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Cheapest car insurance in Rapid City, South Dakota

South Dakota requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Filed per-carrier data
Methodology → All of South Dakota →

Pulled directly from carrier rate filings for this city.

Rapid City is a smaller market, 78,908 residents, so filed data can take longer to catch up when a carrier changes pricing. The spread here is wide, 54% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 14% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Farmers Mutual of NebraskaFiled rate, credit/record adjusted $102.49
02 USAAFiled rate, credit/record adjusted $118.64
03 State FarmFiled rate, credit/record adjusted $167.94
04 ProgressiveFiled rate, credit/record adjusted $188.63
05 NationwideFiled rate, credit/record adjusted $194.37
06 AllstateFiled rate, credit/record adjusted $208.32
07 GEICOFiled rate, credit/record adjusted $209.74
08 FarmersFiled rate, credit/record adjusted $211.86
09 Auto-OwnersFiled rate, credit/record adjusted $223.62
Rate explainer
Why is your best rate $102.49 and not $209.31?

Rapid City is priced against 9 insurers for the 25-55 driver, Full coverage, Excellent credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$3.19
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Excellent (modeled) $-31.87
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.