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North Star Mutual is the best homeowners insurance company in South Dakota, based on a 2023 analysis by Insurance.com, with an overall rating of 4.64. USAA, which is only available to military members and their families, came in second, with an overall rating of 4.54.  

North Star Mutual also offers the cheapest home insurance in South Dakota at all coverage levels.

With so many options out there, it is not easy to choose a homeowners insurance company in South Dakota. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in South Dakota is $3,529 a year or $294 a month.
  • The cheapest homeowners insurance company in South Dakota is North Star Mutual with an average home insurance rate of $2,194 a year.
  • North Star Mutual ranks as the best homeowners insurance in South Dakota for 2023.

Average home insurance cost in South Dakota

The average cost of homeowners insurance in South Dakota is $3,529 a year or $294 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.

Best home insurance companies in South Dakota 

The best home insurance company in South Dakota for 2023 is North Star Mutual, followed by USAA and Farmers Mutual Ins Co of NE.  

Below is a full list of the top South Dakota insurance companies 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 South Dakota
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
North Star MutualA$ 2,1940.34.64
USAAA++$ 2,7670.414.54
Farmers Mutual Ins Co of NEA$ 2,5950.54.29
Iowa Farm BureauA$ 2,9590.334.18
Auto-OwnersA++$ 3,8530.194.04
State FarmA++$ 3,5331.073.73
American FamilyA$ 3,5870.63.66
NationwideA+$ 4,0710.753.45
AllstateA+$ 2,8832.043.4
FarmersA$ 4,6180.333.22

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

Cheapest home insurance companies in South Dakota

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

Cheapest home insurance rates in South Dakota by coverage level
Company$200,000$300,000$400,000$500,000$600,000
North Star Mutual$ 1,612$ 2,194$ 2,951$ 3,721$ 4,516
Farmers Mutual Ins Co of NE$ 1,866$ 2,595$ 3,440$ 4,279$ 5,120
USAA$ 2,153$ 2,767$ 3,309$ 3,892$ 4,368
Allstate$ 2,034$ 2,883$ 3,719$ 4,553$ 5,198
Iowa Farm bureau$ 2,146$ 2,959$ 3,810$ 4,659$ 5,392
State Farm$ 2,762$ 3,533$ 4,308$ 5,192$ 5,963
American Family$ 2,757$ 3,587$ 4,347$ 5,098$ 5,769
Auto-Owners$ 3,286$ 3,853$ 5,164$ 6,297$ 7,154
Nationwide$ 2,995$ 4,071$ 5,111$ 6,100$ 7,064
Farmers$ 3,289$ 4,618$ 5,419$ 4,797$ 5,636

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

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 CALIFORNIA

$200,000
$1,000
$100,000
94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $797

HIGHEST RATE: $1,179 LOWEST RATE: $496

Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92325Crestline$1,450
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
94086Sunnyvale$742
94085Sunnyvale$743
94087Sunnyvale$743
95051Santa Clara$743

The most expensive ZIP codes in South Dakota for home insurance 

South Dakota homeowners insurance rates are the most expensive for ZIP code 57722 with an average annual cost of $4,246.

The most expensive ZIP codes in South Dakota are:

ZIP codeAverage annual rates
57722$ 4,246
57747$ 4,243
57773$ 4,238
57772$ 4,231
57751$ 4,226
57744$ 4,222

The least expensive ZIP codes in South Dakota for home insurance

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

ZIP codeAverage annual rates
57005$ 3,139
57441$ 3,145
57246$ 3,165
57260$ 3,165
57252$ 3,165
57446$ 3,166
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