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It's not easy to find the best homeowners insurance policy in South Dakota because there are so many options available. That's why we have put together this guide to help you get started on your search.

The average rate for homeowners insurance in South Dakota is $3,172 a year. Although, rates vary depending on the insurance company you choose and other factors.

Safeco is one of the best homeowners insurance companies in South Dakota, based on's analysis. J.D. Power awarded it 810 scores out of 1000 and A.M Best rated it A.

Whereas American Family earned 831 scores out of 1000 from J.D. Power, which is the highest among the carriers surveyed.

Read on to know more about the best and cheapest home insurance companies, their overall ratings, and average annual homeowners insurance coverage costs.

Best home insurance companies in South Dakota

If you're looking for the best homeowners insurance company in South Dakota, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in South Dakota:

  • Safeco
  • American Family

Compare best homeowners insurance companies in South Dakota

One of the easiest ways to find the best homeowners insurance is by looking at all the options available and comparing them side by side. If you're looking for insurance for South Dakota homeowners, then look no further. Compare top South Dakota home insurance companies using the overall scores and ratings awarded by J.D. Power and A.M Best.

Below is a list of the best insurance companies for South Dakota homeowners-

CompanyOverall ratingJ.D. Power scoreAM Best rating
American Family3831A

Average cost of homeowners insurance in South Dakota

The average cost of South Dakota homeowners insurance is $3,172 a year or $264 a month--- $867 more than the national average ($2,305).

Many factors affect your home insurance rates, including the risk posed by weather conditions in your state. They can cause severe damage to your property, thereby leading to higher insurance rates.

The amount of coverage you need also affects your insurance premium. You can supplement your policy with additional coverage like identity theft coverage, personal injury and liability protection, and personal property replacement for extra protection.

Average annual premiumAverage monthly premium

10 Most expensive zip codes in South Dakota for homeowners insurance

A home insurance company takes into account factors like your ZIP code, the age of your home, building cost in your area, and others to determine your average homeowners insurance premium.

For some ZIP codes, the rates are higher than others based on the local crime rates and building costs in your area, among other reasons.

We have gathered insurance rates from major homeowners insurance providers across all the ZIP codes and compiled a list of the ten most expensive ZIP codes for South Dakota homeowners.

ZIP codeAverage annual rate

10 Least expensive zip codes in South Dakota for homeowners insurance

Homeowners insurance rates are driven by many factors, and one of them is the ZIP code. Insurance companies consider your ZIP code when deciding on your home insurance premium.

The least expensive ZIP code for homeowners insurance in South Dakota is 57252. Its average rate for home insurance is $2,339 a year --- $833 less than the state average.

Below is a list of the least expensive ZIP codes for home insurance in South Dakota.

ZIP codeAverage annual rate

Cheap homeowners insurance in South Dakota

Farmers offer the cheapest rates for a homeowners insurance policy to South Dakota homeowners, based on's rate analysis. Its average homeowners insurance cost is $2,259 a year--- $913 less than the state average ($3,172).

It's a good idea to shop around if you want the most affordable homeowners insurance because prices vary by hundreds of dollars. But the cheapest is not always the best deal. You might end up paying too much if you avoid comparing quotes.

Get at least three price quotes to save on your yearly insurance cost, suggests Penny Gusner, the former Senior Consumer Analyst at

Below is a list of the cheapest homeowners insurance companies in South Dakota and their average annual premium.

Company nameAverage annual premium
Farm Bureau$3,132
American Family$3,299
State Farm$4,312
Fire Insurance$7,600

Home and auto bundle discounts in South Dakota

Most insurance companies offer a discount on bundling your home and auto insurance policies. You can save an average of $541 a year or 16%, based on a rate analysis by But the discount and saving percentage may vary depending on your insurance company.

Below is a list of major carriers that offer a discount on bundling. Also, know how much a home and auto bundle can help you save on insurance in South Dakota.

Company$ Bundle average saving% Bundle average saving
Fire Ins Exch$1,17018%
State Farm$1,16634%
American Family$90722%
Milbank Insurancr$53019%
Farm Bureau$51720%
Farmers Of NE$44219%
Auto Owners$2798%
North Star$1919%
State Auto Insurance$602%
See How Much You Can Save
See How Much You Can Save
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