Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in South Dakota

Our Recommended Top 17

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 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.

524

Reviewed

321

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (38)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rapid City

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rapid City

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rapid City

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rapid City

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (13)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Rapid City

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

Why choose this provider?

McKinney Olson Insurance - Lyncrest PI is an agency that caters to South Dakota clients. It helps motorists mitigate financial losses related to accidents through auto insurance products. The agency offers a wide range of protection options, from liability and collision to accident forgiveness and towing coverage. Its other insurance products include ATV, snowmobile, RV, and motorcycle plans. The agency's president, Amy Olson-Miller, served as a claim adjuster for the firm St. Paul Fire and Marine. She holds a Certified Insurance Counselor designation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sioux Falls

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
––
Friendliness
Helpfulness
Detail

Website
Rapid City

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.

  • 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.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.