Sioux Falls Car Insurance

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


Car insurance costs an average of $1,482 per year in Sioux Falls. That's less than the average in South Dakota ($1,708) and cheaper than the national average of $1,548. Our guide to Sioux Falls auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE RATES IN SIOUX FALLS
Sioux Falls Average (per year)South Dakota AverageNational Average
$1,482$1,708$1,548

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Sioux Falls car insurance rates by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Sioux Falls, State Farm offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Sioux Falls below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


SIOUX FALLS CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
State Farm$1,035
Farmers$1,265
American Family$1,339
Progressive$1,342
Iowa Farm Bureau$1,409

Consult our expert guide to finding the best cheap car insurance.



Sioux Falls car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Sioux Falls are drivers in their age_60s, who pay an average of $1,196per year. Those in their age_50s don't pay significantly more ($1,198).

Teenage drivers pay Sioux Falls's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Sioux Falls is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Sioux Falls is $3,545, the largest such difference between any two age brackets.


SIOUX FALLS AUTO INSURANCE COSTS BY AGE
Age groupAverage Yearly Rate
Teenagers$5,452
20s$1,906
30s$1,444
40s$1,313
50s$1,198
60s$1,196
70s$1,422

Learn more about the impact of age on car insurance premiums.



Sioux Falls auto insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Sioux Falls pay $138 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Sioux Falls, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. The typical male driver in Sioux Falls pays $34 more each year for car insurance than does his female counterpart.


INSURANCE RATES IN SIOUX FALLS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,448
Male$1,482
Single$1,344
Married$1,344
Divorced$1,482
Widowed$1,433

Learn more about how gender and marital status have on insurance rates.



Sioux Falls auto insurance costs by driving history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Sioux Falls, a reckless driving citation results in an average insurance rate increase of $644 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $590 increase and a speeding ticket triggers a $255 rate hike.


AVERAGE SIOUX FALLS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DWI/DUI$2,072
Reckless Driving$2,126
At-fault Accident (damages less than $1,000)$1,891
At-fault Accident (damages greater than $2,000)$1,992
Speeding Ticket (16-20 mph over speed limit)$1,737

Learn more about how citations can raise your auto insurance rates.



Sioux Falls auto insurance rates by credit level


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Sioux Falls drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Sioux Falls, moving into the "Fair" credit tier corresponds to an average of $1,192 in savings on insurance each year.


SIOUX FALLS AUTO INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$2,977
Fair$1,785
Good$1,482
Very Good$1,346
Exceptional$1,222

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.