Insurance Agency Sioux Falls SD

Sioux Falls, SD

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Bringing the Local Touch

Your Local Sioux Falls Insurance Agency

First State Insurance Agency Southwest Inc. is your go-to insurance agency in Sioux Falls SD for all insurance needs. We are not just an insurance agency, we are a part of the Sioux Falls community. We understand the unique challenges of life in South Dakota and are well-versed to take them on. As an independent insurance agency, we don’t work for one insurance company. This means we shop for the best value among multiple top-rated carriers, ensuring you get the right policy at the right price, every time.

First State Insurance Agency Southwest acquired Central States Insurance in June 2025 to expand our services to South Dakota. Central States Insurance is already a well-established insurance agency in Sioux Falls SD. The Central States Insurance team continues to serve residents of Sioux Falls with the same energy, but now under the rebranded name First State Insurance Agency Southwest, Inc.

Protecting you and what you love

Personal Insurance

At First State Insurance Agency Southwest, we understand that life is full of risks and protecting yourself and your loved ones is a top priority. Our personal insurance solutions are designed to offer comprehensive coverage for the things that matter most to you. Whether you’re a homeowner, a renter, or simply looking for peace of mind, we’re here to help you stay protected.

Helping your business thrive

Business Insurance

At First State Insurance Agency Southwest, we are not just your insurance agents. We are your business partners providing you the protection and confidence to build your empire. Our commercial insurance specialists conduct a thorough needs analysis, leveraging our independent status to secure highly specialized coverage from experienced carriers.

FAQs

What insurances are mandatory in Sioux Falls, SD?

In Sioux Falls, the only insurance required by state law is auto insurance. To legally use a vehicle in South Dakota (including in Sioux Falls), you must have proof of financial responsibility, which is typically fulfilled by purchasing an auto insurance policy that meets the state minimums. Any other personal insurance is optional. However, you will need homeowners insurance if you have a mortgage.

For a business, workers’ compensation insurance is mandatory in Sioux Falls, SD to provide benefits to employees who are injured or become ill as a direct result of their job.

What insurance carriers are you associated with?

Since we are an independent agency, we have a strong association with a number top-rated national and regional carriers. This allows us to shop the market on your behalf to find the best policy, coverage, and value that fits your specific needs. You can find the list of insurance carriers we work with here.

Can I bundle my home and auto insurance, even if they are with different carriers?

Yes, you absolutely can. This is one of the most significant advantages of working with an independent insurance agency like First State Insurance Agency Southwest. While the biggest “bundling discount” is traditionally offered when you place your Home and Auto policies with the same carrier, we can still secure great value for you even if they are with different companies.

How often should I review my insurance policy in Sioux Falls?

You should review your insurance policies at least once per year 45 to 60 days before the policy renewal date and immediately following any major life event like marriage, birth of child, relocation or diagnosis of a disease.

Get a Free Quote Today

Let’s find the perfect policy for you.

Ready to protect what matters most? Whether you’re looking for auto, home, business, or life insurance, our experienced team is here to guide you every step of the way. At First State Insurance Agency, we make the quoting process simple, fast, and tailored to your unique needs. There’s no obligation—just honest advice and competitive options from trusted carriers. Start your free quote today and experience the personalized service you deserve.