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Best Local Car Insurance Agencies in South Dakota

Our Recommended Top 16

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Our goal is to connect people with the best local professionals. We scored South Dakota local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

523Reviewed

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16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Review Sources

Google
4.6 (38)
Yelp
3.0 (2)

Why choose this provider?

Customers in South Dakota and the neighboring areas can use the services of Kouri Insurance Agency. It is a Trusted Choice independent agency with a history dating back to 1970. Auto, motorbike, house, life, business, and personal umbrella insurance are among the goods offered by the firm. Its agents customize each policy to meet the demands of the customer and protect their most important possessions. The corporation sponsors and volunteers for many local groups to give back to the community.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Platinum Insurance Group is an independent agency that serves clients in South Dakota. It offers car insurance policies that provide collision, comprehensive, liability, medical expenses, and uninsured motorist coverage options. The agency also offers insurance for houses, boats, and motorcycles through a number of insurance companies, including Safeco, Progressive, and Travelers. Owner Janelle Goeden established the agency in 2014. She started her career in the insurance industry in 2007. She and agent Rebecca DeSersa have more than 15 years of combined insurance industry experience.

Best Local Car Insurance Agencies Serving South Dakota
Rapid City

Expertise.com Rating

Review Sources

Facebook
4.6 (13)
Google
4.6 (10)

Why choose this provider?

Western Dakota Insurors is a South Dakota-based independent agency that serves clients across the state. It offers custom insurance products for car owners. The agency also sets up insurance plans for owners of RVs, motorcycles, ATVs, and campers. Its other services include developing a risk-mitigating strategy for business owners and managing insurance products like workers' compensation and general liability plans. One of its agents, Susan Hencey, is the former president of the South Dakota Independent Insurance Association. She has over three decades of industry experience.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Pillar Insurance is an independent agency that has been serving South Dakota communities since 1987. It offers personal and commercial auto insurance policies that can protect policyholders from financial losses as a result of personal injury and/or structural damage to the insured vehicle. Its team of professionals educates clients about the coverage options to help them in crafting the best policy based on their needs and preferences. In addition to representing regional and national insurance providers, the agency insures homeowners, businesses, and recreational vehicles.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Review Sources

Google
3.9 (7)

Why choose this provider?

North Central Insurance, which has been serving South Dakota since 1986, is a locally owned and run agency. Auto insurance, which covers accident, comprehensive, and liability coverage, is part of its personal line of products. Its team also designs policies that cover incidents caused by uninsured motorists because it has access to plans from numerous providers. Joe Kolb, a Certified Insurance Counselor, leads North Central Insurance. He is a former president of the South Dakota Independent Insurance Agents.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Review Sources

Google
4.4 (13)
Facebook
5.0 (7)

Why choose this provider?

Insurance Express Agency, LLC, is a locally owned business that serves customers in South Dakota. It specializes in providing auto, home, dental, life, and health insurance, in addition to professional liability coverage. Its auto insurance policy covers property damage and bodily injury liability. This policy includes rental car reimbursement, roadside assistance, and uninsured motorist coverage. The company represents a variety of carriers, including Foremost, Safeco, Progressive, Primero, and Dairyland Auto.

Best Local Car Insurance Agencies Serving South Dakota
Rapid City

Expertise.com Rating

Review Sources

Google
4.8 (26)

Why choose this provider?

Black Hills Insurance Agency is a family-owned independent company that has been operating in South Dakota since 1949. It offers auto insurance policies for cars, motorcycles, boats, recreational vehicles, and collector & antique cars. Its team of professionals represents the best insurance carriers including Accident Fund, Professional Solutions, and Liberty Mutual. The agency also provides risk management services for small business owners. It is active in the local community through its support for associations like the United Way Board and the Black Hills Workshop Foundation.

Best Local Car Insurance Agencies Serving South Dakota
Rapid City

Expertise.com Rating

Why choose this provider?

Herrmann Insurance Agencies is a local and independent company that has been serving South Dakota for almost 35 years. It offers personal and commercial auto insurance policies that include collision coverage, bodily injury liability, medical payments, and property damage liability. Its team of professionals also helps clients in crafting a policy for different types of vehicles such as cars, trucks, and motor homes. In addition, the agency offers insurance plans covering homes, hail damage, and workers' compensation.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Prins Insurance of Sioux Falls, Inc., is an independent brokerage that has been serving South Dakota since 1981. The company offers auto insurance products that protect clients' finances in the event of an accident. Its commercial auto insurance is available to help companies protect their vehicles and employees that are essential for business operations. Collision, comprehensive, bodily injury liability, medical costs, property damage, and uninsured and underinsured motorists are all covered under the auto insurance policy.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Serving South Dakota, Jensen Insurance & Real Estate is a fourth-generation agency that has been operating since 1944. Included in its products is auto insurance, which aids in recovering losses from collisions, floods, fire, vandalism, and theft. Its team also writes policies that include optional coverage for roadside assistance and towing. Nationwide, Farmers Mutual, and Auto-Owners insurance are some of the carriers the agents work with in order to find coverage options that will best suit clients' unique needs.

Best Local Car Insurance Agencies Serving South Dakota
Rapid City

Expertise.com Rating

Why choose this provider?

Jeff Johnson is a State Farm insurance agent based in South Dakota. He designs various types of protection plans, including car insurance, which reimburses losses in cases of collision, theft, vandalism, and fire. He also writes policies that cover car rental expenses and emergency road assistance. In addition, he offers homeowners' and renters' insurance. Johnson, who has been a State Farm insurance professional since 2012, has qualified for the company's Legion of Honor award for nine consecutive years.

Best Local Car Insurance Agencies Serving South Dakota
Rapid City

Expertise.com Rating

Why choose this provider?

Tom Berger is an insurance agent who serves customers in South Dakota. He has been working for Farm Bureau for more than 11 years, helping clients protect their assets through auto, home, and life insurance. His auto insurance policy aims to protect the policyholders and their families from injuries and damages resulting from motor vehicle accidents. Berger helps clients customize their coverage to fit their specific needs. He also offers wealth management and investment planning, assisting individuals in achieving their financial objectives.

Best Local Car Insurance Agencies Serving South Dakota
Rapid City

Why choose this provider?

Black Hills FCU - Rapid City (Downtown) MSC offers risk management solutions for individuals and businesses across South Dakota. Its agents write car insurance policies, which cover the property damage and bodily injuries policyholders are responsible for in addition to losses from accidents caused by uninsured drivers. They also customize plans for recreational vehicle drivers and homeowners. Black Hills FCU, which was established in 1944, gives back to the community and supports humanitarian and environmental ventures through its nonprofit organization, Black Hills FCU Charitable Fund.

Best Local Car Insurance Agencies Serving South Dakota
Rapid City

Expertise.com Rating

Why choose this provider?

AAA Rapid City provides one of th best risk management solutions for drivers in South Dakota. Its team offers three car insurance plans, including the Plus policy, which includes towing, lockout, and flat tire services. It also covers legal defense and trip interruption expense reimbursement in addition to bicycle coverage. The agents offer special accommodations for clients with cars that have theft recovery devices. They also furnish protection plans for owners of snowmobiles, sailboats, travel trailers, and all-terrain vehicles.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Since 2013, Ty Teveldal has been striving to provide the best insurance products to clients in South Dakota. He works with State Farm to help car owners insure their vehicles. Teveldal educates them regarding various protection options, like emergency roadside service and collision coverage. He also crafts policies for motorcycles, off-road vehicles, and motorhomes. His other services include setting up checking and savings accounts for his customers. Teveldal is a member of State Farm's President and Ambassador Club.

Best Local Car Insurance Agencies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Central States Insurance LLC is a local independently owned and operated agency that serves clients in South Dakota. It offers car insurance that provides coverage options, such as medical payments, liabilities, and towing services. Its team of insurance specialists also assists clients in selecting home, life, and business insurance plans from multiple carriers that include Dairyland, Foremost, and Kemper. The agency also has a Spanish-speaking representative. In addition, Central States Insurance offers insurance products and services in other several states, including Minnesota, Nebraska, and Iowa.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kouri Insurance Agency
6809 South Minnesota Avenue, Sioux Falls, SD 57108
Platinum Insurance Group
4009 West 49th Street, Sioux Falls, SD 57106
Western Dakota Insurors
816 5th Street, PO Box 1300, Rapid City, SD 57709
Pillar Insurance
3500 South Western Avenue, Sioux Falls, SD 57105
North Central Insurance
3700 South Western Avenue, Sioux Falls, SD 57105
Insurance Express Agency, LLC
423 South Minnesota Avenue, Sioux Falls, SD 57104
Black Hills Insurance Agency
820 Saint Joseph Street, Rapid City, SD 57701
Herrmann Insurance Agencies
821 Mount Rushmore Road, Rapid City, SD 57701
Prins Insurance of Sioux Falls, Inc.
4101 South Southeastern Avenue, Sioux Falls, SD 57103
Jensen Insurance & Real Estate
3701 West 49th Street, Sioux Falls, SD 57106
Jeff Johnson
1620 Mount Rushmore Road, Rapid City, SD 57701
Tom Berger
709 Omaha Street, Rapid City, SD 57701
Black Hills FCU - Rapid City (Downtown) MSC
200 Main Street, Rapid City, SD 57701
AAA Rapid City
815 Saint Joseph Street, Rapid City, SD 57701
Ty Teveldal
3928 South Western Avenue, Sioux Falls, SD 57105
Central States Insurance LLC
4305 South Louise Avenue, Sioux Falls, SD 57106

South Dakota Car Insurance Agency FAQs

  • What are the effects of a DUI on vehicle insurance in South Dakota?

    A DUI conviction in South Dakota will increase your annual auto insurance premiums by an average of $639. The average premium increase following a DUI in the United States is 72% higher. After a DUI conviction, insurance premiums typically increase more than after receiving a ticket for speeding, driving recklessly, or causing an accident. South Dakota has the least severe insurance penalties for DUI convictions.

  • Do insurance companies in South Dakota provide short-term policies?

    Yes, you can get short-term auto insurance in South Dakota. These policies are good for at least six months, but you can buy coverage for less time if you want to. Motorists who only need short-term car insurance can buy a six-month plan, cancel it before the end of the six months, and get a refund.

  • Do you need to purchase separate auto insurance for substitute vehicles in South Dakota?

    Not necessarily. If your insured vehicle is rendered inoperable due to breakdown, repair, servicing, loss, or destruction, your existing auto policy in South Dakota will cover a replacement or rental car. However, if you or a member of your family frequently drives a car that is not one of your insured vehicles, that vehicle is not covered by your insurance policy.

  • What grounds exist for an insurance provider to revoke a policy for auto insurance in South Dakota?

    After 60 days, insurance companies in South Dakota may only cancel an auto insurance policy for nonpayment of premium, suspension or revocation of a driver's license or motor vehicle registration of the named insured or any other operator who resides in the household or operates an automobile insured under the policy, or failure to comply with the 24/7 sobriety program.

  • How does coverage work if you add your teenager to your South Dakota auto insurance policy?

    If you add your teen to your South Dakota insurance policy, they will receive the same level of protection. Any driver listed in the policy has access to any vehicle, and the liability limits apply to all drivers. However, because teenage drivers are more likely to be involved in accidents, the policy's liability limits may need to be increased. As a result, if your current limits are insufficient to cover your entire net worth, a higher limit would be preferable.