- The average cost of car insurance in Rapid City is 25.8% more than the national average rate of $2,221.
- Compact crossovers and SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Mazda CX-5 are the top choices for cheap car insurance in Rapid City.
- Models with the lowest cost auto insurance in Rapid City for their respective segments include the Chevrolet Colorado at $2,538 per year, Jaguar E-Pace at $2,694 per year, Nissan Titan at $2,694 per year, and Mercedes-Benz CLA250 at $2,964 per year.
- Auto insurance quotes in Rapid City can vary from as little as $31 per month for minimum liability limits to over $660 per month for drivers requiring a high-risk policy.
How much does car insurance cost in Rapid City?
In Rapid City, the average cost of car insurance is $2,878 per year, which is 25.8% more than the U.S. overall average rate of $2,221. Per month, Rapid City drivers can expect to pay an average of $240 for a full coverage policy.
The average cost of car insurance in South Dakota is $2,524 per year, so Rapid City drivers pay an average of $354 more per year than the overall South Dakota state-wide average rate. The average cost to insure a car in Rapid City compared to other South Dakota locations is $624 per year more expensive than in Watertown, $570 per year more than in Brookings, and $552 per year more than in Sioux Falls.
Driver age has a big impact on the cost of auto insurance. The list below details how age impacts cost by breaking down average car insurance rates based on the age of the driver.
Rapid City, South Dakota, car insurance cost by driver age
- 16-year-old rated driver – $10,256 per year or $855 per month
- 17-year-old rated driver – $9,937 per year or $828 per month
- 18-year-old rated driver – $8,905 per year or $742 per month
- 19-year-old rated driver – $8,109 per year or $676 per month
- 20-year-old rated driver – $5,796 per year or $483 per month
- 30-year-old rated driver – $3,072 per year or $256 per month
- 40-year-old rated driver – $2,878 per year or $240 per month
- 50-year-old rated driver – $2,554 per year or $213 per month
- 60-year-old rated driver – $2,392 per year or $199 per month
The next chart displays additional costs for drivers age 20 to 60 by including rates for three different physical damage coverage deductibles. These extra rates can aid in comprehending how auto insurance rates increase with lower deductibles, and decreases when deductible are raised.
Average rates in the chart above range from $2,022 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $6,738 per year for a 20-year-old driver with $250 deductibles. The rate used in this article for comparing different segments, models or locations is a 40-year-old driver with $500 deductibles for comprehensive and collision coverage, which is an average cost of $2,878 per year.
As a monthly cost, average car insurance cost in Rapid City ranges from $169 to $562 for the same annual rate data shown in the chart above.
In Rapid City, which vehicles have the cheapest car insurance rates?
The models with the cheapest car insurance prices in Rapid City tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Toyota Corolla Cross, and Hyundai Venue. Average auto insurance rates for those compact SUVs cost $2,340 or less per year for a full coverage policy.
Examples of other vehicles that are highly ranked in our overall cost comparison are the Acura RDX, Nissan Murano, Volkswagen Taos, and Buick Encore. Rates are a little bit more for those models than the cheapest compact SUVs and crossovers at the top of the rankings, but they still have an average cost of $209 or less per month.
The following table shows the top 20 models with the cheapest car insurance rates in Rapid City, ordered by cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,128 | $177 |
| 2 | Chevrolet Trailblazer | $2,166 | $181 |
| 3 | Kia Soul | $2,250 | $188 |
| 4 | Nissan Kicks | $2,268 | $189 |
| 5 | Honda Passport | $2,294 | $191 |
| 6 | Buick Envision | $2,308 | $192 |
| 7 | Toyota Corolla Cross | $2,322 | $194 |
| 8 | Hyundai Venue | $2,340 | $195 |
| 9 | Mazda CX-5 | $2,350 | $196 |
| 10 | Ford Bronco Sport | $2,360 | $197 |
| 11 | Volkswagen Tiguan | $2,384 | $199 |
| 12 | Acura RDX | $2,408 | $201 |
| 13 | Nissan Murano | $2,420 | $202 |
| 14 | Buick Encore | $2,446 | $204 |
| 15 | Subaru Outback | $2,454 | $205 |
| 16 | Honda CR-V | $2,456 | $205 |
| 17 | Buick Envista | $2,462 | $205 |
| 18 | Volkswagen Taos | $2,468 | $206 |
| 19 | Kia Niro | $2,480 | $207 |
| 20 | Toyota GR Corolla | $2,502 | $209 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rapid City, SD Zip Codes. Updated June 27, 2025
The above table containing 20 vehicle rankings is not the best way to show a complete view of the cost of auto insurance in Rapid City. A more efficient way to group and rank rates in a pragmatic manner is by breaking them out by vehicle segment.
The next section further discusses the average cost of car insurance for each vehicle segment. The average rates shown should provide a better idea of which types of cars, trucks, and SUVs that have the best auto insurance rates in Rapid City. The six sections after the chart display the 20 models with the cheapest rates for the most popular segments.
Rapid City auto insurance rates by vehicle segment
When car shopping, it’s a good idea to know which styles of vehicles are more affordable to insure.
For instance, you may be wondering if midsize cars have more affordable insurance than midsize SUVs or if full-size pickups cost more to insure than midsize pickups.
The chart below displays average car insurance rates in Rapid City for different vehicle segments. From an overal segment perspective, compact SUVs and midsize pickup trucks tend to have the cheapest average rates, while exotic performance cars have the highest car insurance rates.
Segment rates are close enough for general comparisons, but cost varies quite significantly within each vehicle segment shown in the above chart.
For example, in the small car segment, Rapid City auto insurance rates range from the Toyota GR Corolla at $2,502 per year to the Toyota Mirai costing $3,584 per year. As another example, in the large truck segment, average rates range from the Nissan Titan costing $2,694 per year up to the Toyota Tundra at $3,428 per year, a difference of $734 within that segment.
In these next sections, we will eliminate a lot of this variability by looking at the cost of car insurance in Rapid City for specific vehicles.
Cheapest car insurance rates in Rapid City, South Dakota
The four lowest-cost non-luxury two and four door cars to insure in Rapid City are the Toyota GR Corolla at $2,502 per year, Nissan Leaf at $2,524 per year, Honda Civic at $2,550 per year, and Nissan Sentra at $2,638 per year.
Other models that have affordable insurance rates are the Toyota Prius, Kia K5, Honda Accord, and Chevrolet Malibu, with average rates of $2,802 per year or less.
Some additional vehicles that rank well include the Volkswagen Arteon, Hyundai Sonata, Kia Forte, and Subaru Legacy, which average between $2,802 and $2,980 per year for insurance in Rapid City.
Full-coverage car insurance for this segment in Rapid City for a good driver can cost as low as $209 per month, depending on where you live and the company you use.
If rates are ranked based on vehicle size, the lowest-cost non-luxury compact car to insure in Rapid City is the Toyota GR Corolla at $2,502 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $2,774 per year. And for large cars, the Chrysler 300 is the cheapest model to insure at $2,744 per year.
The comparison table below ranks the twenty cars with the lowest-cost insurance rates in Rapid City, starting with the Toyota GR Corolla at $2,502 per year ($209 per month) and ending with the Mazda 3 at $2,980 per year ($248 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,502 | $209 |
| Nissan Leaf | Compact | $2,524 | $210 |
| Honda Civic | Compact | $2,550 | $213 |
| Nissan Sentra | Compact | $2,638 | $220 |
| Subaru Impreza | Compact | $2,646 | $221 |
| Toyota Prius | Compact | $2,692 | $224 |
| Kia K5 | Midsize | $2,774 | $231 |
| Honda Accord | Midsize | $2,784 | $232 |
| Chevrolet Malibu | Midsize | $2,792 | $233 |
| Toyota Corolla | Compact | $2,802 | $234 |
| Kia Forte | Compact | $2,812 | $234 |
| Volkswagen Arteon | Midsize | $2,832 | $236 |
| Nissan Versa | Compact | $2,836 | $236 |
| Subaru Legacy | Midsize | $2,842 | $237 |
| Hyundai Ioniq 6 | Midsize | $2,866 | $239 |
| Mitsubishi Mirage G4 | Compact | $2,904 | $242 |
| Toyota Crown | Midsize | $2,914 | $243 |
| Volkswagen Jetta | Compact | $2,914 | $243 |
| Hyundai Sonata | Midsize | $2,918 | $243 |
| Mazda 3 | Compact | $2,980 | $248 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rapid City, SD Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance cost for your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rapid City car insurance quotes from the best auto insurance companies in South Dakota.
Cheapest SUVs to insure in Rapid City, SD
The Subaru Crosstrek takes the top ranking for the lowest-cost non-luxury SUV to insure in Rapid City, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $2,128 per year for full-coverage auto insurance.
Not the cheapest SUVs to insure, but still very reasonable, are models like the Toyota Corolla Cross, Hyundai Venue, Ford Bronco Sport, and Mazda CX-5, with an average cost to insure of $2,360 per year or less.
Ranking between positions 10 and 20, models like the Volkswagen Taos, Kia Niro, Buick Encore, Buick Envista, and Volkswagen Tiguan average between $2,360 and $2,508 to insure per year.
From a monthly standpoint, car insurance rates on this segment in Rapid City for a good driver starts at around $177 per month, depending on the company. The comparison table below ranks the SUVs with the most affordable car insurance in Rapid City, starting with the Subaru Crosstrek at $177 per month and ending with the Subaru Ascent at $209 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $2,128 | $177 |
| Chevrolet Trailblazer | Compact | $2,166 | $181 |
| Kia Soul | Compact | $2,250 | $188 |
| Nissan Kicks | Compact | $2,268 | $189 |
| Honda Passport | Midsize | $2,294 | $191 |
| Buick Envision | Compact | $2,308 | $192 |
| Toyota Corolla Cross | Compact | $2,322 | $194 |
| Hyundai Venue | Compact | $2,340 | $195 |
| Mazda CX-5 | Compact | $2,350 | $196 |
| Ford Bronco Sport | Compact | $2,360 | $197 |
| Volkswagen Tiguan | Compact | $2,384 | $199 |
| Nissan Murano | Midsize | $2,420 | $202 |
| Buick Encore | Compact | $2,446 | $204 |
| Subaru Outback | Midsize | $2,454 | $205 |
| Honda CR-V | Compact | $2,456 | $205 |
| Buick Envista | Midsize | $2,462 | $205 |
| Volkswagen Taos | Compact | $2,468 | $206 |
| Kia Niro | Compact | $2,480 | $207 |
| Honda HR-V | Compact | $2,506 | $209 |
| Subaru Ascent | Midsize | $2,508 | $209 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rapid City, SD Zip Codes. Updated June 27, 2025
See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.
Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rapid City car insurance quotes from top-rated companies in South Dakota.
Cheapest pickup insurance rates in Rapid City, South Dakota
The top four pickup trucks with the most affordable car insurance in Rapid City are the Chevrolet Colorado at $2,538 per year, Nissan Titan at $2,694 per year, Nissan Frontier at $2,722 per year, and Ford Ranger at $2,752 per year.
Also ranking in the top 10 are trucks like the GMC Sierra 2500 HD, GMC Canyon, Hyundai Santa Cruz, and Honda Ridgeline, with average annual insurance rates of $2,962 per year or less.
Auto insurance in this segment for a good driver can cost as low as $212 per month, depending on the company. The rate comparison table below ranks the twenty pickups with the lowest-cost car insurance in Rapid City, starting with the Chevrolet Colorado at $2,538 per year and ending with the Ram Truck at $3,330 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,538 | $212 |
| Nissan Titan | Full-size | $2,694 | $225 |
| Nissan Frontier | Midsize | $2,722 | $227 |
| Ford Ranger | Midsize | $2,752 | $229 |
| Ford Maverick | Midsize | $2,792 | $233 |
| Honda Ridgeline | Midsize | $2,858 | $238 |
| Hyundai Santa Cruz | Midsize | $2,906 | $242 |
| Toyota Tacoma | Midsize | $2,916 | $243 |
| GMC Sierra 2500 HD | Heavy Duty | $2,932 | $244 |
| GMC Canyon | Midsize | $2,962 | $247 |
| Jeep Gladiator | Midsize | $3,034 | $253 |
| GMC Sierra 3500 | Heavy Duty | $3,050 | $254 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $3,078 | $257 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $3,160 | $263 |
| GMC Sierra | Full-size | $3,180 | $265 |
| Chevrolet Silverado | Full-size | $3,184 | $265 |
| Nissan Titan XD | Heavy Duty | $3,184 | $265 |
| Ford F150 | Full-size | $3,224 | $269 |
| GMC Hummer EV Pickup | Full-size | $3,302 | $275 |
| Ram Truck | Full-size | $3,330 | $278 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rapid City, SD Zip Codes. Updated June 26, 2025
See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.
Don’t see your truck in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Rapid City car insurance quotes from top companies in South Dakota.
Cheapest luxury cars to insure in Rapid City, South Dakota
Taking the top ranking in Rapid City for cheapest auto insurance rates in the luxury sedan segment is the Acura Integra, at $2,560 per year. Second place is the BMW 330i costing $2,934 per year, in third place is the Mercedes-Benz CLA250, costing an average of $2,964 per year, and the fourth cheapest is the Lexus IS 300, costing an average of $2,966 per year.
Additional models that have good average insurance rates are the Mercedes-Benz AMG CLA35, Genesis G70, Lexus ES 350, and Cadillac CT4, with average insurance cost of $3,028 per year or less.
Some additional 2024 models that make the list include the BMW 330e, Lexus IS 350, BMW 228i, Lexus ES 250, and Lexus ES 300h, which cost between $3,028 and $3,230 to insure per year.
On a monthly basis, car insurance on this segment in Rapid City for a good driver starts at an average of $213 per month, depending on where you live.
The comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in Rapid City, starting with the Acura Integra at $2,560 per year ($213 per month) and ending with the Audi S3 at $3,230 per year ($269 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,560 | $213 |
| BMW 330i | Compact | $2,934 | $245 |
| Mercedes-Benz CLA250 | Midsize | $2,964 | $247 |
| Lexus IS 300 | Midsize | $2,966 | $247 |
| Acura TLX | Compact | $2,980 | $248 |
| Cadillac CT4 | Compact | $3,008 | $251 |
| Lexus ES 350 | Midsize | $3,008 | $251 |
| Genesis G70 | Compact | $3,016 | $251 |
| Mercedes-Benz AMG CLA35 | Midsize | $3,020 | $252 |
| Lexus RC 300 | Midsize | $3,028 | $252 |
| Lexus IS 350 | Compact | $3,040 | $253 |
| Jaguar XF | Midsize | $3,048 | $254 |
| Cadillac CT5 | Midsize | $3,104 | $259 |
| Lexus ES 250 | Midsize | $3,116 | $260 |
| Lexus RC 350 | Compact | $3,124 | $260 |
| BMW 330e | Compact | $3,128 | $261 |
| BMW 228i | Compact | $3,132 | $261 |
| BMW 230i | Compact | $3,156 | $263 |
| Lexus ES 300h | Midsize | $3,162 | $264 |
| Audi S3 | Compact | $3,230 | $269 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rapid City, SD Zip Codes. Updated June 27, 2025
See our guide for luxury car insurance to view any vehicles not shown in the table.
Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Rapid City car insurance quotes from top-rated companies in South Dakota.
Cheapest luxury SUVs to insure in Rapid City
The four cheapest luxury SUVs to insure in Rapid City are the Acura RDX at $2,408 per year, Lexus NX 250 at $2,550 per year, Cadillac XT4 at $2,602 per year, and Jaguar E-Pace at $2,694 per year.
Other models that have cheaper rates include the Mercedes-Benz GLB 250, Lexus UX 250h, Lexus NX 450h, and Lincoln Corsair, with average insurance cost of $2,778 per year or less.
On a monthly basis, auto insurance in Rapid City on this segment for a safe driver starts at around $201 per month, depending on where you live.
When prices are compared by vehicle size, the lowest-cost compact luxury SUV to insure in Rapid City is the Acura RDX at $2,408 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $2,694 per year. And for full-size luxury models, the Infiniti QX80 has the cheapest rates at $3,230 per year.
The table below ranks the twenty SUVs with the cheapest car insurance in Rapid City, starting with the Acura RDX at $201 per month and ending with the Lexus RX 350 at $241 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,408 | $201 |
| Lexus NX 250 | Compact | $2,550 | $213 |
| Cadillac XT4 | Compact | $2,602 | $217 |
| Jaguar E-Pace | Midsize | $2,694 | $225 |
| Cadillac XT5 | Midsize | $2,718 | $227 |
| Lexus NX 350h | Compact | $2,718 | $227 |
| Lincoln Corsair | Compact | $2,750 | $229 |
| Mercedes-Benz GLB 250 | Compact | $2,756 | $230 |
| Lexus UX 250h | Compact | $2,762 | $230 |
| Lexus NX 450h | Compact | $2,778 | $232 |
| Infiniti QX50 | Midsize | $2,800 | $233 |
| Mercedes-Benz GLA250 | Compact | $2,810 | $234 |
| Cadillac XT6 | Midsize | $2,818 | $235 |
| Mercedes-Benz GLA35 AMG | Compact | $2,818 | $235 |
| Infiniti QX60 | Midsize | $2,834 | $236 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,838 | $237 |
| Land Rover Evoque | Compact | $2,876 | $240 |
| Acura MDX | Midsize | $2,880 | $240 |
| Lexus NX 350 | Compact | $2,890 | $241 |
| Lexus RX 350 | Midsize | $2,892 | $241 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rapid City, SD Zip Codes. Updated June 27, 2025
For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.
Don’t see rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Rapid City car insurance quotes from top-rated companies in South Dakota.
Cheapest sports car insurance rates in Rapid City
Ranked at #1 in Rapid City for the lowest-cost average insurance in the sports car segment is the Mazda MX-5 Miata, costing an average of $2,666 per year. Second place is the Toyota GR86 costing $3,036 per year, and third place goes to the Ford Mustang, costing an average of $3,164 per year.
Not the cheapest, but still in the top 10, are cars like the Lexus RC F, BMW M2, Nissan Z, and Subaru BRZ, with average rates of $3,440 per year or less.
Additional 2024 models that rank well include the BMW M3, Mercedes-Benz AMG GT53, Porsche 718, and Lexus LC 500, which cost between $3,440 and $4,878 per year for auto insurance in Rapid City.
Auto insurance in Rapid City for this segment will start around $222 per month, depending on your location.
The next table ranks the sports cars with the cheapest insurance rates in Rapid City, starting with the Mazda MX-5 Miata at $2,666 per year and ending with the Porsche Taycan at $4,878 per year.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,666 | $222 |
| Toyota GR86 | Sports Car | $3,036 | $253 |
| Ford Mustang | Sports Car | $3,164 | $264 |
| BMW Z4 | Sports Car | $3,182 | $265 |
| Subaru WRX | Sports Car | $3,230 | $269 |
| Toyota GR Supra | Sports Car | $3,236 | $270 |
| BMW M2 | Sports Car | $3,330 | $278 |
| Nissan Z | Sports Car | $3,336 | $278 |
| Lexus RC F | Sports Car | $3,404 | $284 |
| Subaru BRZ | Sports Car | $3,440 | $287 |
| BMW M3 | Sports Car | $3,638 | $303 |
| Porsche 718 | Sports Car | $3,708 | $309 |
| Chevrolet Camaro | Sports Car | $3,738 | $312 |
| Chevrolet Corvette | Sports Car | $3,990 | $333 |
| Porsche 911 | Sports Car | $4,128 | $344 |
| BMW M4 | Sports Car | $4,294 | $358 |
| Lexus LC 500 | Sports Car | $4,320 | $360 |
| Jaguar F-Type | Sports Car | $4,544 | $379 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,768 | $397 |
| Porsche Taycan | Sports Car | $4,878 | $407 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rapid City, SD Zip Codes. Updated June 27, 2025
Need rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in South Dakota.
How to save on car insurance in Rapid City
Resourceful drivers should always be searching for ways to cut the monthly cost of auto insurance, so take a minute to review the tips and ideas in the list below and maybe you’ll find a way to save some money.
- Earn a discount from your occupation. Most car insurance companies offer discounts for being employed in occupations like lawyers, nurses, dentists, members of the military, firefighters, and others. If you work in a qualifying profession, you could save between $86 and $280 on your yearly auto insurance bill, depending on the level of coverage purchased.
- Compare insurance costs before buying a car. Different vehicle models can have very different insurance premiums, and insurance companies can charge widely varying rates. Get plenty of comparison quotes before you buy a different car in order to prevent insurance sticker shock when you get your first insurance bill.
- Policy discounts save money. Discounts may be available if the insureds belong to certain professional organizations, choose electronic billing, drive low annual mileage, sign their policy early, are senior citizens, or many other discounts which could save the average Rapid City driver as much as $486 per year.
- Increasing deductibles makes car insurance cheaper. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Good credit scores mean better rates. Having a high credit rating of over 800 may save $452 per year versus a lower credit score of 670-739. Conversely, poor credit could cost up to $524 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Choose a vehicle with more affordable insurance rates. The make and model of vehicle you drive is a big factor in the cost of insurance. For example, a Kia Sportage costs $620 less per year to insure in Rapid City than a Subaru BRZ. Choose cheaper models and save money.
- If your car is older, remove unneeded coverages. Deleting comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive will trim the cost considerably.