Compare Multiple Free Rapid City Car Insurance Quotes

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Get cheap auto coverage rates in SD

How Much Does Car Insurance Cost in Rapid City, SD?

  • State minimum liability on average in Rapid City, SD costs $50 a month or $602 a year. Full coverage auto policies costs around $290 a month or $3,486 a year in Rapid City.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Rapid City – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Rapid City, South Dakota

What are the Cheapest Car Insurance Companies in Rapid City, SD?

Here are the average policy rates from the cheapest local and national insurance providers in Rapid City from our cost database of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:State Minimum:Monthly:Full Coverage:Monthly:
Mid Century$549$46$2,967$247
American Family Ins.$555$46$2,020$168
State Farm$694$58$4,551$379

Finding a Cheap Auto Insurance Policy in Rapid City, SD

Rapid City, South Dakota is a bustling city with many drivers on the road. When it comes to car insurance, finding the cheapest rates can be a daunting task. However, by utilizing InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools, drivers in Rapid City can easily compare multiple free auto insurance quotes from both local and national insurance companies all in one place. This allows them to make an informed decision about which policy offers the best coverage at the most affordable price. With our comprehensive database of cheap car insurance options available for review, getting insured has never been easier or more convenient for residents of Rapid City.

How Much Car Insurance Do I Need in South Dakota?

In South Dakota, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in South Dakota includes:

  1. Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. South Dakota requires minimum bodily injury liability coverage of:
    • $25,000 per person injured in any one accident
    • $50,000 for all persons injured in any one accident
  2. Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. South Dakota requires minimum property damage liability coverage of:
    • $25,000 for injury to or destruction of property of others in any one accident

These are the minimum coverage requirements mandated by South Dakota law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.

While the above coverages are required by law, South Dakota also offers additional optional coverage types for drivers to consider, including:

  1. Liability Coverage: This coverage is required by law in South Dakota and helps pay for injuries or property damage you cause to others in an at-fault accident.
  2. Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
  3. Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
  4. Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
  5. Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
  6. Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
  7. Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
  8. Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
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