Sioux Falls Car Insurance Cost (2025 Cheapest + Rankings)

• Sioux Falls car insurance averages $2,374 per year, or about $198 per month for a full coverage policy.
• Sioux Falls car insurance costs $192 per year less than the South Dakota state average and $98 per year more than the average for all 50 states.
• Monthly auto insurance rates for a few popular models in Sioux Falls include the Ram Truck at $229, Honda Accord at $191, and Toyota RAV4 at $182.
• For cheap auto insurance in Sioux Falls, models like the Acura Integra ($2,108 per year), Chevrolet Tahoe ($2,226 per year), Acura RDX ($1,982 per year), and Nissan Titan ($2,220 per year) have some of the best rates.
• Car insurance quotes in Sioux Falls can range significantly from as low as $34 per month for just liability insurance to well over $685 per month for drivers needing high-risk coverage.

How much does car insurance cost in Sioux Falls?

The average cost of car insurance in Sioux Falls is $2,374 per year, which is 4.2% more than the overall U.S. national average rate of $2,276 per year. The average cost of car insurance per month in Sioux Falls is $198 for full coverage auto insurance.

In the state of South Dakota, the average car insurance expense is $2,566 per year, so the cost in Sioux Falls averages $192 less per year. The cost to insure a car in Sioux Falls compared to other South Dakota cities is approximately $20 per year more than in Brookings, $76 per year more than in Watertown, and $18 per year more expensive than in Aberdeen.

The age of the driver has a significant impact the price you pay for car insurance. The list below details how age impacts cost by breaking out average car insurance rates for young, middle-age, and senior drivers.

Sioux Falls car insurance cost by driver age

• 16 year old – $8,445 per year or $704 per month
• 17 year old – $8,183 per year or $682 per month
• 18 year old – $7,333 per year or $611 per month
• 19 year old – $6,678 per year or $557 per month
• 20 year old – $4,772 per year or $398 per month
• 30 year old – $2,532 per year or $211 per month
• 40 year old – $2,374 per year or $198 per month
• 50 year old – $2,102 per year or $175 per month
• 60 year old – $1,968 per year or $164 per month

The chart below shows average car insurance rates in Sioux Falls for 2024 model year vehicles for both different driver ages and policy deductible limits.

In the chart above, the cost of auto insurance in Sioux Falls ranges from $1,664 per year for a 60-year-old driver with a policy with high deductibles to $5,550 per year for a 20-year-old driver with low physical damage deductibles. From a monthly budget point of view, the average cost in the previous chart ranges from $139 to $463 per month.

Auto insurance rates can cost significantly different amounts and can also be significantly different between companies. Since there is so much rate volatility, this reinforces the need for accurate car insurance quotes when shopping online for more affordable car insurance.

Sioux Falls’s favorite vehicles and the cost of car insurance

The auto insurance rates mentioned above are the average cost across all 2024 model year vehicles, which is handy for making overall comparisons like the cost difference between driver ages or locations.

Average car insurance rates are great for getting the answer to questions like “are Sioux Falls auto insurance rates cheaper than in Aberdeen?” or “is auto insurance cheaper in South Dakota or Florida?”.

But for more in-depth rate comparisons, the data will be more precise if we analyze the specific model of vehicle being insured. Every make and model has a slightly different risk profile for determining the cost of car insurance and this data makes it possible to do more detailed cost analysis.

This next chart breaks down insurance rates in Sioux Falls for popular vehicles.

The most popular vehicles in Sioux Falls tend to be small or midsize sedans like the Toyota Corolla, Nissan Sentra, and Toyota Camry and compact and midsize SUVs like the Ford Escape, Chevy Equinox, and Jeep Grand Cherokee.

A few additional popular models from different automotive segments include luxury cars like the Infiniti Q50, Acura ILX, and BMW 530i, luxury SUVs like the Acura MDX, Cadillac XT5, and BMW X5, and pickup trucks like the Ford Ranger, Toyota Tacoma, and Ford F-150.

We will explore more car insurance rates later on in this article, but before that, let’s make a quick review of the comparisons and key concepts that were discussed so far.

• Insurance rates fall a lot between ages 20 and 30 – The average 30-year-old Sioux Falls driver will pay $2,240 less per year than a 20-year-old driver, $2,532 compared to $4,772.
• Sioux Falls average car insurance cost is more than the U.S. average – $2,374 (Sioux Falls average) versus $2,276 (U.S. average)
• Auto insurance costs less as you get older – Car insurance rates for a 40-year-old driver in Sioux Falls are $2,398 per year cheaper than for a 20-year-old driver.
• Teenage females pay cheaper rates than teen males – Teenage female drivers pay $1,032 to $554 less annually than males of the same age.
• Lower deductible auto insurance is more expensive than high deductible – A 50-year-old driver pays an average of $990 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Sioux Falls car insurance rates are cheaper than the South Dakota state average – $2,374 (Sioux Falls average) versus $2,566 (South Dakota average)
• Insurance for teens can be very expensive – Average cost ranges from $5,646 to $8,445 per year to insure a teen driver in Sioux Falls.

In Sioux Falls, which vehicles are cheapest to insure?

When comparing makes and models from all segments, the models with the best insurance prices in Sioux Falls, SD, tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue.

Average car insurance rates for those models cost $161 or less per month for a policy with full coverage.

Other vehicles that are ranked high in our overall cost comparison are the Buick Encore, Subaru Outback, Honda CR-V, and Ford Bronco Sport. Rates are a few dollars per month higher for those models than the cheapest crossovers and compact SUVs that rank at the top, but they still have an average insurance cost of $2,060 or less per year ($172 per month).

The following table details the vehicles with the cheapest overall insurance rates in Sioux Falls, ordered by cost.

A table of 50 ranked vehicles probably isn’t the best way to show a comprehensive summary of Sioux Falls car insurance cost. Considering the fact that we rate over 700 vehicles, there are a lot of rates not being shown.

So let’s rethink this and break out the models with the lowest rates in a more useful way. The six sections below list the vehicles with the cheapest insurance rates in Sioux Falls for each of the primary automotive segments.

Cheapest car insurance rates in Sioux Falls

The Toyota GR Corolla ranks #1 as the cheapest car to insure in Sioux Falls, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $2,060 per year for a policy with full coverage.

Not the cheapest, but still very affordable, are cars like the Kia K5, Toyota Prius, Chevrolet Malibu, and Toyota Corolla, with average cost of $2,308 per year or less.

As a cost per month, full-coverage car insurance on this segment in Sioux Falls for an average middle-age driver can cost as low as $172 per month, depending on where you live and the company you use.

The lowest-cost non-luxury compact car to insure in Sioux Falls is the Toyota GR Corolla at $2,060 per year. For midsize 2024 models, the Kia K5 is cheapest to insure at $2,284 per year. And for full-size cars, the Chrysler 300 is cheapest to insure at $2,256 per year.

The table below ranks the cars with the lowest-cost insurance rates in Sioux Falls, starting with the Toyota GR Corolla at $2,060 per year ($172 per month) and ending with the Mazda 3 at $2,454 per year ($205 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Sioux Falls car insurance quotes from top companies in South Dakota.

Cheapest SUV insurance rates in Sioux Falls

The four highest ranking SUVs with the lowest-cost insurance in Sioux Falls are the Subaru Crosstrek at $1,752 per year, Chevrolet Trailblazer at $1,782 per year, Kia Soul at $1,850 per year, and Nissan Kicks at $1,866 per year.

Also ranking well in our comparison are SUVs like the Mazda CX-5, Buick Envision, Toyota Corolla Cross, and Ford Bronco Sport, with average insurance cost of $1,942 per year or less.

In the lower half of the top 20 SUVs to insure, models like the Honda HR-V, Buick Envista, Subaru Ascent, Volkswagen Tiguan, Volkswagen Taos, and Kia Niro cost between $1,942 and $2,062 per year to insure in Sioux Falls.

From a monthly standpoint, full-coverage auto insurance on this segment in Sioux Falls for a good driver starts at around $146 per month, depending on your company and location.

The comparison table below ranks the twenty SUVs with the lowest-cost car insurance rates in Sioux Falls, starting with the Subaru Crosstrek at $146 per month and ending with the Subaru Ascent at $172 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Sioux Falls car insurance quotes from top-rated car insurance companies in South Dakota.

Cheapest pickup trucks to insure in Sioux Falls

The most affordable pickup trucks to insure in Sioux Falls are the Chevrolet Colorado at $2,088 per year, the Nissan Titan at $2,220 per year, and the Nissan Frontier at $2,242 per year.

Additional pickups that have affordable average insurance rates are the GMC Canyon, Toyota Tacoma, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with an average cost to insure of $2,440 per year or less.

Auto insurance for this segment in Sioux Falls for a middle-age safe driver starts at an average of $174 per month, depending on the company and your location.

The rate comparison table below ranks the pickups with the cheapest average auto insurance rates in Sioux Falls, starting with the Chevrolet Colorado at $2,088 per year and ending with the Ram Truck at $2,742 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance cost for your pickup? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Sioux Falls car insurance quotes from top car insurance companies in South Dakota.

Cheapest sports car insurance rates in Sioux Falls

Taking the top ranking in Sioux Falls for the lowest-cost insurance in the sports car segment is the Mazda MX-5 Miata, with an average cost of $2,194 per year. Second place is the Toyota GR86 at $2,498 per year, and in third place is the Ford Mustang, at an average of $2,606 per year.

Other models that rank well are the Lexus RC F, Toyota GR Supra, Subaru BRZ, and BMW M2, with an average cost to insure of $2,836 per year or less.

Some additional vehicles that rank well include the Porsche 718, Chevrolet Corvette, BMW M3, Mercedes-Benz AMG GT53, and Porsche Taycan, which average between $2,836 and $4,016 per year for insurance in Sioux Falls.

Full-coverage car insurance in this segment for an average middle-age driver can cost as low as $183 per month, depending on the company and your location. The table below ranks the sports cars with the most affordable insurance in Sioux Falls, starting with the Mazda MX-5 Miata at $183 per month and ending with the Porsche Taycan at $335 per month.

Don’t see rates for your sports car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in South Dakota.

Cheapest luxury cars to insure in Sioux Falls

The most affordable luxury car models to insure in Sioux Falls are the Acura Integra at $2,108 per year, the BMW 330i at $2,414 per year, and the Mercedes-Benz CLA250 at $2,440 per year.

Not the cheapest, but still in the top 10, are models like the Lexus RC 300, Lexus ES 350, Genesis G70, and Cadillac CT4, with an average cost to insure of $2,492 per year or less.

Ranking between positions 10 and 20, cars like the Audi S3, Lexus IS 350, Lexus RC 350, Cadillac CT5, BMW 330e, and BMW 228i average between $2,492 and $2,658 to insure per year in Sioux Falls.

Full-coverage insurance for this segment in Sioux Falls for an average middle-age driver can cost as low as $176 per month, depending on the company and where you live.

If rates are ranked by vehicle size, the cheapest small luxury car to insure in Sioux Falls is the Acura Integra at $2,108 per year, or $176 per month. For midsize luxury cars, the Mercedes-Benz CLA250 has the cheapest rates at $2,440 per year, or $203 per month. And for large luxury cars, the Audi A5 is the cheapest model to insure at $2,818 per year, or $235 per month.

The table below ranks the twenty cars with the cheapest average auto insurance rates in Sioux Falls, starting with the Acura Integra at $2,108 per year ($176 per month) and ending with the Audi S3 at $2,658 per year ($222 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Sioux Falls car insurance quotes from the best car insurance companies in South Dakota.

Cheapest luxury SUV insurance rates in Sioux Falls

Ranking at the top for the most affordable Sioux Falls auto insurance rates in the luxury SUV segment are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Car insurance prices for these 2024 models average $187 or less per month.

Other luxury SUVs that have cheaper rates include the Lexus NX 350h, Lexus NX 450h, Mercedes-Benz GLB 250, and Lincoln Corsair, with average insurance cost of $2,286 per year or less.

In the lower half of the top 20 luxury SUVs to insure, SUVs like the Acura MDX, Lexus RX 350, Mercedes-Benz GLA35 AMG, Infiniti QX50, and Infiniti QX60 average between $2,286 and $2,380 per year to insure.

On a monthly basis, full-coverage auto insurance in this segment for an average middle-age driver starts at an average of $165 per month, depending on the company and your location.

The cheapest small luxury SUV to insure in Sioux Falls is the Acura RDX at $1,982 per year. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,218 per year. And for large luxury SUVs, the Infiniti QX80 is most affordable to insure at $2,658 per year.

The table below ranks the twenty SUVs with the cheapest car insurance rates in Sioux Falls, starting with the Acura RDX at $165 per month and ending with the Lexus RX 350 at $198 per month.

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 and click the orange ‘GO’ button to get free car insurance quotes from the best companies in South Dakota.

The highs and lows of Sioux Falls car insurance

In order to reinforce how much the cost of identical car insurance can fluctuate for different applicants (and also emphasize the importance of accurate rate quotes), the charts below show a wide range of car insurance rates for three popular models in Sioux Falls: the Ford F150, Nissan Sentra, and Honda CR-V.

Each example uses a range of risk profiles to show how rates have significant variation for the different scenarios.

Ford F150 insurance rates

Ford F150 insurance in Sioux Falls averages $2,654 per year, with a range of $2,226 per year for the F150 XL Super Cab 4WD trim level up to $3,082 per year for the F150 Lightning Platinum Black Special Edition trim.

When Sioux Falls auto insurance rates on a Ford F150 are compared to the national average cost for the same model, rates are $28 to $38 more expensive per year in Sioux Falls, depending on which trim level is insured.

From a cost per month standpoint, auto insurance rates on a Ford F150 for a safe driver can cost from $186 to $257 per month, depending on the car insurance company and your Zip Code in Sioux Falls.

The next rate chart may be useful to help you comprehend how insurance quotes for a Ford F150 can range considerably based on driver age and policy risk profiles.

In this example, cost varies from $2,198 to $6,128 per year, which is a price difference of $3,930 per year just due changes in driver risk.

The Ford F150 is part of the full-size truck segment, and other popular models include the Nissan Titan, GMC Sierra, and Ram Truck.

Nissan Sentra insurance rates

In Sioux Falls, the most affordable insurance quotes on a 2024 Nissan Sentra are on the S model, costing an average of $2,126 per year, or around $177 per month. This model has a sticker price of $20,630.

The most expensive 2022 Nissan Sentra model to insure in Sioux Falls is the SR model, costing an average of $2,234 per year, or around $186 per month. The retail price for this trim level is $23,720, not including documentation and destination fees.

On a monthly basis, car insurance rates for the Nissan Sentra can range from $177 to $186 per month, depending on the car insurance company and where you live in Sioux Falls.

The next rate chart demonstrates how insurance quotes on a Nissan Sentra can range considerably based on a variety of different driver ages, policy deductibles, and potential risk scenarios.

The Nissan Sentra is part of the compact car segment, and other models in that segment include the Hyundai Elantra, Honda Civic, Volkswagen Jetta, and Chevrolet Cruze.

Honda CR-V insurance rates

In Sioux Falls, the least-expensive insurance quotes on a 2024 Honda CR-V are on the LX trim version, costing an average of $1,918 per year, or around $160 per month. This model costs $29,500.

The most expensive 2022 Honda CR-V trim level to insure in Sioux Falls is the Sport Touring Hybrid AWD model, costing an average of $2,134 per year, or about $178 per month. The retail cost for this model is $39,850, not including documentation and destination fees.

From a cost per month standpoint, auto insurance quotes for a Honda CR-V for a safe driver can range from $160 to $178 per month, depending on exactly where you live in Sioux Falls.

The next rate chart illustrates how the cost of insurance for a Honda CR-V can be significantly different based on driver age, policy physical damage deductibles, and risk scenarios.

The Honda CR-V is classified as a compact SUV, and other models from that segment that are popular in Sioux Falls include the Ford Escape, Mazda CX-5, Chevrolet Equinox, and Subaru Forester.

Tips for getting cheaper Sioux Falls car insurance quotes

Shrewd drivers in Sioux Falls are often looking to reduce their monthly auto insurance expenses, so browse the money-saving ideas in this next list and maybe you’ll find a way to save some money insuring your vehicle.

• Citations and violations increase insurance cost. If you want the cheapest auto insurance in Sioux Falls, it pays to be an excellent driver. As few as two traffic violations have the ramification of spiking insurance policy cost as much as $630 per year.
• Your choice of occupation could reduce your rates. Some auto insurance companies offer policy discounts for being employed in occupations like college professors, emergency medical technicians, high school and elementary teachers, nurses, accountants, and others. By getting this discount, you may save between $71 and $231 on your annual insurance cost, depending on your policy.
• Compare the cost of insurance before buying a car. Different cars can have very different insurance premiums, and auto insurance companies can sell coverages with a wide range of prices. Get plenty of quotes to compare the cost of insurance before you buy a new car to prevent insurance sticker shock when you get the bill.
• Raising deductibles results in a cheaper policy. Increasing your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Remain claim free. Most auto insurance companies give a discount if you have no claims on your account. Auto insurance should only be used to protect you from significant financial loss, not nickel-and-dime type claims.
• Improve your credit to save money. Having a credit score over 800 could save $373 per year versus a good rating of 670-739. Conversely, a lower credit rating could cost around $432 more per year. Not all states use credit score as a rating factor, so check with your agent or company.