Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Sioux Falls

Our Recommended Top 12

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 Sioux Falls 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.

99Reviewed

64Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6809 South Minnesota Avenue, Sioux Falls, SD 57108

Expertise.com Rating

Review Sources

Google
4.3 (16)
Yelp
3.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Kouri Insurance Agency is a company of insurance professionals and brokers in Sioux Falls that provides insurance products to residents in the metro and surrounding areas. The locally-owned company started operations in 1970 and has since written auto insurance policies for clients seeking to financially protect themselves and their vehicles from damage, liabilities, and losses. Kouri Insurance is a Trusted Choice agent and is proactive in delivering personal, home, and business lines to its clients.

  • Motorcyle & ATV

7001 South Lyncrest Place, Sioux Falls, SD 57108

Expertise.com Rating

Review Sources

Google
4.8 (12)

Why choose this provider?

McKinney Olson Insurance in Sioux Falls assists clients in securing auto insurance. Its agents write car insurance policies that may include comprehensive coverage, personal injury protection, and rental reimbursement. They work with a number of carriers to provide car owners with coverage options. Such carriers include Auto-Owners Insurance, MetLife, and Nationwide. McKinney Olson Insurance is a 27-person team that has more than 600 years of combined experience in the industry.

  • Bundling Option

423 South Minnesota Avenue, Sioux Falls, SD 57104

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (3)

Why choose this provider?

Insurance Express Agency, LLC, is a locally owned independent insurance company based in Sioux Falls. It offers auto insurance policies that give liability, bodily injury, property damage, and uninsured and underinsured coverages. Other coverage options, such as comprehensive, collision, roadside assistance, and rental car reimbursement can also be included in the policies. Additionally, SR-22 filing services for high-risk drivers are available. Insurance Express Agency is a Trusted Choice agency that shops from multiple highly rated carriers.

  • Bundling Option

2921 East 57th Street, Sioux Falls, SD 57108

Expertise.com Rating

Review Sources

Google
4.7 (6)
Facebook
5.0 (2)

Why choose this provider?

Doing the independent approach, Insurance Solutions LTD represents numerous carriers to provide a suitable policy for their clients in Sioux Falls and the nearby areas. Its agents offer all types of insurance involving business, home, health, life, and worker's compensation. The company also assists vehicle owners by providing coverage for autos, motorcycles, and recreational vehicles such as ATVs, UTVs, and snowmobiles. Insurance Solutions LTD works with several providers including Medica, Continental Western Group, and Dairyland.

  • Multiple Carriers
  • Motorcyle & ATV

2601 South Minnesota Avenue, Sioux Falls, SD 57105

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (9)

Why choose this provider?

First State Agency is a company of insurance professionals and brokers based in Sioux Falls that provides insurance products to residents in the metro and nearby areas. It offers various options for auto insurance coverage such as collision coverage, comprehensive coverage, liability coverage, and more. It also offers provides coverage for special drivers including teenage drivers, high-risk drivers, and other non-preferred cases. First State Agency is focused on building lasting client relationships through friendly and educational interactions.

  • Bundling Option

3500 South Western Avenue, Sioux Falls, SD 57105

Expertise.com Rating

Review Sources

Google
4.0 (9)

Why choose this provider?

Founded in 1991, Pillar Insurance is an independent agency that is located in Sioux Falls. The company examines different auto insurance policies to help clients concerned about bodily injury and property damage. It looks into each customer and their driving history to determine their risk levels. Its founder, Joe Pillar, is a lifelong resident of the city and has been working in insurance since 1987. His staff has over 60 years of collective experience.

  • Boats
  • Motorcyle & ATV

3700 South Western Avenue, Sioux Falls, SD 57105

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.2 (10)

Why choose this provider?

North Central Insurance is a locally owned full-service insurance agency that offers auto insurance to residential and commercial clients in Sioux Falls and the nearby areas. The company's auto insurance policies have comprehensive, collision, and liability coverage. Additionally, North Central Insurance also covers motorcycles, boats, watercraft, and RVs. The company's carriers include CNA Surety, Columbia Insurance, MetLife, Progressive, and Safeco Insurance. Its team of agents has more than 225 years of collective experience in the industry.

  • Multiple Carriers

3701 West 49th Street, Sioux Falls, SD 57106

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Jensen Insurance & Real Estate offers car insurance to clients in Sioux Falls and various locations around South Dakota. The agency, which was established in 1944, is currently operated by its third-generation owner, Mark Jensen. Jensen and his team have been providing a variety of options to fit their clients' insurance needs. Additionally, the firm helps customers understand the factors that are taken into consideration when acquiring insurance coverage, such as the assets they must protect, the value of their vehicle, and their deductibles.

  • Bundling Option

3928 South Western Avenue, Sioux Falls, SD 57105

Expertise.com Rating

Review Sources

Google
4.9 (226)
Facebook
5.0 (39)

Why choose this provider?

Based in Sioux Falls, Ty Teveldal has been working as a State Farm insurance agent since 2013. He offers car insurance and handles other personal and commercial insurance products, including policies for homes, life, health, and pets. He also deals with mutual funds and annuities. With a team of agents, he can provide guidance to clients to help them navigate insurance jargon, protect their assets, and plan for the long term.

  • Bundling Option

4305 South Louise Avenue, Sioux Falls, SD 57106

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Central States Insurance, LLC, provides auto insurance products to drivers near Sioux Falls. With over 50 years of combined experience in the insurance business, the independent agency's team works with clients in finding the auto insurance plans that best fit their personal needs. Its policies offer liability, medical, collision, comprehensive, roadside assistance, and uninsured/underinsured motorist coverage, provided by partner carriers MetLife and Progressive. Central States Insurance has a customer representative that can communicate in Spanish.

  • Bundling Option

4101 South Southeastern Avenue, Sioux Falls, SD 57103

Expertise.com Rating

Review Sources

Google
4.5 (27)
Facebook
5.0 (4)

Why choose this provider?

Prins Insurance of Sioux Falls Inc. is an independent insurance agency in the metro that provides insurance products to residents in the area and nearby towns. The agency is composed of expert insurance agents that write auto insurance policies that protect clients and their personal or commercial vehicles from property damages, liabilities, and losses. Prins Insurance was founded in 1981 and offers 24/7 customer service assistance to policyholders and customers.

  • Bundling Option
  • Motorcyle & ATV
  • Boats

4009 West 49th Street, Sioux Falls, SD 57106

Expertise.com Rating

Review Sources

Google
4.9 (51)
Facebook
5.0 (11)

Why choose this provider?

Platinum Insurance Group is an independent insurance agency operating out of Sioux Falls that provides commercial and personal insurance products to residents in the metro. Owner Janelle Goeden founded the company in 2014 with staff and insurance agents that have over 15 years of industry experience. It writes auto insurance policies to clients that protect them and their vehicles from uninsured motorists, collisions, liabilities, physical damages, and medical payments. Additional coverage includes towing services, roadside assistance, and rental reimbursements.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

FAQs

  • 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.

  • Do Sioux Falls car insurance policies cover penalties for minor violations?

    Minor violation forgiveness is frequently included in Sioux Falls car insurance policies, and it covers fines for infractions such as illegal turns, running red lights, speeding, and failing to yield. This coverage, however, can only be used once during the policy term and is only available for use again after a three-year period beginning with the most recent traffic violation when it becomes active.

  • Does Sioux Falls car insurance extend coverage to your friends when they borrow your vehicle?

    If your friends borrow your vehicle, they will be covered by your Sioux Falls car insurance. Typically, auto insurance policies include a permissive use provision that covers anyone who drives the vehicle with the owner's permission. This coverage, however, does not apply if the borrower grants permission to someone else or is negligent while driving the car.

  • What are the minimum liability limits set in Sioux Falls car insurance?

    Sioux Falls adheres to the state of South Dakota's mandatory liability limits. These limits are $25,000 for bodily injury or death to a single person, $50,000 for the same coverage involving two or more people, and $25,000 for property damage. The amounts are the same for underinsured and uninsured motorists.

  • What criteria must Sioux Falls drivers meet to be eligible for a defensive driving car insurance discount?

    There are no specific eligibility requirements for a defensive driving car insurance discount in Sioux Falls. If drivers successfully complete a defensive driving course and their insurance company offers the discount, they may be eligible. These classes usually cover topics such as South Dakota traffic laws, safe driving techniques, and accident prevention.

  • Do Sioux Falls drivers with unfavorable credit ratings incur higher car insurance costs compared to those with favorable credit?

    Yes, Sioux Falls drivers with poor credit may see their premiums rise by as much as 67% when compared to those with good credit, owing to their higher claim amounts and more frequent claims history, which classifies them as higher-risk drivers. Individuals with bad credit in Sioux Falls can get minimum coverage for $487 to $1,046, while full coverage costs between $1,278 and $2,400 per year.

  • 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.