drivers in Sioux Falls, South Dakota.
• Good Discounts: Discounts are available for safe driving, multi-policy, and more in Sioux Falls.
• Accessible Local Agents: Multiple offices in Sioux Falls for personalized assistance. Read our Farmers auto insurance review to find out more.

Cons

• Higher Premiums: Policies tend to be pricier than other insurers in South Dakota.
• Mixed Claims Experience: Some customers in Sioux Falls report slow claims processing.

#4 – Travelers: Best for Coverage Options

Pros

• Wide Coverage Options: Travelers offers specialized coverage types for Sioux Falls, South Dakota drivers.
• Good for New Cars: Offers accident forgiveness and new car replacement options in Sioux Falls. Discover our Travelers auto insurance review for further insights.
• Strong Financial Stability: Backed by a solid financial foundation, ensuring claim payouts in South Dakota.

Cons

• Average Customer Service: Travelers has received mixed reviews for claims handling in Sioux Falls.
• High Premiums for High-Risk Drivers: Rates can increase significantly for violations in South Dakota.

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#5 – Allstate: Best for Comprehensive Tools

Pros

• Robust Digital Tools: Sioux Falls drivers benefit from Allstate’s mobile app and online policy management.
• Discount Opportunities: Wide range of discounts for safe drivers, new customers, and more in South Dakota.
• Strong Claims Satisfaction: Positive reviews for claims handling and payouts in Sioux Falls. Browse our Allstate auto insurance review to gain more information.

Cons

• Expensive for Some Drivers: Rates for younger or high-risk drivers in South Dakota can be higher.
• Local Availability Variability: Service quality can depend on the specific Allstate agent in Sioux Falls.

#6 – Progressive: Best for Competitive Pricing

Pros

• Affordable Rates: Progressive is known for offering competitive premiums for drivers in Sioux Falls, South Dakota.
• Usage-Based Insurance: The Snapshot program rewards safe drivers in South Dakota. For additional details, refer to our Progressive auto insurance review.
• Great Online Experience: Offers a seamless digital platform for policy management and quotes in Sioux Falls.

Cons

• Higher Rates for Accidents: Rates can increase significantly after an at-fault accident in Sioux Falls.
• Mixed Agent Availability: Fewer local agents in Sioux Falls compared to some competitors.

#7 – Mercury: Best for Budget Drivers

Pros

• Affordable Premiums: Mercury offers some of the lowest rates for drivers in Sioux Falls, South Dakota. Visit our Mercury auto insurance review to get the full scoop.
• Focus on Essentials: Great for drivers who need basic coverage at an affordable price in Sioux Falls.
• Good Discount Options: South Dakota offers Discounts for bundling, multi-car policies, and more.

Cons

• Limited Availability: Mercury coverage is less widespread in Sioux Falls than larger insurers.
• Basic Customer Service: Lacks the personalized service level of competitors in South Dakota.

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#8 – Liberty Mutual: Best for Comprehensive Discounts

Pros

• Excellent Discounts: This company offers many savings opportunities, including military, student, and bundling discounts for Sioux Falls drivers.
• Strong Digital Tools: Easy-to-use app for policyholders in South Dakota. Please look at our Liberty Mutual auto insurance review to understand more.
• Customizable Policies: Options to tailor coverage to individual needs in Sioux Falls.

Cons

• Higher Premiums: There are higher premiums compared to other competitors for some of the South Dakota drivers.
• Inconsistent Local Support: It depends on the agent experiencing service in Sioux Falls.

#9 – The Hartford: Best for AARP Members

Pros

• For Seniors: This company specializes in plans and discounts for elder drivers in Sioux Falls, South Dakota.
• Wonderful Claims Service: Known for very hassle-free claims processing in South Dakota.
• Lifetime Renewability: Covers renewal of the policy for qualifying drivers in Sioux Falls. Consult our The Hartford auto insurance review to learn more.

Cons

• Exclusive to AARP Members: Only available to AARP members, limiting availability in Sioux Falls.
• Premiums May Be High: Costs can be higher than average for younger drivers in South Dakota.

#10 – Nationwide: Best for Broad Coverage

Pros

• Side Review: This company offers personalized policy reviews for Sioux Falls, South Dakota, drivers. For more insights, dive into our Nationwide auto insurance review.
• Good Accident Forgiveness: Helps drivers avoid premium hikes after their first at-fault accident in Sioux Falls.
• Wide Range of Coverage Options: Includes rare add-ons like vanishing deductible in South Dakota.

Cons

• Limited Local Agents: Sioux Falls has fewer offices than other major insurers.
• Higher Premiums for Specialty Coverage: Add-ons can drive up costs in South Dakota.

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Insurance Coverage Requirements in South Dakota

In Sioux Falls, Nationwide and State Farm are in a bidding war to attract customers. But remember: price isn’t everything.

Sioux Falls, SD Auto Insurance Monthly Rates by Provider & Coverage Level

You’re paying for a service, and you should do your homework before deciding which company offers the best service at a reasonable price.

Auto Insurance Discounts From the Top Providers in Sioux Falls, SD

Companies that supply South Dakota auto insurance policies evaluate various variables, including marital status, zip code, credit report, education, and theft protection devices, to determine insurance rates.

Sioux Falls, SD Report Card: Auto Insurance Premiums

In addition, premiums differ among providers. Examine cheap car insurance in South Dakota online to ensure you’re still paying the best cost.

Major Car Insurance Factors in Sioux Falls

Several factors affect your car insurance premium, determining how your rate is calculated. But not all of it is out of your control;

You can take action to influence which discounts you are eligible to acquire. Listed below are some of these elements in greater detail:

Your Zip Code

Where you park your car each night will likely significantly impact your car insurance rate. Generally, auto insurance is cheaper in rural locations simply because a lesser number of vehicles signifies a reduced chance that you’ll get into a collision with another vehicle. The population of Sioux Falls is 164,676, plus the normal household income is $51,158.

Automotive Accidents

Even though Sioux Falls is a respectable town, the rate of serious accidents in the area is thankfully low. And this is good news for more than just the obvious reasons.

Sioux Falls, SD Fatal Accidents

Insurance providers often lower their rates in cities and towns where drivers are less likely to get into a serious (and expensive) accident.

Auto Thefts in Sioux Falls

Almost all insurance companies worry about auto theft, especially motorists in larger cities.

The greater the populace, the higher the probability you will have to file an auto theft claim. In recent years, there were 264 stolen cars in Sioux Falls.

Sioux Falls, SD Auto Accident & Insurance Claim Statistics

These numbers reflect some of the highest auto theft rates in the entire state—and they’re also a sign that you might want to add Comprehensive coverage to your policy.

Your Credit Score

In some states, the difference between good and poor credit can cause fluctuations in your monthly rate. Luckily, South Dakota motorists don’t see too many drastic increases in premiums for having poor credit.

Sioux Falls, SD Auto Insurance Monthly Rates by Provider & Credit Score

Some providers in the state don’t factor in credit scores at all, which can save you big if you can get them to issue you a policy.

Your Age

The older you are, the more driving practice you have. And as they say, practice makes perfect. For this reason, insurance companies are willing to offer much cheaper premiums to older drivers.

Sioux Falls, SD Auto Insurance Monthly Rates by Provider, Age, & Gender

Teenagers and students, however, can pay an arm and a leg for their coverage without any driving education or Good Student discounts.

Read More: How to Teach Your Teen to Drive

Your Driving Record

Some driving violations are more serious than others. Depending on how your insurance company evaluates risk, you might see a 300% premium increase for a serious crime, such as a DUI, or be denied coverage in general.

Sioux Falls, SD Auto Insurance Monthly Rates by Driving Record

On the other hand, a speeding ticket or a minor accident might raise your monthly payment by only 1-2%, or even as little as 0% if they offer an accident forgiveness discount.

Your Vehicle

The more expensive your vehicle is, the more it will cost to insure. This is because you will have to (or at the very least, be strongly encouraged) to purchase a variety of coverages in sufficiently high amounts to cover every possible scenario.

Sioux Falls, SD Auto Insurance Monthly Rates by Vehicle & Coverage Level

It’s mandatory on leased vehicles. Additionally, luxury and high-end vehicles often have pricier replacement parts and repair costs, further driving up insurance premiums.

Minor Car Insurance Factors in Sioux Falls

Of course, tweaking some of the factors below, as highlighted in our ultimate road safety guide, can add up to some extra savings over time:

Your Marital Status

Finding a life partner is a beautiful thing. And bundling your auto policy with that of your spouse can add up to some beautifully low rates. You can compound the savings even more if you go with a large company offering many different types of financial services to bundle together.

Your Gender

As more statistical data shows no legitimate increase in risk between male and female drivers, many insurance providers are phasing out the practice of charging alternative rates based on gender alone. And even if you find an old-fashioned company that still does, you’re probably not paying more than 1-3% extra.

Your Driving Distance to Work

Sioux Falls is well known for delightfully short commute times. On average, the typical motorist can expect to spend between 12 and 17 minutes behind the wheel. Close to 90% of residents will get around in their automobile, while close to 8-13% will carpool.

Most people believe a strong connection exists between driving fewer miles yearly and significantly lower automobile insurance rates. There is indeed a connection, but unfortunately, it isn’t as strong as you might think. A dramatic 5,000-mile-per-year decrease may only net a 4-6% discount.

Your Coverage and Deductibles

Yes, it’s true: raising your collision or comprehensive coverage deductible can lower your monthly premiums.

However, it can be risky if you are not a very safe driver and have to file a claim (but not enough money in the bank to pay your deductible).

Education in Sioux Falls, SD

Sioux Falls is a well-educated city, with nearly 29% of residents holding a high school diploma and 20% having bachelor’s degrees, which can positively influence car insurance rates.

Has anyone established residency in South Dakota with a personal mailbox and then registered their vehicle and gotten insurance?
byu/DickieJohnson invandwellers

The city offers diverse educational opportunities, including public institutions like the USDSU system and private colleges like Augustana College and the University of Sioux Falls. Comparing auto insurance providers can simplify finding the best policy for your needs.

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How We Conducted Our Car Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.

Sources:

• South Dakota Department of Labor and Regulation – Division of Insurance
• South Dakota Department of Labor and Regulation – Division of Banking
• Department of Highway Safety and Motor Vehicles
• City-Data.com
• Census.gov

The national average for miles driven annually was used. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.