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 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

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

*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

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

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

Least expensive

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

Data refreshed as of Apr 2024

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

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

Compare homeowners insurance rates by city in South Dakota

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in South Dakota.