Car Insurance in Sioux Falls, SD
Learn more about risks to local drivers and options for car insurance in Sioux Falls.
If you live in Sioux Falls, you know how amazing South Dakota's largest city can be. With a metropolitan area of 275,000 people, this bustling city offers endless ways to have fun. Everything from the Wild Water West Waterpark to The Empire Mall is just a short drive away with the city's extensive network of highways, byways and streets.
Nature lovers can spend time at Fall's Park, taking in over 120 acres of waterfalls, gardens, flora and fauna. Families can spend a day at the Great Plains Zoo, watching giraffes and tigers. The city also has countless dining options.
As you may expect in such a large city, Sioux Falls has many car crashes each year. In 2022, there were over 4,800 total crashes. This is about one crash per 60 people.
To put these numbers in perspective, they represent over 90 car accidents every week in Sioux Falls alone. Almost 15 drivers get into an accident daily.
What type of coverage do you need for car insurance in Sioux Falls? Liability coverage is legally required to drive in the city, but you need more than the bare minimum to take care of your needs. To be able to repair or replace your vehicle after a car accident, make sure to invest in some collision coverage as well.
Not all crashes result in injuries, but a large percentage in Sioux Falls do. Over 20% of accidents (1,000) in 2022 caused injuries to drivers and passengers. Seven accidents were so serious that the driver died.
If you invest in personal injury protection, your car insurance can pay for hospital visits, emergency services, medical treatment, physical therapy, medication and other essentials for recovery. Use VIU by HUB to see exactly what different insurance companies cover.
If you drive to work or college in Sioux Falls, you're not alone. Over 80% of the city's 77,000 households commute by car. The Sioux Area Metro lines serve 14 bus routes, but only a small percentage (about 8%) of local families use them regularly.
The average commute in Sioux Falls is less than 20 minutes, likely because so many people work within the city. At first, you may think this makes daily commutes safer. Not in Sioux Falls.
Only about 20% of accidents occur on Interstates 90, 29 and 229. A whopping 80% of crashes happen on city streets. You need good car insurance in Sioux Falls even if you have a short drive to work or school.
Crashes are common in many big cities, not just in Sioux Falls. That said, some behaviors lead to more crashes than others. In 2022:
Almost 10% of drivers in local crashes didn't have insurance. To protect your interests, you need underinsured/uninsured motorist coverage.
The purpose of VIU by HUB is to make it easy for you to compare policies for car insurance in Sioux Falls. The average policy costs about $1,350 a year, lower than other places in the state. By customizing your coverage, you can potentially save more or get better protection.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
