For a 40-year-old driver with a clean record, car insurance in Rapid City, SD, averages about $226 a month ($2,715 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 16% above the South Dakota average of $194 a month. Farmers Mutual of Nebraska has the lowest full-coverage average among insurers anyone can buy from in our Rapid City table, at about $142 a month.
Rapid City is the fifth-most expensive of the 26 South Dakota cities and towns in our city table, and our benchmark driver pays about $32 a month more here than the South Dakota average. Western South Dakota costs more in our data: the 11 ZIP codes we price west of the Missouri River, from Rapid City and the Black Hills to Pine Ridge, average about $228 a month, compared with $178 across the 23 east of the river.
Before you compare car insurance quotes in Rapid City, SD, check your ZIP code: our figures cover three ZIP codes with a Rapid City mailing address, from about $223 a month in 57703, on the east side, to $230 in 57702, on the west side.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Rapid City ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Car insurance in Rapid City, SD, costs about $226 a month ($2,715 a year) for full coverage and $31 a month for liability-only coverage at South Dakota’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 16% above the South Dakota average of $194 a month.
Farmers Mutual of Nebraska has the lowest full-coverage average among insurers anyone can buy from in our Rapid City table. USAA, which sells only to military members, veterans and their families, comes in lower in our table, at about $137 a month. The seven published 2026 statewide South Dakota rate studies we reviewed split on the cheapest insurer for full coverage, apart from USAA: three put Farmers Mutual of Nebraska first, three Progressive and one State Farm. For liability-only coverage at 25/50/25 limits, averages run from about $18 to $45 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Rapid City
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $348 | $29 | $1,699 | $142 |
| State Farm | $362 | $30 | $1,980 | $165 |
| Progressive | $214 | $18 | $2,132 | $178 |
| North Star Mutual | $424 | $35 | $3,862 | $322 |
| American Family | $539 | $45 | $3,901 | $325 |
| USAA (military families)* | $327 | $27 | $1,648 | $137 |
| Allstate* | $644 | $54 | $2,403 | $200 |
| Nationwide* | $673 | $56 | $2,479 | $207 |
| GEICO* | $345 | $29 | $2,618 | $218 |
| Rapid City average | $377 | $31 | $2,715 | $226 |
This table uses Rapid City ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the three Rapid City ZIP codes we price, full coverage for our driver ranges from about $223 a month in 57703 to $230 in 57702, a gap of $88 a year. 57701, the ZIP code closest to downtown, averages about $226 a month, close to the city average.
Lowest-priced Rapid City ZIP code
Highest-priced Rapid City ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Rapid City’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 57701 | $382 | $32 | $2,713 | $226 | About average |
| 57702 | $376 | $31 | $2,760 | $230 | +2% |
| 57703 | $374 | $31 | $2,672 | $223 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $75 a year on average in our Rapid City data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Rapid City ZIP codes, their full-coverage average fell from $2,456 a year nine months earlier to $2,428 in rates as of Aug. 31, 2026, a 1.1% drop. Progressive cut its Rapid City average 5.6%, while State Farm raised its average 0.7%; American Family’s and Farmers Mutual of Nebraska’s averages were unchanged. North Star Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Rapid City average above. Liability-only coverage at 25/50/25 limits fell 0.3%, led by State Farm, which cut its liability-only average 1.4%.
Pennington County averages about $227 a month for full coverage, the fourth-most expensive of the 20 South Dakota counties we price. Box Elder, to the east, averages about $228 a month and Custer, to the southwest, $233, while Black Hawk, Sturgis and Spearfish, to the northwest, average $224, $221 and $219.
The insurers line up differently here. Farmers Mutual of Nebraska has the lowest average of the five insurers in every place we price west of the Missouri River, and Progressive, which has the lowest full-coverage average in Sioux Falls, Brookings and Aberdeen, is third in Rapid City, at about $178 a month. North Star Mutual and American Family average about $322 and $325. South Dakota insurers price by location as well as by driver and car, so your ZIP code can move your price.
More South Dakota cities and towns are in the South Dakota rates by city table, and you can compare states on our car insurance rates by state page.
Sioux Falls, about 325 miles east, averages $181 a month, and Aberdeen, about 252 miles east, $175. Pierre, about 145 miles east, averages $188. For the statewide picture, see our guide to South Dakota car insurance rates.
Drivers in Rapid City follow South Dakota’s rules. Every policy must include at least:
South Dakota is an at-fault state with no personal injury protection requirement, so the driver who causes a crash pays through their liability coverage. Insurers must offer medical payments coverage when you apply, according to the Division of Insurance, but you can decline it. Our South Dakota requirements guide covers the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from South Dakota law and the South Dakota Division of Insurance. We refresh these figures when new rate data is released.
Car insurance in Rapid City, SD, costs about $226 a month ($2,715 a year) for full coverage and $31 a month for liability-only coverage at South Dakota’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 16% above the South Dakota average of $194 a month.
Farmers Mutual of Nebraska has the lowest full-coverage average among insurers anyone can buy from in our Rapid City table, at about $142 a month, followed by State Farm at $165. USAA, which sells only to military members, veterans and their families, comes in lower in our table, at about $137 a month. For liability-only coverage, averages run from about $18 to $45 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
For our benchmark driver, liability-only coverage at South Dakota’s 25/50/25 minimum averages about $31 a month ($377 a year) in Rapid City, compared with $29 statewide. Across the five major insurers we compared, liability-only averages run from about $18 to $45 a month, and the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage. Liability-only coverage won’t pay to repair your own car.
In our data, 57703 has the lowest full-coverage average in Rapid City, at about $223 a month, and 57702 the highest, at about $230. The ZIP code table on this page lists all three.
In our Rapid City data, full coverage (100/300/100 with $500 deductibles) averages about $226 a month and liability-only coverage at 25/50/25 limits about $31, a difference of about $195 a month ($2,338 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Dakota law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Rapid City must carry South Dakota’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25), plus uninsured and underinsured motorist coverage at the same limits as the bodily injury coverage. South Dakota is an at-fault state with no personal injury protection requirement, and insurers must offer medical payments coverage, which you can decline.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (North Star Mutual is new over the past nine months), their Rapid City full-coverage average fell 1.1%, from about $2,456 to $2,428 a year. That’s lower than the Rapid City average of $2,715 because it leaves out North Star Mutual. Progressive cut its Rapid City average 5.6%, while State Farm raised its average 0.7%. Liability-only coverage at 25/50/25 limits fell 0.3%.
For our benchmark driver, full coverage in Rapid City averages about $226 a month. Nearby, Aberdeen averages about $175, Brookings about $160 and Sioux Falls about $181. Aberdeen, Brookings and Sioux Falls are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
