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Get Cheap Car Insurance in Rapid City, MI
We monitor insurance prices, helping the average driver in Rapid City save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Rapid City
The chart below shows the cheapest car insurance company in Rapid City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Rapid City Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $105 |
| Progressive | $120 |
| State Farm | $121 |
| Safeco Insurance | $128 |
Savings for Every Kind of Rapid City Driver
Based on our extensive insurance data, we know the average Rapid City driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,142 per year by choosing the right vehicle insurance company. Some Rapid City residents are paying out over $2,841 extra every year for auto insurance in Rapid City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Rapid City, MI Savings / Yr. |
|---|---|
$1,142 |
|
$1,864 |
|
$1,649 |
|
$2,507 |
|
$2,958 |
|
$0 |
|
$0 |
Rapid City Car Insurance vs. Michigan
People living in Rapid City pay an average of 2.00% less than the typical driver in the state. The average driver in Rapid City can expect to pay about $2,158 per year, or $2,841 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Rapid City for most people.
Car Insurance Prices by Rapid City Neighborhood
Insurance Prices
Where is insurance cheapest within Rapid City?
The map shows insurance prices in and around Rapid City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $139 per year within the city boundaries, with insurance premiums ranging from a high of $2,887 to a low of $2,748. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Rapid City.Pick the Best Car Insurance Company for You in Rapid City
The best car insurance provider for most drivers in Rapid City
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,142 over the average Rapid City car insurance company.
The best car insurance provider for Rapid City drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,864 over the competition.
The best car insurance company for Rapid City drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,649 better than other car insurance companies.
The best auto insurance for Rapid City drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,507 less each year.
The least expensive car insurance company for new and young drivers in Rapid City
In Rapid City, Geico costs young drivers $2,958 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Rapid City
The cheapest car insurance in Rapid City for drivers with bad credit
The best Rapid City car insurance company for customer service
Nationwide was the best company for customer service in Rapid City according to the NAIC.
Recent price drops
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The cheapest large national provider in Rapid City
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Rapid City driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Rapid City, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Rapid City
What Influences the Cost of Car Insurance in Rapid City?
On average, car insurance in Rapid City is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Rapid City is 31 minutes, which is about the national average for a driver in the state.
- Michigan state insurance regulations may require higher prices.
- An average of 13 to 14 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Rapid City has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Rapid City is $180 per month for minimum coverage and $237 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Torch River: Insurance costs 0.99% less
- Alden: Insurance costs 0.63% less
- Clam River: Insurance costs 3.13% less
- Elk Rapids: Insurance costs 1.83% less
- Williamsburg: Insurance costs 4.89% less
- Kalkaska: Insurance costs 1.06% more
- Bates: Insurance costs 7.00% less
- Bellaire: Insurance costs 2.29% less
- North Arms: Insurance costs 2.50% less
- Yuba: Insurance costs 2.92% less
Cities with Similar Populations
- Bon Secour: Insurance costs 46.67% less
- Naches: Insurance costs 53.92% less
- Morenci: Insurance costs 0.49% less
- Medinah: Insurance costs 45.12% less
- Lucerne: Insurance costs 33.72% less
- London: Insurance costs 42.73% less
- Kiowa: Insurance costs 30.55% less
- Kingston: Insurance costs 60.58% less
- Jesup: Insurance costs 56.92% less
- Guin: Insurance costs 46.50% less