🚗 Car insurance cost in Sioux Falls, SD (2027)

Estimated average: $1,828 per year — -15% vs. the U.S. average of $2,150.

By EPG Digital Editorial Team · Editorial & research teamUpdated September 2026 · Reviewed for accuracy by our editorial team
Cars on a street, representing auto insurance coverage — Sioux Falls, South Dakota
Car insurance in Sioux Falls is estimated at $1,828 per year, near the South Dakota average. Photo: Jeremy Segrott from Cardiff, Wales, UK (CC BY 2.0)

With about 202,078 residents, Sioux Falls is a large city and the largest city in South Dakota. Car insurance rates here are estimated at $1,828 per year, near the South Dakota average of $1,828 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Sioux Falls with other South Dakota cities.

$1,828
Est. car insurance in Sioux Falls
per year
$1,828
South Dakota average
$2,150
U.S. average
202,078
Population

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Sioux Falls car insurance estimator

Estimated$3,199/year

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Sioux Falls car insurance FAQ

How much is car insurance in Sioux Falls, SD?

The estimated average is $1,828 per year — about the state average (0% vs. the South Dakota average of $1,828, and -15% vs. the U.S. average).

Is car insurance more expensive in Sioux Falls than elsewhere in South Dakota?

Sioux Falls has about 202,078 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.

How do I get the cheapest car insurance in Sioux Falls?

Compare at least three quotes from insurers active in Sioux Falls, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.

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