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The average cost of renters insurance in South Dakota is $184 a year, according to a rate analysis by 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

  • South Dakota residents pay an average of $184 annually for standard renters insurance policy.
  • 57317 is the least expensive ZIP code in South Dakota with an average annual rate of $182 per year.
  • In South Dakota, State Farm offers the cheapest renters insurance at $128 annually.
  • Nationwide is the best renters insurance company based on the research, with a J.D.Power score of 859 out of 1,000.

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 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:

CompanyAverage rating(out of 5)
State Farm4
Farmers Insurance2.5

Compare best renters insurance companies in South Dakota

Nationwide tops the list of best renters insurance companies in South Dakota with 859 J.D. Power scores, the highest among the carriers surveyed. Its average rate for South Dakota residents is $162 annually --- $89 less than the national average ($251).

Apart from Nationwide, you can get a renters insurance policy from companies like State Farm & Allstate. 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 PremiumAM Best Ratings
Farmers Insurance831$173A
State Farm836$128A++

How much is renters insurance in South Dakota

The average renters insurance policy in South Dakota costs around $184 per year or $15 a month. However, premiums may 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 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

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 may 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 $196.

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

ZIP codeAverage Annual Rate

10 Least expensive zip codes in South Dakota for renters insurance

The least expensive zip code for renters insurance in South Dakota is 57317, its average annual cost is $182. 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

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's rate analysis, State Farm is the cheapest renters insurance provider. It offers a standard renters insurance policy at an average of $128 annually.

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

Company NameAverage Annual Premium
State Farm$128
Farm bureau$160
North Star Mutual$188
Farmers Mutual Ins Co of NE$228
American Family$248 compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1000 deductible and $100,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $40,000, liability coverage of $100,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.

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