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Auto Insurance 57186

Brandon Myers by Brandon Myers | Last Updated: June 1, 2021 |
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If you live in South Dakota, you already know that auto insurance is required to get behind the wheel by law. The state can be a dangerous place to drive and plenty of car accidents and traffic tickets are written each year around the 57186 zip code and Sioux Falls area. Getting a good deal on auto insurance can be harder than it looks. There are plenty of ways to get a car insurance discount. You may think taking a cheap rate with a cut rate provider is a good idea. Think again. While these providers don’t lie about monthly premiums, they will do everything they can to make sure you don’t get the insurance you pay for in your moment of need. It’s only when you’re under duress in the moment of an accident that you see the real value of your insurance company.

According to the National Highway Traffic Safety Administration, 6 million traffic accidents occur in the United States on average per calendar year. South Dakota is no exception in wanting to slow the incident rates, some of which happen in the 57186 zip code and Sioux Falls area. According to the South Dakota Department of Public Safety, 26,246 traffic collisions happened in The Mount Rushmore state in the 2020 calendar year. 13.2% of these car collisions, or 3,461, involved bodily injury. Sadly 121 drivers passed away in car accidents. Perhaps you’ve witnessed some of these traffic incidents yourself in the 57186 zip code. Sioux Falls is no stranger to accidents from time to time.

No matter how good a driver you are, there is always risk.  It’s important to have the right car insurance.  Liberty Mutual is our #1 choice based on customer service and average price.  Make sure to get a free Liberty Mutual Auto insurance quote today!

When you put that type of risk into perspective, it becomes really important that you assess your appetite for paying for incidents out of pocket.  Weigh the insurance minimums in South Dakota and where you want to be in the case of an accident.  With mobile phones and plenty of distractions in the car, chances of having a car wreck in South Dakota that involves injury are higher than they’ve ever been.  Even with all of the safety upgrades in cars, there has never been a more dangerous time to drive.

Best Car Insurance in South Dakota for 57186

We take a lot of pride in helping our readers through confusing decisions like drivers education, defensive driving courses, and affordable insurance providers.  Picking the best car insurance company in 57186 wasn’t easy and after a ruthless investigation of insurance practices, Liberty Mutual came out as the clear #1.

Simply put, Liberty Mutual Insurance offers affordable South Dakota auto insurance that is customized to the needs of Sioux Falls residents.  There are many types of insurance needs for 57186 drivers, but Liberty Mutual covers them all in one easy and free online quoting process.  Whether you’re looking for liability protection, comprehensive coverage, or bundling options for savings, they have it all.  It couldn’t be a simpler process and the statistics tell it all.  

Minimum Auto Insurance Coverage in South Dakota

You really should evaluate your coverage options, look at your budget, and decide which policy is right for you.  At the end of the day which coverage you choose is a reflection of your risk tolerance and the driving in Sioux Falls for most of your car journeys.  The lower coverage you choose, the higher chance of a massive out of pocket cost in the case of a catastrophic car accident.  That said, here is the minimum auto insurance coverage in South Dakota in terms of Bodily Injury and Property Damage Coverage in 57186.

Coverage Type

Minimum Coverage Amounts

Bodily Injury Coverage $25,000 per person and $50,000 per accident
Property Damage Coverage $25,000 per accident

Who has the Cheapest Car Insurance in South Dakota?

We took a look at the cheapest car insurance providers in South Dakota, but it’s important to note picking the cheapest car insurance likely won’t provide you with the best experience as a customer.  Liberty Mutual provides its customers with the best combination of top service and affordable prices.  On average Liberty Insurance is $617 cheaper than Geico, $659 cheaper than AllState, and $642 lower than Nationwide.  It’s worth getting a free car insurance quote with Liberty Mutual today in our opinion.  You can’t lose.

Best Auto Insurance Quotes in 57186

When it comes to getting the best auto insurance quotes in 57186 and Sioux Falls, there is no better place to go than Gabi Insurance services.  Gabi is a licensed and certified insurance broker that has wholesale relationships with over 45 different insurance providers in the state of South Dakota.  They’ll do the shopping for you and compare apples to apples on the policy you need and break down your options.  It’s a really simple process and the value of what each company offers is inherent with how good the Gabi system is.  You can tell these guys and gals really know their stuff about auto insurance.

Because of the amount of relationships Gabi has and the ever changing nature of the industry, we highly recommend that all of our readers get a free car insurance quote with Gabi Insurance for peace of mind.  They won’t call you and are a completely digital experience.  If you want to communicate to them via text message, that’s also an option for you.

Get your free Gabi insurance quote here today!


Brandon Myers
Brandon Myers is a Drivers Education and Safe Driving enthusiast. After a rollover vehicle crash and DUI, Myers has dedicated his life and career to the Drivers Education industry. Believing safe driving techniques save lives, Myers has spent over 5 years improving the industry with IDriveSafely, Aceable, and