Last updated:

Best Local Car Insurance Agencies in Rapid City, SD

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Rapid City 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.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

3312 Jackson Boulevard, Rapid City, SD 57702 Rating

Why choose this provider?

Kasey Keller is a Rapid City native that runs his own agency under Farmers Union Insurance. He assists clients in several areas including auto insurance. The agent works with national and regional insurance providers to help clients find a coverage type that will suit their needs. He also furnishes insurance packages that acknowledge accident forgiveness and safe drivers. In addition to auto insurance, Keller offers farm, life, and health insurance. He also helps clients with insurance claims.

  • Multiple Carriers

821 Mount Rushmore Road, Rapid City, SD 57701 Rating

Review Sources

4.0 (19)
5.0 (1)

Why choose this provider?

Herrmann Insurance Agencies is an insurance firm that has been serving the people of Rapid City for more than three decades. Its agents work with multiple insurance companies to help clients find a suitable auto insurance policy that will protect them and their vehicles in the event of an accident. Experienced and professional, they can find insurance plans for a variety of vehicles, including cars, motorcycles, recreational vehicles, ATVs, and boats. The company also provides life, health, and home insurance.

  • Multiple Carriers

816 5th Street, PO Box 1300, Rapid City, SD 57709 Rating

Review Sources

4.5 (8)
5.0 (6)

Why choose this provider?

West Dakota Insurors is a car insurance agency in Rapid City. RVs, campers, boats, ATVs, motorcycles, and collector cars are included in their coverage. The agency also offers other services such as surety bonds, errors & omissions, farm, professional malpractice, home, and loss control. Their team is made up of 20 agents from different backgrounds. The locally-owned agency was founded in 1979 and is a member of the National Association of Surety Bond Producers.

  • Multiple Carriers

38 Mount Rushmore Road, Custer, SD 57730 Rating

Review Sources

5.0 (5)
3.7 (3)
1.0 (1)

Why choose this provider?

Established in 1996, Starr Insurance is an independent insurance agency with offices in Mount Rushmore, Custer and Rapid City that specialize in auto, RV, home, umbrella, health and life insurance. The agency offers standard auto insurance with its six-type coverage for liabilities, bodily injury liability, medical payments, comprehensive, collision, and uninsured and underinsured motorist coverages. Its team of professional and licensed agents can quote for most types of insurance risks and can structure policies based on customer needs.

  • Bundling Option

1620 Mount Rushmore Road, Rapid City, SD 57701 Rating

Why choose this provider?

Jeff Johnson has been working as a State Farm insurance agent in Rapid City since 2012. His team of three professionals assists car owners in understanding available coverage options and getting car insurance plans. Car insurance policyholders can obtain financial compensation for losses associated with collisions, theft, hail, car rentals, and ridesharing companies. Johnson also offers home, life, health, property, and business insurance. He believes that developing long-lasting client relationships and providing insurance education are essential service values.

  • Multiple Carriers
  • Bundling Option

815 Saint Joseph Street, Rapid City, SD 57701 Rating

Review Sources

4.0 (46)

Why choose this provider?

AAA Rapid City assists clients with their auto insurance needs. Its team of agents insures vehicles aside from automobiles, ranging from boats, travel trailers, and motor homes to motorcycles. Furthermore, they offer protection bundles that cover both homes and cars in one plan. The insurance professionals also provide roadside emergency and claims assistance. AAA has been providing risk management solutions for more than a century. It also serves residents in Maryland, Oklahoma, Kansas, and New Jersey.

  • Home & Auto Insurance

820 Saint Joseph Street, Rapid City, SD 57701 Rating

Review Sources

4.8 (20)

Why choose this provider?

Black Hill Insurance Agency is a family-owned and independent company that provides personal and business insurance in Rapid City and the Black Hills area. Owned and operated by the Maguire siblings, Black Hill Insurance Agency offers auto, home, life, and health insurance under its personal line. They consult on auto insurance policies that include cars, motorcycles, boats, antique cars, and recreational vehicles. Started in 1949, the agency continues to serve the community by supporting Black Hills Workshop Foundation and Black Hills Children’s Home Society.

  • Multiple Carriers

709 Omaha Street, Rapid City, SD 57701 Rating

Review Sources

5.0 (9)

Why choose this provider?

Tom Berger is a Farm Bureau Financial Services car insurance agent who serves clients in Rapid City. He considers automobile insurance as a way to protect automobile owners and their investments from damages or injuries caused by motor vehicle accidents. His team of automobile insurance agents offers insurance coverage for drivers of minivans, motorcycles, recreational vehicles, and farm trucks. He has been a Farm Bureau insurance agent for 11 years. He retired from the United States Air Force in 1999.

  • Home & Auto Insurance
  • Home Insurance

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kasey Keller
3312 Jackson Boulevard, Rapid City, SD 57702
Herrmann Insurance Agencies
821 Mount Rushmore Road, Rapid City, SD 57701
Western Dakota Insurors
816 5th Street, PO Box 1300, Rapid City, SD 57709
Starr Insurance
38 Mount Rushmore Road, Custer, SD 57730
Jeff Johnson
1620 Mount Rushmore Road, Rapid City, SD 57701
AAA Rapid City
815 Saint Joseph Street, Rapid City, SD 57701
Black Hills Insurance Agency
820 Saint Joseph Street, Rapid City, SD 57701
Tom Berger
709 Omaha Street, Rapid City, SD 57701


  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Is uninsured motorist insurance required in Rapid City?

    Under South Dakota law, Rapid City drivers are required to carry uninsured motorist insurance. The primary objective of this insurance is to guarantee that drivers can obtain compensation without resorting to legal measures against the responsible party, whether it be an uninsured motorist or a hit-and-run driver. This insurance category provides coverage for both drivers and their passengers.

  • How do car insurance rates in Rapid City vary based on the age of the driver?

    On average, young drivers in Rapid City pay the highest premiums, shelling out approximately $277 per month. In contrast, individuals in their 30s enjoy lower monthly premiums of $130, primarily because of their driving experience and loyalty discounts. For those in their 60s, premium costs decline to just $118 per month.

  • Do insurance rates vary significantly depending on the housing situation of Rapid City motorists?

    Yes. Rapid City motorists who rent their homes pay an average of $60 per month for their car insurance, whereas homeowners incur a lower cost of $43 monthly. Individuals who live with their parents pay the highest average monthly car insurance premium, amounting to $128. An effective strategy for reducing car insurance expenses is to bundle home or rental insurance with an automobile insurance policy.

  • What is the difference between state minimum liability and full coverage car insurance in Rapid City?

    The minimum coverage mandated by South Dakota state law is state minimum liability coverage. This coverage consists of bodily injury liability and property damage liability. In contrast, full coverage car insurance extends beyond this baseline requirement and includes third-party coverage, like first-party benefits such as collision and comprehensive coverage. Comprehensive pays for other damages incurred by Rapid City drivers, such as theft and natural disasters.

  • Do Rapid City motorists need more than the minimum car insurance coverage required by the state of South Dakota?

    Yes, because damages from serious accidents can exceed the costs covered by the state-mandated minimum coverage limits. Although South Dakota's minimum car insurance requirement of 25/50/25 is affordable for Rapid City drivers, it poses a potential risk of leaving drivers with inadequate coverage. It is recommended that drivers consider enhancing their policies by opting for higher liability limits, such as 50/100/50 or 100/300/100 liability coverage.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.