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Rapid City Car Insurance Resources

Rapid City, SD Car Insurance

Cars Insured in Rapid City

^ There are an estimated 57,390 vehicles currently insured in Rapid City. [1]

Car Insurance Rates in Rapid City

^ From 2006 to 2010, South Dakota cities had the 50th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Rapid City

^ There are an estimated 4,330 uninsured motorists driving in Rapid City. [3]

SD Car Insurance

Rapid City Car Insurance

Car Insurance Liability Requirements in Rapid City

  • Minimum Liability Limits in Rapid City: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Rapid City

Required Car Insurance Coverage in Rapid City
  • Rapid City Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage

Car Insurance Verification Laws in Rapid City

  • Insurer Verification of Auto Insurance in Rapid City [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Rapid City Car Insurance Facts, Estimates & Related Laws

Rapid City Car Insurance Stats

Rapid City Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Rapid City
    • Based on historical and current data, 57,390 cars are currently insured in Rapid City. [5]
    • South Dakota cities collectively ranked 44th in the nation in auto insurance policies in 2011 with a total of 687,592. [1]
  • Uninsured Motorist Rate in Rapid City
    • Based on historical and current data, Rapid City has an estimated 4,330 uninsured drivers. [6]
    • South Dakota cities collectively had the 43rd highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Rapid City
    • South Dakota cities collectively had the 51st highest auto insurance rates in the nation in 2010. [2]

Rapid City Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for learner's permit and intermediate license holders. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Secondary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Rapid City Automotive Laws

  • Minimum Driving Age in Rapid City [9]
    • Rapid City, SD minimum driving age: 14 years.
  • Driver's License Renewal Cycle in Rapid City
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in Rapid City
    • Motorcycle helmets required for 17 and younger. [7]
  • Safety Belt Laws in Rapid City
    • Safety belt laws have been in place since 1995 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for 4 years and younger and less than 40 pounds. [7]

South Dakota Car & Driver Facts

South Dakota Auto Registrations

South Dakota Car & Driver Facts
  • Auto Registrations in SD [8]
    • Registered Cars: 384,573
    • Registered Trucks: 538,595
    • Registered Motorcycles: 69,670
    • Total Registrations: 995,423
    • Rank: South Dakota ranked 44th in the United States in total auto registrations in 2011.

South Dakota Automotive Facts

  • Speed Limits in SD
    • Rural interstates: 75 mph [7]
    • Urban interstates: 75 mph [7]
    • Other roads: 70 mph [7]
  • South Dakota Motor Fuel Consumption
    • South Dakota cities collectively ranked 45th in the nation in total motor fuel consumption in 2011. [10]

South Dakota Licensed Drivers

  • Licensed Drivers in SD [11]
    • Female Drivers: 300,232
    • Male Drivers: 303,026
    • Total Drivers: 603,258
    • Rank: 46th highest in the U.S.

Additional information about Rapid City, SD

About Rapid City

Rapid City (South Dakota) is a city with a population of 67,956 [12] that is located in Pennington County.

SD Car Insurance

More about Rapid City auto insurance

For more information about Rapid City car insurance, or for additional resources regarding South Dakota car insurance overall, visit the South Dakota Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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