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The average cost of renters insurance in South Dakota is $214 a year, according to a rate analysis by Insurance.com. There are a lot of things to consider when looking for the best renters insurance in South Dakota. Price is always a consideration, but it's not the only thing you should take into account when deciding on a renters insurance company. You should compare the policies offered by different companies on the basis of the average rate, coverage options, and customer service.

We have put together this guide to help you make the right decision. In this guide, you will find the best and cheap renters insurance companies for South Dakota renters. Besides, you can compare the companies based on their average rate and ratings. Keep on reading this resource to find the best renters insurance company in South Dakota for your specific needs and budget.

KEY TAKEAWAYS
  • The average cost of renters insurance in South Dakota is $214 a year.
  • State Farm tops the list of best renters insurance companies in South Dakota.
  • American Family is the cheapest renters insurance cover provider. It offers a standard renters insurance policy at an average of $129 annually.

Best renters insurance companies in South Dakota

When it comes to choosing the best renters insurance company in South Dakota, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in South Dakota. Below is the list of best renters insurance companies in South Dakota:

  • State Farm
  • American Family
  • Allstate
  • Farmers
  • Liberty Mutual

Compare best renters insurance companies in South Dakota

State Farm tops the list of best renters insurance companies in South Dakota with 866 J.D. Power scores, the highest among the carriers surveyed. Its average rate for South Dakota residents is $159 annually--- $167 less than the national average ($326).

Apart from State Farm, you can get a renters insurance policy from companies like American Family, Allstate, Farmers, Liberty Mutual, and Travelers. If you want an affordable renters insurance policy, compare these insurance providers on the basis of their J.D. Power score and average rates that are mentioned in the table below.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$159
American Family838$195
Allstate833$209
Farmers831$245
Liberty Mutual823$365
Travelers815$284

How much is renters insurance in South Dakota

The average renters insurance policy in South Dakota costs around $214 per year or $18 a month. However, the renters insurance premium can vary significantly depending on a number of factors, including your coverage limits, the amount of your deductible, and the type of property you want to insure.

Renters insurance policies in South Dakota typically provide two types of coverage: personal property damage coverage and liability coverage. Personal property coverage helps protect your belongings in case they're damaged or stolen, while liability coverage provides protection if someone is injured, or their property is damaged as a result of an accident that occurred at your home.

Average annual premiumAverage monthly premium
$214$18

10 Most expensive zip codes in South Dakota for renters insurance

Renters insurance is a necessary purchase for anyone who rents a home or apartment, but the cost of coverage can vary depending on the zip code. Some zip codes in South Dakota are more expensive than others when it comes to renters insurance premiums. The most expensive zip code for renters insurance in South Dakota is 57719 and its average annual rate for South Dakota renters is $233.

The 10 most expensive zip codes for renters insurance in the state are listed below.

ZIP codeAverage annual rate
57719$233
57702$232
57706$231
57703$230
57639$228
57787$227
57439$225
57620$224
57638$223
57563$222

10 Least expensive zip codes in South Dakota for renters insurance

The least expensive zip code for renters insurance in South Dakota is 57002, its average annual cost is $208.Below are the 10 least expensive zip codes in South Dakota for renters insurance premiums are listed below.

These areas may typically have lower property values or fewer risks associated with renting, which results in lower premiums for renters' insurance coverage.

ZIP codeAverage annual rate
57002$208
57006$209
57003$210
57012$211
57031$212
57005$213
57015$214
57013$215
57004$216
57021$217

Cheap renters insurance in South Dakota by carrier

When it comes to renters insurance, it’s important to shop around and compare rates to make sure you’re getting the best deal possible. Each of these carriers typically offers competitive rates for renters insurance coverage in South Dakota.

Based on Insurance.com's rate analysis, American Family is the cheapest renters insurance cover provider. It offers a standard renters insurance policy at an average of $129 annually.

Find below the list of cheapest renters insurance companies in South Dakota along with their average annual premium.

Company nameAverage annual premium
American Family$129
State Farm$153
Allstate$173
Farmers$197
Fire Ins Exch$216
Safeco$218
Farm Bureau$232
Travelers$247
Liberty$316

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