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If you live in a condo, your homeowners association is responsible for insuring the building and common areas, but it won’t cover your personal property if it gets destroyed or damaged. To protect your belongings, you’ll need to buy condo insurance, also known as HO-6 insurance.

The average condo insurance cost in South Dakota is $368 annually. However, your rates will vary depending on the coverage limit, zip code, and the insurance company you choose.

Read this guide to compare quotes from major insurance companies and find out which carrier offers the best rates for condo insurance in South Dakota.

  • Condo owners in South Dakota pay an average of $368 per year or $31 per month in condo(HO6) insurance.
  • Farmers is the cheapest condo insurance company in South Dakota at only $199 per year.

Best condo insurance companies in South Dakota

In South Dakota, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across South Dakota. Below are the best condo insurance companies in South Dakota based on's analysis.

  • USAA
  • State Farm
  • American Family
  • Allstate
  • Farmers

Compare best condo insurance companies in South Dakota

While looking for a condo insurance policy cost is important, but it shouldn't be the only thing to consider when buying condominium insurance. You should take into account the insurance company's customer service, financial stability, and claims handling.

Our team of experts has analyzed major insurance carriers across South Dakota using their J.D. Power score and AM Best rating. Based on’s analysis, USAA tops the list of the best condo insurance companies with a J.D. Power score of 882 out of 1000 and it also gets an A++ rating from AM Best, which is the highest rating they offer. However, USAA offers its services only to military officials, veterans, and their family members.

With a J.D. power score of 835, State Farm ranks second on our list. If not USAA, State Farm is another great option for purchasing condominium insurance. Below we provide a list of the best condo insurance companies in South Dakota along with their J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
State Farm835A++
American Family831A
Liberty Mutual806A

Average cost of condo insurance in South Dakota

The average cost of condo insurance in South Dakota is $368 a year or $31 per month. This rate is for the coverage level of $40,000 in personal property, $100,000 for liability protection with a $1000 deductible. Condo insurance rates can be as low as $29 or as high as $130 a month, depending on your location among other factors.

Average annual premiumAverage monthly premium


Average condo insurance rates in SOUTH DAKOTA

57714 - Allen
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for condo insurance in South Dakota

Most Expensive

Zip CodeCityHighest Rate
57719Box Elder$427

Least Expensive

Zip CodeCityLowest Rate

Condo insurance rates by companies in South Dakota

As we have mentioned above, your condo insurance rates vary depending on the insurance carrier you choose. Based on's rate analysis, Farmers offers the most affordable rate for condo insurance in South Dakota at an average cost of $199 per year. That's $169 less expensive annually than the state average of ($368).

Compare the best condo insurance companies in South Dakota using their average annual premium mentioned below.

CompanyAverage annual premium
State Farm$302
Farm Bureau$362
American Family$383
Fire Ins Exch$420
Liberty Mutual$562

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