{"id":43810,"date":"2023-06-15T12:33:15","date_gmt":"2023-06-15T19:33:15","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=43810"},"modified":"2023-09-22T08:45:33","modified_gmt":"2023-09-22T15:45:33","slug":"rapid-city-car-insurance","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/south-dakota-car-insurance\/rapid-city-car-insurance\/","title":{"rendered":"Rapid City Car Insurance"},"content":{"rendered":"
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Everything You Need to Know about Auto Insurance in South Dakota<\/h2>\n
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The second largest city in South Dakota, Rapid City is steeped in historical tradition. Founded during the Black Hills Gold Rush (1876), it is also known for its sizeable, diverse population with a rich mix of Native American and Hispanic cultures weaved into its fabric. It is also home to some of the finest nature opportunities in the region (e.g., Badlands National Park) and Mount Rushmore National Memorial with its iconic 60-foot-tall sculptures of four U.S. presidents.<\/span><\/p>\n

Rapid City’s top attractions include Journey Museum, Performing Arts Center of Rapid City, Mount Rushmore National Memorial, Crazy Horse Memorial, and Dahl Arts Center.<\/span><\/p>\n

If you want to drive in Rapid City, you must have an active auto insurance policy. If not, expect plenty of aggravation with a suspended driver’s license\/registration, fines, and reinstatement fees. Keep reading to learn more about <\/span>car insurance in South Dakota<\/a><\/strong>,<\/strong> including average rates paid by age, zip code, and why full coverage is better than a liability-only policy.<\/span><\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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How Much Does Car Insurance Cost in Rapid City, SD?<\/h2>\n
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Residents of Rapid City pay an average monthly liability-only premium of $30 and an average monthly <\/span>full coverage<\/a><\/strong> premium of $140. In comparison, the national monthly average premium for liability-only and full coverage is $50 and $140, respectively.<\/span><\/p>\n

What Does Full vs. Minimum Mean?<\/b><\/h3>\n

Full and state minimum liability coverage are two types of auto insurance coverage.<\/span><\/p>\n

State minimum liability coverage<\/a><\/strong> is the minimum amount of coverage required by South Dakota state law. It typically consists of two components: bodily injury liability and property damage liability. <\/span>Bodily injury liability<\/a><\/strong> pays for lost income, medical bills, and related damages sustained by other parties in an accident where you are determined to be at fault. In turn, <\/span>property damage liability<\/a><\/strong> pays for the repair and replacement of property belonging to others (e.g., vehicle or house),<\/span><\/p>\n

On the flip side, full coverage includes liability (third party only) plus additional types of first-party benefits such as collision and comprehensive. Collision coverage pays for damages to your vehicle related to vehicle-to-vehicle, vehicle-to-object, and rollover collisions. Comprehensive pays for non-collision-related damages (e.g., theft and natural disasters).<\/span><\/p>\n

A full coverage policy is recommended over state minimum liability coverage for all Rapid City residents, thanks to its additional protections.<\/span><\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n <\/div>\n \n
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