For a 40-year-old driver with a clean record, car insurance in Sioux Falls, SD, averages about $181 a month ($2,166 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 7% under South Dakota’s $194 monthly average. Progressive has the lowest full-coverage average of the five major insurers we compared (American Family, Farmers Mutual of Nebraska, North Star Mutual, Progressive and State Farm), at about $111 a month.
Sioux Falls is the 12th-least expensive of the 26 South Dakota cities and towns in our city table, and our benchmark driver pays about $13 a month less here than the South Dakota average. Compare Sioux Falls auto insurance quotes by ZIP code: our figures cover the seven ZIP codes with a Sioux Falls mailing address that we price, from about $171 a month in 57108 to $188 in 57104.
Six of those ZIP codes are in Minnehaha County; 57108, on the south side, is in Lincoln County. Two other ZIP codes inside the city, 57117 and 57197, aren’t among the ZIP codes we price.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Sioux Falls 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.
How Much Is Car Insurance in Sioux Falls, SD?
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Sioux Falls, SD, costs about $181 a month ($2,166 a year) for full coverage and $35 a month for liability-only coverage at South Dakota’s 25/50/25 minimum. The South Dakota average is $194 a month, so that figure is 7% lower.
- Full coverage (100/300/100, $500 deductibles): $2,166 a year ($181 a month)
- 50/100/50 with $500 deductibles: $2,095 a year ($175 a month)
- Liability only (25/50/25): $418 a year ($35 a month)
- Minnehaha County: $2,168 a year ($181 a month) for full coverage
- South Dakota average: $2,329 a year ($194 a month) for full coverage
- ZIP code range: $171 (57108) to $188 (57104) a month for full coverage
Cheapest Car Insurance in Sioux Falls, SD: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $111 a month ($1,326 a year).
- Next lowest any driver can buy: Farmers Mutual of Nebraska, at about $143 a month, then State Farm at $179.
- Liability only (25/50/25): about $18 to $54 a month across the five major insurers we compared.
- Also on our list: USAA at about $123 a month, Allstate at $179, Nationwide at $185 and GEICO at $195 (USAA sells only to military families).
- Most expensive in our data: American Family, at about $256 a month, $1,744 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the five insurers in our Sioux Falls rate data. 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 $54 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 Sioux Falls
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): |
|---|---|---|---|---|
| Progressive | $217 | $18 | $1,326 | $111 |
| Farmers Mutual of Nebraska | $361 | $30 | $1,720 | $143 |
| State Farm | $491 | $41 | $2,144 | $179 |
| North Star Mutual | $369 | $31 | $2,571 | $214 |
| American Family | $653 | $54 | $3,070 | $256 |
| USAA (military families)* | $378 | $32 | $1,472 | $123 |
| Allstate* | $745 | $62 | $2,146 | $179 |
| Nationwide* | $778 | $65 | $2,214 | $185 |
| GEICO* | $399 | $33 | $2,338 | $195 |
| Sioux Falls average | $418 | $35 | $2,166 | $181 |
This table uses Sioux Falls ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Sioux Falls Car Insurance Rates by ZIP Code
Across the seven Sioux Falls ZIP codes we price, full coverage for our driver ranges from about $171 a month in 57108 to $188 in 57104, a gap of $214 a year. 57108, in south Sioux Falls, is the least expensive Sioux Falls ZIP code in our data, and 57104, the ZIP code closest to downtown, the most expensive. 57106, on the southwest side, averages about $177 a month and 57105 about $186.
Lowest-priced Sioux Falls ZIP codes
Highest-priced Sioux Falls ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Sioux Falls’ 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: |
|---|---|---|---|---|---|
| 57103 | $417 | $35 | $2,159 | $180 | -1% |
| 57104 | $453 | $38 | $2,261 | $188 | +4% |
| 57105 | $448 | $37 | $2,236 | $186 | +3% |
| 57106 | $419 | $35 | $2,128 | $177 | -2% |
| 57107 | $402 | $34 | $2,176 | $181 | About average |
| 57108 | $389 | $32 | $2,047 | $171 | -6% |
| 57110 | $401 | $33 | $2,155 | $180 | -1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Sioux Falls?
Raising liability limits from 50/100/50 to 100/300/100 adds about $71 a year on average in our Sioux Falls 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.
Is Car Insurance Going Up in Sioux Falls?
Not by much, for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Sioux Falls ZIP codes, their full-coverage average fell from $2,071 a year nine months earlier to $2,065 in rates as of Aug. 31, 2026, a 0.3% drop. Progressive cut its Sioux Falls average 3.3%, while State Farm raised its average 0.9%; 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 Sioux Falls average above. Liability-only coverage at 25/50/25 limits fell 0.2%, led by State Farm, which cut its liability-only average 1.4%.
What Shapes Car Insurance Costs in Sioux Falls
Minnehaha County averages about $181 a month for full coverage, the ninth-least expensive of the 20 South Dakota counties we price, and Sioux Falls costs about the same. Liability-only coverage is a different story: at about $35 a month, Sioux Falls has the highest liability-only average of the 26 places we price, against $29 statewide, and State Farm’s and American Family’s liability-only averages here are their highest in our South Dakota data.
The suburbs cost a little less for full coverage: Brandon, to the northeast, averages about $172 a month, Harrisburg $173 and Tea $174, while Hartford, to the northwest, averages $178 and Dell Rapids, to the north, $183. Where you live is one of the factors South Dakota insurers use, so neighboring towns can be priced differently.
How Sioux Falls Car Insurance Compares With Other South Dakota Cities
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.
Brookings, about 53 miles north, has the lowest average of the 26 places we price, at $160 a month. Aberdeen, about 158 miles northwest, averages $175, and Rapid City, about 325 miles west, $226. For the statewide picture, see our guide to South Dakota car insurance rates.
What Car Insurance Is Required in Sioux Falls?
Drivers in Sioux Falls follow South Dakota’s rules. Every policy must include at least:
- $25,000 per person and $50,000 per crash for injuries you cause, and $25,000 for property damage (25/50/25)
- Uninsured and underinsured motorist coverage at the same limits as your bodily injury coverage, so at least $25,000 per person and $50,000 per crash
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.
How to Lower Your Car Insurance Rate in Sioux Falls
- Compare Progressive and Farmers Mutual of Nebraska first. They have the two lowest full-coverage averages among insurers anyone can buy from in our Sioux Falls data, about $111 and $143 a month.
- Quote several insurers. In our Sioux Falls data, the lowest and highest insurer averages are about $145 a month apart for the same driver and car.
- Keep proof of insurance on your phone. An official electronic copy from your insurer counts as proof in South Dakota, under SDCL 32-35-116, and if you’re cited but were insured at the time, showing the court proof of that coverage gets the citation dismissed.
- Compare at every renewal. Over the past nine months, Progressive has cut its Sioux Falls average 3.3%, while State Farm has raised its average 0.9%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Sioux Falls home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Sioux Falls Car Insurance Rates
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.
- Sample: 35 full-coverage premiums from five insurers across seven Sioux Falls ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at South Dakota’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. That package meets South Dakota’s minimum: 25/50/25 liability plus uninsured and underinsured motorist coverage at the same limits as the bodily injury coverage.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. North Star Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 South Dakota rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from South Dakota law and the South Dakota Division of Insurance. We refresh these figures when new rate data is released.
Sioux Falls Car Insurance FAQ
Car insurance in Sioux Falls, SD, costs about $181 a month ($2,166 a year) for full coverage and $35 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 7% below the South Dakota average of $194 a month.
Progressive has the lowest full-coverage average in our Sioux Falls rate data, at about $111 a month, followed by Farmers Mutual of Nebraska at $143 among insurers anyone can buy from. USAA, which sells only to military families, averages about $123 a month. For liability-only coverage, averages run from about $18 to $54 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Mostly, for our benchmark driver. Full coverage averages about $172 a month in Brandon, $173 in Harrisburg and $174 in Tea, compared with $181 in Sioux Falls. Hartford, at $178, and Dell Rapids, at $183, are about the same as the city. Each suburb is one ZIP code in our data, so compare quotes for the address where your car is kept.
In our data, 57108 has the lowest full-coverage average in Sioux Falls, at about $171 a month, and 57104 the highest, at about $188. The ZIP code table on this page lists all seven.
In our Sioux Falls data, full coverage (100/300/100 with $500 deductibles) averages about $181 a month and liability-only coverage at 25/50/25 limits about $35, a difference of about $146 a month ($1,748 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 Sioux Falls 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 by much, for our benchmark driver. Comparing the four insurers in both sets of rates (North Star Mutual is new over the past nine months), their Sioux Falls full-coverage average fell 0.3%, from about $2,071 to $2,065 a year. That’s lower than the Sioux Falls average of $2,166 because it leaves out North Star Mutual. Progressive cut its Sioux Falls average 3.3%, while State Farm raised its average 0.9%. Liability-only coverage at 25/50/25 limits fell 0.2%.
For our benchmark driver, full coverage in Sioux Falls averages about $181 a month. Nearby, Brookings averages about $160, Aberdeen about $175 and Rapid City about $226. Brookings and Aberdeen are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
