Cheap Car Insurance Rapid City SD: Compare Quotes From Best Companies - [Mom Prepared] (2025)

As a wife and mother of four children, finding affordable car insurance in Rapid City, SD is a top priority for me. With kids of varying ages and driving experience, it can be a challenge to secure the best coverage at the lowest rates. That’s why I decided to do some research and compare quotes from the best insurance companies in the area. In this article, I will be discussing the average annual insurance premium costs from five national insurance carriers, detailing the six vehicles owned by my husband and I, and providing information on the average cost for maintenance and insurance for our children’s vehicles. Additionally, I will touch on eight sometimes forgotten issues when it comes to auto insurance and how to address them.

When it comes to car insurance, it’s important to shop around and compare quotes from multiple companies. In my research, I found that the average annual insurance premium costs for the five national insurance carriers I looked into are as follows:

1. State Farm – $1,200

2. Geico – $1,150

3. Progressive – $1,300

4. Allstate – $1,400

5. Farmers – $1,250

Of course, these are just averages and the actual cost of insurance can vary depending on a number of factors, including driving record, age, and type of vehicle. It’s always best to get personalized quotes to ensure you are getting the best deal for your specific situation.

Now, let’s talk about the vehicles owned by my husband and I. We have a total of six cars, ranging from a minivan for the kids to a sporty sedan for my husband. Here is a breakdown of each vehicle:

1. 2015 Honda Odyssey (Family Minivan) – This is our primary family vehicle, perfect for hauling around our four kids. It is reliable and safe, with an average annual maintenance cost of $800 and insurance premium of $1,200.

2. 2018 Toyota Camry (Mom’s Car) – I drive this car to run errands and shuttle the kids to their various activities. It has a low maintenance cost of $600 per year and an insurance premium of $1,000.

3. 2016 Ford F-150 (Dad’s Truck) – My husband uses this truck for work and hauling equipment. It has a higher maintenance cost of $1,000 per year and an insurance premium of $1,300.

4. 2014 Subaru Outback (Teen Driver #1) – Our oldest child drives this car to school and work. The maintenance cost is $700 per year and the insurance premium is $1,500.

5. 2012 Honda Civic (Teen Driver #2) – Our second oldest child also has a car for getting around town. The maintenance cost is $600 per year and the insurance premium is $1,200.

6. 2008 Chevy Malibu (College Student) – Our college student uses this car to commute to campus. The maintenance cost is $800 per year and the insurance premium is $1,000.

As you can see, the cost of maintenance and insurance can vary greatly depending on the type of vehicle and the driver. It’s important to take these costs into consideration when budgeting for car ownership.

Now, let’s discuss some often overlooked issues when it comes to auto insurance. Here are eight things to keep in mind:

1. Uninsured/Underinsured Motorist Coverage – This type of coverage protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. It’s important to have this coverage to ensure you are protected in all situations.

2. Gap Insurance – If you have a lease or loan on your vehicle, gap insurance can be a lifesaver. It covers the difference between the actual cash value of your car and the amount you still owe on your lease or loan in the event of a total loss.

3. Rental Reimbursement Coverage – If your car is in the shop for repairs after an accident, rental reimbursement coverage can help cover the cost of a rental car. This can be a lifesaver if you rely on your vehicle for daily transportation.

4. Towing and Labor Coverage – This coverage can help cover the cost of towing your vehicle if it breaks down on the side of the road. It can also cover other roadside assistance services, such as jump starts and tire changes.

5. Personal Injury Protection – This coverage can help cover medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. It can also cover lost wages and other expenses related to the accident.

6. Usage-Based Insurance – Some insurance companies offer discounts for drivers who participate in usage-based insurance programs. These programs track your driving habits and can result in lower premiums if you are a safe driver.

7. Multi-Policy Discounts – If you have multiple insurance policies with the same company, such as home and auto insurance, you may be eligible for a multi-policy discount. This can help you save money on your premiums.

8. Review Your Coverage Regularly – It’s important to review your coverage annually to ensure you have the right amount of coverage for your needs. Life changes, such as getting married, having children, or buying a new car, can impact your insurance needs.