Car Insurance Sioux Falls
TAILED SOLUTIONS TO YOUR DRIVING NEEDS
Welcome to First State Insurance Agency Southwest
For more than 90 years, First State Insurance Agency Southwest has been helping drivers across the Midwest find dependable protection for every mile. Car insurance in Sioux Falls is more than a legal requirement, it’s your financial safeguard on the road. Whether you’re navigating busy Sioux Falls streets, commuting through unpredictable weather, or planning cross-state trips, First State Insurance Agency Southwest ensures you’re protected from life’s unexpected detours.
Our team located in Sioux Falls, SD tailors coverage to your needs, so you can drive with confidence knowing you’re covered financially. As an independent insurance agency, First State Insurance Agency Southwest works with multiple top-rated carriers, which means you get coverage that fits your life, your driving habits, and your budget, not a one-size-fits-all policy.
What is covered by Auto Insurance in Sioux Falls?
Liability Coverage
Pays for injuries or property damage you caused to others. Mostly, that includes other driver’s medical bills and vehicle repairs if you’re at fault in a crash.
Collision Coverage
Covers damages and repairs to your own vehicle from collisions with other cars or objects.
Comprehensive Coverage
Protects against non-collision incidents like theft, fire, vandalism, weather, etc. Covers for hail damage and deer collision in Sioux Falls.
Uninsured/Underinsured Motorist
Covers medical and repair costs if you’re hit by someone without enough or no insurance.
Medical Payments
Covers medical expenses for you and your passengers after an accident.
Optional Add-Ons
Additional protection like roadside assistance, rental reimbursement, gap coverage, towing costs, etc.
AVOID OUT-OF-POCKET SURPRISES
Reliable Coverage That Moves With You
Drivers in Sioux Falls face unique risks — from icy winter roads and sudden hailstorms to dense city traffic and long-distance commutes. Auto insurance isn’t just a legal requirement in Sioux Falls, SD — it’s essential protection that shields you from costly accidents, weather-related damages, and unexpected liability claims.
While state law requires minimum coverage, many drivers choose higher limits and additional options to better protect their vehicles, finances, and peace of mind. First State Insurance Agency Southwest helps you understand your choices and build a policy that fits how and where you drive.
YOU DESERVE ONLY THE BEST
Why Choose First State Insurance Agency Southwest for your Car Insurance in Sioux Falls, SD?
When you choose First State Insurance Agency Southwest, you’re choosing a partner that understands what matters most. Here’s why drivers across South Dakota trust us with their car insurance:
- Independent Agency Advantage: We’re not tied to one carrier. Instead, First State Insurance Agency Southwest compares plans from multiple top-rated companies to find the best balance of coverage and price.
- Local Knowledge: Our team is based right here in the region, so we understand the roads you travel, the weather you face, and the unique risks Sioux Falls drivers encounter.
- Personalized Policies: We tailor every policy to match your driving habits, budget, and coverage needs — ensuring you’re never paying for more than you need or left without essential protection.
- Expert Guidance: From policy selection to claims support, our experienced team is with you every step of the way, offering trusted advice and reliable assistance.
- Ongoing Support: We offer annual policy reviews and proactive recommendations to keep your coverage up to date as your life, vehicle, or needs change.
With First State Insurance Agency Southwest, you get more than just a policy, you get a partner committed to protecting you on every road ahead.
KNOW WHAT YOU NEED
Auto Insurance Requirements in Sioux Falls, SD
Bodily injury liability Cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault. | $25,000 per person / $50,000 per accident |
Property damage liability Covers expenses related to the damage of another person’s property like vehicles, homes, buildings and other structures, when an accident is your fault. | $25,000 per accident |
Uninsured motorist Helps cover your medical expenses if you’re in an accident the other driver is at fault and doesn’t have any insurance. | $25,000 per person / $50,000 per accident |
Underinsured motorist Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance. | $25,000 per person / $50,000 per accident |
Personal injury protection If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses. | Optional. Varies by insurer. |
Collision Covers expenses to repair or replace your vehicle that’s been damaged in an accident. | Optional. Varies by vehicle value. |
Comprehensive Helps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalism. | Optional. Varies by vehicle value. |
FAQs
How can I lower my auto insurance premiums in Sioux Falls, SD?
You can lower your auto insurance premiums in Sioux Falls by bundling with other insurances, choosing higher deductibles, hunting for discounts, etc. Additionally, having a clean driving record also helps in lowering auto insurance premiums.
What factors affect my car insurance premium costs?
Your car insurance premium is affected by several factors such as your driving history, age, driving experience, vehicle type, vehicle value, coverage levels, deductibles, credit score, etc.
Does my car insurance cover rental cars or vehicles I don’t own?
Most auto insurance policies include rental car coverage, but it depends on your plan. Adding rental reimbursement coverage ensures you’re not paying out of pocket for a temporary vehicle during repairs.
What happens if I drive without insurance in South Dakota?
Driving without the required insurance is illegal and can result in fines and license suspension. You will also be required to fill out SR-22 (proof of future financial responsibility). Additionally, you will also get higher insurance premiums in the future.
Do insurance rates go up after an accident?
Oftentimes, yes but it depends on the situation and fault determination. If you’re found at fault, your premium may increase at renewal. However, you can prevent a rate increment by using accident forgiveness.
What happens if I lend my car to a friend? Does my policy still cover them?
In most cases, auto insurance follows the vehicle, not the driver. This means your policy typically still applies even if you give someone permission to drive your car. If they cause an accident, your coverage will likely be the primary insurance used to pay for damages or injuries. Any additional coverage they might have under their own policy may apply as secondary coverage.