Best and cheapest homeowners insurance in South Dakota for 2024

Best home insurance companies in South Dakota: Auto-Owners

The best home insurance company in South Dakota for 2024 is Auto-Owners. State Farm, Nationwide, American Family, Allstate, and Farmers are among the top home insurance companies in South Dakota based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Best home insurance in South Dakota
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Auto-Owners	A++	0.37	5	$2,264
State Farm	A++	0.83	4.28	$3,029
Nationwide	A+	1.05	3.46	$3,105
American Family	A	0.80	3.41	$3,465
Allstate	A+	1.46	3.25	$2,698
Farmers	A	0.67	2.63	$4,791

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Cheapest home insurance companies in South Dakota: Auto-Owners

Below are South Dakota home insurance rates by a company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Auto-Owners has the most affordable rates for most coverage levels.

Cheapest home insurance in South Dakota
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Auto-Owners	$1,938	$2,264	$2,753	$3,981	$6,980
North Star Mutual	$1,783	$2,431	$3,278	$4,973	$8,320
Allstate	$1,908	$2,698	$3,475	$4,849	$7,216
Iowa Farm Bureau	$2,093	$2,892	$3,731	$5,308	$7,714
Farmers Mutual of Nebraska	$2,160	$3,005	$3,983	$5,932	$7,842
State Farm	$2,373	$3,029	$3,691	$5,101	$7,641
Nationwide	$2,267	$3,105	$3,898	$5,413	$8,185
American Family	$2,569	$3,465	$4,292	$5,815	$8,559
USAA*	$2,901	$3,662	$4,191	$5,102	$6,666
Farmers	$3,778	$4,791	$6,140	$9,641	$15,671

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*USAA only provides coverage to military members, veterans and their families.

Average home insurance cost in South Dakota

The average cost of homeowners insurance in South Dakota is $3,390 a year or $283 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different South Dakota homeowners insurance companies to get the best deal.

South Dakota home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in South Dakota to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

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The South Dakota Division of Insurance says...

Basic homeowner's insurance is designed to fit the coverage needs of the average insured so most policies have established limits for value on certain types of personal property. These established limits may be less than the value of the stolen property, especially in the case of furs, jewelry, firearms, or other items of high value. It is the consumer's responsibility to review the limitation placed on certain types of property and increase the coverage, if desired, by adding a "Scheduled Personal Property Endorsement" to the basic policy.

- The South Dakota Division of Insurance

The most expensive ZIP codes in South Dakota for home insurance

South Dakota homeowners insurance rates are the most expensive for ZIP code 57702 with an average annual cost of $4,062.

The most expensive ZIP codes in South Dakota are:

ZIP code	Average annual rate
57702	$4,062
57719	$3,974
57701	$3,946
57703	$3,940
57718	$3,894
57706	$3,832

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The least expensive ZIP codes in South Dakota for home insurance

The cheapest ZIP codes for home insurance in South Dakota are:

ZIP code	Average annual rate
57005	$3,073
57255	$3,090
57260	$3,093
57266	$3,100
57257	$3,105
57262	$3,105

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South Dakota homeowners insurance rates by county

Home insurance rates in South Dakota vary by county. Take a look at the average rates by county in South Dakota below to see how costs compare.

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Average annual premium

$3,106

$3,804

County	Average annual premium	Average monthly premium
Aurora	$3,512	$293
Beadle	$3,159	$263
Bennett	$3,548	$296
Bon Homme	$3,804	$317
Brookings	$3,222	$269
Brown	$3,170	$264
Brule	$3,493	$291
Buffalo	$3,425	$285
Butte	$3,383	$282
Campbell	$3,233	$269
Charles Mix	$3,614	$301
Clark	$3,197	$266
Clay	$3,579	$298
Codington	$3,157	$263
Corson	$3,609	$301
Custer	$3,756	$313
Davison	$3,504	$292
Day	$3,172	$264
Deuel	$3,203	$267
Dewey	$3,201	$267
Douglas	$3,624	$302
Edmunds	$3,210	$267
Fall River	$3,717	$310
Faulk	$3,241	$270
Grant	$3,133	$261
Gregory	$3,765	$314
Haakon	$3,383	$282
Hamlin	$3,206	$267
Hand	$3,266	$272
Hanson	$3,546	$295
Harding	$3,319	$277
Hughes	$3,297	$275
Hutchinson	$3,618	$301
Hyde	$3,312	$276
Jackson	$3,484	$290
Jerauld	$3,384	$282
Jones	$3,581	$298
Kingsbury	$3,242	$270
Lake	$3,273	$273
Lawrence	$3,500	$292
Lincoln	$3,393	$283
Lyman	$3,573	$298
Marshall	$3,173	$264
McCook	$3,403	$284
McPherson	$3,205	$267
Meade	$3,479	$290
Mellette	$3,490	$291
Miner	$3,291	$274
Minnehaha	$3,261	$272
Moody	$3,311	$276
Oglala Lakota	$3,651	$304
Pennington	$3,742	$312
Perkins	$3,234	$269
Potter	$3,251	$271
Roberts	$3,106	$259
Sanborn	$3,379	$282
Spink	$3,230	$269
Stanley	$3,506	$292
Sully	$3,287	$274
Todd	$3,532	$294
Tripp	$3,683	$307
Turner	$3,458	$288
Union	$3,596	$300
Walworth	$3,246	$271
Yankton	$3,592	$299
Ziebach	$3,296	$275

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Methodology

Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$300,000 liability protection
$1,000 deductible
2% hurricane deductible where appropriate.

To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.