Rapid City Auto Insurance Rates, Quotes, Agents & Reviews in SD

Rapid City, SD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rapid City, SD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Rapid City, SD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Rapid City, SD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rapid City, SD with that of other cities in and around Rapid City.

Rapid City Green Valley Colonial Pine Hills Ashland Heights Central Pennington Blackhawk
Average Insurance Rates $1,197 $1,403 $1,516 $2,027 $1,392 $1,390

Rapid City, SD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Rapid City, SD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Rapid City $1,127 $952
Rapid Valley $1,103 $932
Green Valley $2,058 $1,738
Central Pennington $1,098 $927
Colonial Pine Hills $1,210 $1,022
Ashland Heights $2,088 $1,763
Box Elder $1,103 $932
Blackhawk $1,118 $944

Rapid City, SD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rapid City, SD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,884
20 Years $1,538
30 Years $1,185
40 Years $1,140
50 Years $1,055
60 Years $1,070
70 Years $1,246

Rapid City, SD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rapid City, SD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,059 $335
3 Vehicles $3,088 $503
4 Vehicles $4,118 $670

Savings on 2 Vehicles bundle:$335

Savings on 3 Vehicles bundle:$503

Savings on 4 Vehicles bundle:$670


Rapid City, SD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Rapid City, SD.

Location Average Insurance Cost Post DUI Insurance Rate
Rapid City $1,197 $2,102
Rapid Valley $1,397 $2,453
Green Valley $1,403 $2,463
Central Pennington $1,392 $2,444
Colonial Pine Hills $1,516 $2,662
Ashland Heights $2,027 $3,559
Box Elder $1,377 $2,418
Blackhawk $1,390 $2,441

Rapid City, SD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,027
Excellent (740-799) $1,172
Good (670-739) $1,247
Average (580-669) $1,627
Poor (300-579) $1,952

Rapid City, SD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
First Western Insurance Agency Inc Liberty Mutual Independent 2630 JACKSON BLVD STE 202, RAPID CITY, 57702 (605) 348-9800
Gregg Fullerton State Farm 1219 St Joe St Ste 200, Rapid City, 57701-2669 605-791-4460
Farmers Union Insurance Agency None Po Box 74 Piedmont, Rapid City, 57769 None
Farmers Union Insurance Agency None Po Box 74 Piedmont, Rapid City, 57769 None
Farmers Union Insurance Agency None Po Box 74 Piedmont, Rapid City, 57769 None
Agents Of Insurance Inc Liberty Mutual Independent 2693A COMMERCE RD, RAPID CITY, 57702 (605) 348-7788
Agents Of Insurance Inc Liberty Mutual Independent 2693A COMMERCE RD, RAPID CITY, 57702 (605) 348-7788
Jodi Garcia State Farm 1230 North Ave Ste 2, Spearfish, 57783-1572 605-642-8352
Terrance Tj Monlux Farmers 4940 5th St Ste 1c, Rapid City, 57701 (605) 646-3777

Rapid City, SD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$53 $1,250
Driver's Failure In Showing Documents +$116 $1,313
Driving With An Expired Registration +$123 $1,320
Driving At A Considerably Slow Pace +$260 $1,457
Using A Cellphone While Driving +$274 $1,471
Running A Red Light +$279 $1,476
Speeding +$293 $1,490
Driving A Vehicle Without The Required Permission +$372 $1,569
Driving With An Expired/Suspended License +$807 $2,004

Rapid City, SD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,149
Active Disabling Device $1,149
Tracking Device $1,125
Passive Disabling Device $1,113

Latest Auto Insurance Reviews in Rapid City, SD | Back to Top

State Farm
Since, my home insurance and car insurance companies are the same, I believe that their offerings are fair
Progressive
The only time I had to call was when I had an accident a few years ago and I was very satisfied with the customer service. The agent was courteous, knowledgeable and friendly, and answered all of my questions.
Progressive
they have always been helpful and willing to resolve any concerns i have
Progressive
They were willing to provide me a discount when I asked for a price match with other company's I was considering. They seemed to have more options available, too.
Progressive
They were willing to provide me a discount when I asked for a price match with other company's I was considering. They seemed to have more options available, too.
State Farm
The premium compared to other companies is extremely competitive and in my opinion better. The cost is great for the value provided.