Best home insurance company in South Dakota: Auto-Owners
The best home insurance company in South Dakota for 2026 is Auto-Owners. North Star Mutual, Allstate, State Farm, and Farmers Mutual of Nebraska 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.
Cheapest home insurance company in South Dakota: Auto-Owners
Below are South Dakota home insurance rates by 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.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,822 | $2,607 | $3,381 | $4,748 | $6,763 |
| American Family | $2,651 | $3,538 | $4,355 | $5,888 | $8,366 |
| Auto-Owners | $1,857 | $2,283 | $2,717 | $3,731 | $5,606 |
| Farmers | $2,962 | $4,275 | $5,049 | $6,090 | $7,973 |
| Farmers Mutual of Nebraska | $2,118 | $2,933 | $3,880 | $5,770 | $7,042 |
| Iowa Farm Bureau | $4,332 | $6,229 | $8,239 | $12,157 | $15,001 |
| Nationwide | $3,838 | $5,380 | $6,840 | $9,625 | $14,039 |
| North Star Mutual | $2,066 | $2,840 | $3,847 | $5,858 | $8,636 |
| State Farm | $2,392 | $2,956 | $3,448 | $4,220 | $5,323 |
| USAA | $3,022 | $3,762 | $4,214 | $4,952 | $5,494 |
*USAA only provides coverage to military members, veterans and their families.
Average home insurance cost in South Dakota
The average homeowners insurance cost in South Dakota is $3,740 a year, or $312 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 TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
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 InsuranceThe most expensive ZIP codes in South Dakota for home insurance
South Dakota homeowners insurance rates are the most expensive for ZIP code 57751 with an average annual cost of $4,997.
The most expensive ZIP codes in South Dakota are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Keystone | 57751 | $4,997 |
| Batesland | 57716 | $4,987 |
| Buffalo Gap | 57722 | $4,982 |
| Fairburn | 57738 | $4,982 |
| Oelrichs | 57763 | $4,968 |
| Pringle | 57773 | $4,965 |
| Hot Springs | 57747 | $4,965 |
| Hermosa | 57744 | $4,963 |
| Smithwick | 57782 | $4,962 |
| Wounded Knee | 57794 | $4,945 |
The least expensive ZIP codes in South Dakota for home insurance
The cheapest ZIP codes for home insurance in South Dakota are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Waubay | 57273 | $2,741 |
| New Effington | 57255 | $2,965 |
| Rosholt | 57260 | $2,972 |
| Frederick | 57441 | $2,974 |
| Corona | 57227 | $2,974 |
| Stockholm | 57264 | $2,980 |
| Summit | 57266 | $2,981 |
| Peever | 57257 | $2,981 |
| Aberdeen | 57401 | $2,984 |
| Hecla | 57446 | $2,985 |
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.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Aurora | $3,924 | $327 |
| Beadle | $3,295 | $275 |
| Bennett | $4,234 | $353 |
| Bon Homme | $4,268 | $356 |
| Brookings | $3,138 | $261 |
| Brown | $3,023 | $252 |
| Brule | $3,937 | $328 |
| Buffalo | $3,879 | $323 |
| Butte | $4,055 | $338 |
| Campbell | $3,610 | $301 |
| Charles Mix | $4,088 | $341 |
| Clark | $3,047 | $254 |
| Clay | $3,967 | $331 |
| Codington | $3,029 | $252 |
| Corson | $4,122 | $344 |
| Custer | $4,963 | $414 |
| Davison | $3,884 | $324 |
| Day | $2,991 | $249 |
| Deuel | $3,063 | $255 |
| Dewey | $3,730 | $311 |
| Douglas | $4,039 | $337 |
| Edmunds | $3,109 | $259 |
| Fall River | $4,940 | $412 |
| Faulk | $3,184 | $265 |
| Grant | $3,013 | $251 |
| Gregory | $4,281 | $357 |
| Haakon | $4,030 | $336 |
| Hamlin | $3,082 | $257 |
| Hand | $3,528 | $294 |
| Hanson | $3,652 | $304 |
| Harding | $4,092 | $341 |
| Hughes | $3,839 | $320 |
| Hutchinson | $3,955 | $330 |
| Hyde | $3,721 | $310 |
| Jackson | $4,474 | $373 |
| Jerauld | $3,633 | $303 |
| Jones | $4,147 | $346 |
| Kingsbury | $3,165 | $264 |
| Lake | $3,266 | $272 |
| Lawrence | $4,462 | $372 |
| Lincoln | $3,661 | $305 |
| Lyman | $4,091 | $341 |
| Marshall | $3,042 | $254 |
| McCook | $3,657 | $305 |
| McPherson | $3,108 | $259 |
| Meade | $4,126 | $344 |
| Mellette | $4,167 | $347 |
| Miner | $3,243 | $270 |
| Minnehaha | $3,512 | $293 |
| Moody | $3,428 | $286 |
| Oglala Lakota | $4,919 | $410 |
| Pennington | $4,754 | $396 |
| Perkins | $3,886 | $324 |
| Potter | $3,636 | $303 |
| Roberts | $2,988 | $249 |
| Sanborn | $3,304 | $275 |
| Spink | $3,107 | $259 |
| Stanley | $4,097 | $341 |
| Sully | $3,737 | $311 |
| Todd | $4,366 | $364 |
| Tripp | $4,235 | $353 |
| Turner | $3,782 | $315 |
| Union | $3,882 | $323 |
| Walworth | $3,626 | $302 |
| Yankton | $4,009 | $334 |
| Ziebach | $3,877 | $323 |
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.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 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.
Compare South Dakota homeowners insurance rates with other states
