Cheapest Car Insurance In Rapid City, SD 2024
Safeco is the most affordable choice for car insurance in Rapid City, averaging just $39 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for budget-friendly car insurance in Rapid City, SD, prices can differ widely, but Safeco is known for its low rates. Typically, locals can get insurance for around $105 a month, which is significantly below the state average of $112.
For the cheapest liability-only insurance, Safeco is the top pick. On the other hand, Midvale Home & Auto provides the best rates for full coverage at $115 a month. For young drivers, State Farm offers the lowest rates, at $140 per month.
Cheapest Car Insurance Companies In Rapid City, SD 2024
How Much Is Car Insurance In Rapid City, SD?
Safeco provides the most affordable car insurance in Rapid City, SD, with coverage available for just $39 per month.
As illustrated in the table below, Safeco’s rates are significantly lower than the average rates for both South Dakota and the entire United States:
| Area | Average Monthly Rate |
| National | $152 |
| South Dakota | $118 |
| Rapid City, SD | $105 |
Cheapest Full Coverage Car Insurance In Rapid City: Midvale Home & Auto
Midvale Home & Auto offers the lowest rates for full coverage car insurance in Rapid City, with an average cost of $115 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Midvale Home & Auto | $115 | $1,380 |
| AAA | $167 | $2,004 |
| Bristol West | $219 | $2,628 |
| Safeco | $119 | $1,428 |
| Dairyland | $186 | $2,232 |
Full coverage car insurance offers extensive protection that surpasses the minimum legal requirements. This type of insurance generally combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents like theft, vandalism, and natural disasters. Collision coverage, on the other hand, covers the cost of damages to your vehicle from accidents, regardless of who is at fault.
Cheapest Minimum Coverage Car Insurance In Rapid City: Safeco
Safeco is the most affordable option for minimum coverage car insurance in Rapid City, with an average cost of $39 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $39 | $468 |
| Dairyland | $60 | $720 |
| AAA | $75 | $900 |
| Midvale Home & Auto | $58 | $696 |
| Bristol West | $84 | $1,008 |
In South Dakota, the minimum car insurance requirement is 25/50/25. This means your policy must include at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Having the minimum car insurance gives you some protection on the road, but it doesn’t cover collision or comprehensive insurance. Therefore, damages to your own vehicle from accidents, theft, or natural disasters will not be covered.
Cheapest Car Insurance In Rapid City For Seniors: State Farm
State Farm offers the most affordable car insurance for seniors in Rapid City, with average rates of $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $75 | $900 |
| Farmers | $83 | $996 |
| Farmers Mutual of Nebraska | $86 | $1,032 |
| American Family | $94 | $1,128 |
| Auto-Owners Insurance Co | $95 | $1,140 |
In South Dakota, seniors can often secure favorable car insurance rates due to various beneficial factors. While age is generally considered when determining insurance rates, with older age sometimes linked to reduced driving skills, this assumption does not apply to everyone.
Cheapest Car Insurance In Rapid City For Young Adults: State Farm
State Farm provides the most affordable quotes for young adults in Rapid City, with rates averaging around $140 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $140 | $1,680 |
| Farmers Mutual of Nebraska | $158 | $1,896 |
| American Family | $153 | $1,836 |
| Farmers | $169 | $2,028 |
| Auto-Owners Insurance Co | $150 | $1,800 |
In Rapid City, young adult drivers usually enjoy lower car insurance rates than teenagers. This difference in pricing is because as drivers mature, their driving habits improve and they tend to take fewer risks.
Statistically, young adults are less prone to filing insurance claims, indicating a decrease in accidents. As a result, insurance companies lower premiums for these more experienced drivers, acknowledging their improved safety records and reduced likelihood of claims.
Cheapest Auto Insurance Rates In Rapid City For Teenagers: Farmers
Teenage drivers in Rapid City will find the lowest rates with Farmers, where average monthly premiums are $128.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farmers | $128 | $1,692 |
| American Family | $149 | $1,788 |
| State Farm | $131 | $1,572 |
| Farmers Mutual of Nebraska | $164 | $1,968 |
| Auto-Owners Insurance Co | $132 | $1,584 |
Teenage drivers typically encounter the highest car insurance premiums, mainly due to their lack of driving experience. Insurers view these young drivers as high-risk because they are statistically more likely to be involved in accidents and violate traffic laws.
Cheapest Car Insurance Companies In Rapid City For Drivers With Prior Incidents
In Rapid City, drivers with traffic violations like accidents, speeding, or DUIs often struggle to find affordable car insurance. These infractions cause insurers to classify them as high-risk, indicating a higher likelihood of future claims.
As a result, insurance companies raise their rates for these drivers to offset the potential for increased claim payouts.
Cheapest Car Insurance In Rapid City After A Speeding Ticket: Safeco
Safeco is significantly more affordable than other companies, with average rates of $79 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $79 | $984 |
| CSAA | $108 | $1,296 |
| Bristol West | $109 | $1,308 |
| Dairyland | $81 | $972 |
Cheapest Car Insurance In Rapid City After At-Fault Accident: Safeco
Safeco provides the most affordable car insurance for drivers with an at-fault accident, averaging $78 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $78 | $936 |
| Bristol West | $101 | $1,212 |
| Dairyland | $96 | $1,152 |
| CSAA | $111 | $1,332 |
Cheapest Car Insurance In Rapid City For Drivers After A DUI: Safeco
Safeco offers the lowest rates for drivers with a DUI, with average monthly premiums of $110 for drivers in Rapid City.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $110 | $1,320 |
| Dairyland | $117 | $1,404 |
| CSAA | $120 | $1,440 |
| Bristol West | $138 | $1,656 |
Best Car Insurance Companies In Rapid City
In Rapid City, selecting the appropriate car insurance company involves both finding affordable rates and ensuring dependable protection while driving. Listed below are the top 10 car insurance companies in Rapid City, SD, ranked according to the average monthly rates they provide.
| Company | Monthly Premium |
| Safeco | $39 |
| Auto-Owners Insurance Co | $104 |
| Allied | $149 |
| Farmers Mutual of Nebraska | $118 |
| Farmers | $120 |
| American Family | $111 |
| Allstate | $157 |
| State Farm | $105 |
| Buckeye Insurance Group | $159 |
| Farm Bureau Mutual (IA Group) | $120 |
Average Cost Of Car Insurance In Rapid City – By Age
| Age | Average Yearly Rate |
| Teenagers | $1,608 |
| 20s | $1,788 |
| 30s | $1,188 |
| 40s | $1,104 |
| 50s | $804 |
| 60s | $1,020 |
| 70s | $1.032 |
Age plays a crucial role in setting car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums because of their lack of experience and higher chances of accidents and traffic offenses. However, as drivers reach 25, their rates typically begin to drop, provided they maintain a clean driving record.
The most advantageous insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a measure of driving experience and risk, which affects premium costs.
Average Cost Of Auto Insurance In Rapid City – By Zip Code
| City | Average Monthly Rate |
| 57701 | $98 |
| 57702 | $126 |
| 57703 | $106 |
How Much Is Car Insurance In Other Cities in Rapid City?
| City | Average Monthly Rate |
| Brookings | $106 |
| Chamberlain | $58 |
| Aberdeen | $109 |
| Colman | $106 |
| Milbank | $84 |
| Aurora | $106 |
| Rapid City | $110 |
| Brandon | $129 |
| Huron | $111 |
| Chester | $103 |
Where you live greatly affects how much you pay for car insurance. Insurance companies look at different factors about your location, like the chances of accidents, car theft, and vandalism rates. These risks are usually higher in cities, which means you might have to pay more for insurance.
Average Cost Of Car Insurance In Rapid City – By Vehicle
| Vehicle | Average Monthly Rate |
| 1996 Ford F150 | $152 |
| 2007 Toyota Camry | $119 |
| 2021 Kia Forte | $105 |
| 2007 Chrysler 300 | $84 |
| 2020 Ford Ecosport | $247 |
The car you drive has a significant impact on your car insurance expenses. Insurance companies consider factors like the make, model, year, and body type of the vehicle. Typically, newer cars, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
On the other hand, older vehicles or those that are less expensive to repair or replace might have lower premiums. Insurers take these factors into account because they directly affect the potential cost of claims. For example, repairs for a high-end car are usually more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
Our Methodology
Using a thorough approach that includes examining customer service ratings, product choices, pricing, and assessing various online review platforms and user feedback, I've created a detailed overview of the car insurance providers in Rapid City, SD.
Brands Reviewed
Years Of Experience
Research Hours
Quotes Analyzed
FAQs
Who has the lowest car insurance rates in Rapid City?
Safeco provides the most affordable car insurance rates in Rapid City for the minimum coverage mandated by South Dakota, while Midvale Home & Auto offers the best rates for full coverage, including comprehensive and collision coverage.
What is the average cost of car insurance in Rapid City?
In Rapid City, the typical monthly cost for car insurance is around $105. However, these rates can change depending on factors such as your zip code, the year and model of your car, your driving history, and other relevant details.
