Cheapest Car Insurance In Rapid City, SD 2025
State Farm ranks as the most economical option in Rapid City for minimum coverage, costing an average of $36 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance costs in Rapid City, SD, can vary dramatically, making it important to compare your choices.
State Farm leads with the lowest prices for liability-only policies, while State Farm again offers competitive full coverage rates. For young drivers, State Farm also delivers the most cost-effective option.
Cheapest Car Insurance Companies In Rapid City, SD 2025
Cheapest Full Coverage Insurance Rates In Rapid City: State Farm
State Farm delivers the cheapest full coverage rates in Rapid City, with an average cost of $111 a month.
See the table below for a breakdown of average car insurance quotes from budget insurers in Rapid City.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $111 | $1,332 |
| Progressive | $180 | $2,160 |
| Nationwide | $195 | $2,340 |
| GEICO | $202 | $2,424 |
| American Family | $186 | $2,232 |
Cheapest Liability-only Car Insurance In Rapid City: State Farm
At an average of $36 per month, State Farm is the most affordable insurer for minimum car insurance coverage in Rapid City.
Review the table below to see how rates vary among different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $36 | $432 |
| GEICO | $41 | $492 |
| Progressive | $39 | $468 |
| Nationwide | $66 | $792 |
| Farmers | $64 | $768 |
Cheapest Rates In Rapid City For Teenagers: State Farm
Teens in Rapid City can find the most affordable car insurance with State Farm, costing $396 a month on average.
See the table below for a breakdown of the cheapest insurance providers for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $396 | $4,750 |
| GEICO | $483 | $5,792 |
| Nationwide | $447 | $5,361 |
| Farmers | $497 | $5,960 |
| Auto-Owners | $545 | $6,540 |
Cheapest Car Insurance Rates For Seniors: State Farm
At $117 per month on average, State Farm provides the cheapest car insurance rates for seniors in Rapid City.
This table compares average rates from the most affordable auto insurance providers for senior citizens.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $117 | $1,401 |
| Nationwide | $118 | $1,420 |
| Auto-Owners | $197 | $2,360 |
| GEICO | $168 | $2,020 |
| Farmers | $164 | $1,970 |
Cheapest Auto Insurance For Young Adults in Rapid City: State Farm
State Farm leads in affordability for young adults in Rapid City, offering average monthly premiums of $179.
See the table below for a breakdown of the cheapest car insurance rates for young adults in Rapid City.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $179 | $2,142 |
| GEICO | $228 | $2,737 |
| Nationwide | $229 | $2,750 |
| Auto-Owners | $364 | $4,370 |
| Farmers | $259 | $3,110 |
Cheapest Car Insurance In Rapid City For Good Drivers: State Farm
In Rapid City, good drivers can find the lowest-priced car insurance with State Farm, at around $36 per month.
The table below offers a comparison of average quotes from budget-friendly insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $36 | $432 |
| GEICO | $41 | $492 |
| Progressive | $39 | $468 |
| Nationwide | $66 | $792 |
| Farmers | $64 | $768 |
Find affordable Rapid City rates
Cheapest For Drivers With After At-Fault Accident: State Farm
For drivers who have been in an at-fault accident, State Farm provides the lowest rates, averaging $119 per month.
These are the car insurance providers with the lowest rates for drivers who have an at-fault accident in their past.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $119 | $1,420 |
| Nationwide | $162 | $1,940 |
| Farmers | $230 | $2,764 |
| Allstate | $249 | $2,992 |
| Progressive | $302 | $3,621 |
Cheapest Rates In Rapid City For Drivers After A DUI: State Farm
For drivers in Rapid City with a DUI, State Farm offers the best rates, with an average cost of $113 per month.
The following table displays the cheapest car insurance options available to Rapid City drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $113 | $1,356 |
| Farmers | $233 | $2,796 |
| Progressive | $249 | $2,983 |
| Allstate | $311 | $3,730 |
| Nationwide | $238 | $2,856 |
Cheapest Car Insurance In Rapid City After A Speeding Ticket: State Farm
In Rapid City, State Farm delivers affordable rates for drivers with a speeding ticket, averaging $113 monthly.
Find average insurance rates for drivers with a speeding ticket by referring to the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $113 | $1,347 |
| GEICO | $134 | $1,610 |
| Allstate | $193 | $2,318 |
| Nationwide | $143 | $1,712 |
| Progressive | $250 | $2,998 |
Best Car Insurance Companies In Rapid City
In Rapid City, State Farm offers the most budget-friendly car insurance, with rates starting at $36 a month. Consider Progressive at $39 or GEICO at $41 as other affordable options.
The following table lists the top 10 auto insurance companies in Rapid City, SD, ranked by their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $36 |
| GEICO | $41 |
| Progressive | $39 |
| Nationwide | $66 |
| Farmers | $64 |
| Auto-Owners | $72 |
| Allstate | $67 |
| Farmers Mutual | $58 |
| Iowa Farm Bureau | $60 |
| North Star Mutual | $38 |
| USAA | $25 |
Average Cost Of Auto Insurance In Rapid City – By Zip Code
Zip codes help insurers evaluate crime risks in a specific area, leading to variations in car insurance rates.
Use the table below to find the average car insurance rates for each zip code in Rapid City.
| City | Average Monthly Rate |
| 57703 | $113 |
| 57702 | $132 |
| 57701 | $106 |
Average Auto Insurance Rates In Rapid City – By Age
Age is a major factor when it comes to car insurance costs. Teen drivers often face higher premiums because of their inexperience and the increased probability of accidents and violations. Teens typically pay about $1,668 each year for insurance.
Once drivers turn 25, they often qualify for lower insurance rates, assuming their driving record remains clean.
The most competitive insurance rates are usually available to drivers in their 50s and early 60s, with insurers using age to evaluate experience and risk, which directly affects premium pricing.
| Age | Average Yearly Rate |
| Teenagers | $1,668 |
| 20s | $1,944 |
| 30s | $1,224 |
| 40s | $1,238 |
| 50s | $900 |
| 60s | $984 |
| 70s | $1,152 |
How Much Is Car Insurance In Other Cities in South Dakota?
Car insurance premiums are often higher in cities due to increased risks such as accidents, vehicle theft, and vandalism, which insurers factor into their pricing.
As an example, Chamberlain residents typically pay $176 a month for car insurance, while in Chester, the average is $103 per month.
| City | Average Monthly Rate |
| Brookings | $150 |
| Chamberlain | $176 |
| Aberdeen | $155 |
| Colton | $160 |
| Milbank | $158 |
| Aurora | $152 |
| Ashton | $165 |
| Brandon | $152 |
| Huron | $164 |
| Chester | $103 |
Average Rates In Rapid City – By Vehicle
The make, model, year, and body type of your vehicle are all important factors in determining your insurance premiums. Newer cars, particularly high-end models with advanced technology, tend to have higher rates because of their replacement costs.
The table below lists the average insurance rates in Rapid City for different types of cars.
| Vehicle | Average Monthly Rate |
| Ford F150 | $159 |
| Ram 1500 | $111 |
| Kia Forte | $105 |
| Chrysler 300 | $84 |
| Ford Ecosport | $255 |
Find affordable Rapid City rates
Our Methodology
Through an analysis of key factors such as product variety, customer ratings, pricing, and insights from online reviews, I’ve built an in-depth picture of Rapid City's car insurance options.
Brands Reviewed
Years Of Experience
Research Hours
Quotes Analyzed
FAQs
Who has the lowest car insurance rates in Rapid City?
For Rapid City drivers seeking the least expensive coverage, State Farm provides the lowest rates for minimum coverage, and State Farm also offers the best full coverage rates with comprehensive and collision insurance.
What is the average cost of car insurance in Rapid City?
Rapid City drivers can expect to pay around $120 a month for car insurance, but the cost can vary depending on your location, car details, and driving record.
