South Dakota Homeowners Insurance Quotes (2024)

Property and casualty insurance specialist

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Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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Licensed property and casualty insurance agent

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John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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Chartered financial analyst

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Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

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Updated February 25, 2022

Save up to $717 by comparing quotes from the top 100+ insurance companies

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Average Cost of Home Insurance in South Dakota

According to 2021 rates, the average cost of homeowners insurance in South Dakota is $1446 per year and $121 per month. South Dakota homeowners insurance rates are $48 per year more then the national average and about 3% more annually. When compared to the other US states that makes the cost of homeowners insurance in South Dakota the 17th most expensive in the country, based on 2021 data.

For shoppers, the best way to find a homeowners insurance policy in South Dakota is to evaluate all of the quotes from individual insurance providers and then decide on the policy that fits your requirements and budget level. Fortunately finding the right homeowners insurance coverage is easy with a tool like Insurify.

Insurify provides easy and fast home insurance quote comparisons for all kinds of homeowners nationwide. Insurify has helped thousands of customers receive accurate homeowners quotes for your property in South Dakota in minutes.

Cheapest Home Insurance Companies in South Dakota

For homeowners in South Dakota, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for your home.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in South Dakota. The following are the best insurance rates from carriers that offer homeowners insurance in South Dakota.

How to Get Affordable Home Insurance in South Dakota

With so many insurance providers out there, it can be confusing to try to find the best homeowners insurance. You don’t have to skimp on coverage to save on insurance rates. Insurify is here to help you find the most comprehensive coverage at the lowest price. Ready to get started? Give Insurify a little information about yourself, and you’ll have an affordable quote in no time!

South Dakota homeowners can save even more on insurance rates through discounts like the bundling discount, an easy way to save money just by combining home and auto insurance.

Are you ready to start saving? Use Insurify for the best and cheapest home insurance quotes!

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South Dakota Homeowners Insurance Rates by Company

Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.

As of 2021, the average home insurance premium in South Dakota costs $3,656 annually, and the median home value is $220,326.

Homeowners in South Dakota cities, including Rapid City, Sioux Falls, Pierre, and Aberdeen, can see average home insurance rates that vary depending on several determining factors.

Average Annual Home Insurance Premium in South Dakota by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

Home Insurance Rates in South Dakota Cities

Homeowners in South Dakota cities such as Rapid City, Pierre, Sioux Falls, and Aberdeen are looking for the lowest possible rates on home insurance coverage. Several factors go into determining these rates.

Like property costs, home insurance varies in price from city to city. Pricing is determined by ZIP code–specific variables, such as the volume of claims filed nearby, crime rates, and property costs, and risk variables, such as natural disaster frequency. Even your specific neighborhood may determine if you pay more or less on our annual premiums.

Rates in South Dakota can be relatively high or low compared to the national average; it all depends on which town you live in. Here are the most and least expensive ZIP codes in South Dakota for home insurance.

What does home insurance cover in South Dakota?

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:

The simplest and least comprehensive type of homeowners insurance.

Provides coverage for a handful of potential problems including:

Broad form homeowners insurance policies include all basic form coverage, plus:

Mobile Home Insurance in South Dakota

Many home insurance providers also offer mobile home insurance. A mobile home policy is similar to other home insurance coverage in many ways. Both policies offer protection for your dwelling, personal belongings, and liability protection should someone suffer an injury or damage to personal property while at your home.

Mobile home insurance protects your home against property damage suffered from a natural disaster or another covered loss, such as vandalism. If you have a loss, the policy will pay for structural damage to your mobile home as well as additional living expenses should you have to move out while the home is being repaired.

The best way to find affordable mobile home insurance coverage in South Dakota is by comparing insurance quotes with Insurify.

Additional Insurance Coverage Options in South Dakota

One way homeowners can make sure their home is adequately protected is by adding additional coverage through policy riders, a.k.a. insurance endorsements or policy floaters.

Common types of policy riders available for home insurance policies include the scheduled personal property endorsement, which adds coverage for valuable items, such as jewelry, electronics, and coin collections; the water backup endorsement, covering water damage caused by a clogged drain or sump pump; business property coverage, adding coverage for any equipment in your home used for business purposes; and identity theft coverage, reimbursing you for expenses resulting from your identity being stolen, such as legal fees, lost wages, and postal expenses.

Other types of additional coverage can be added to a home insurance policy. If you need a specific type of coverage, check with your local agent to see what home insurance coverage options are available.

Insurify can help you quickly get a home insurance quote with insurance providers who offer additional coverage options for homeowners coverage in South Dakota.

Special Home Insurance Situations in South Dakota

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in South Dakota.

Cheapest Home Insurance for Houses Near Fire Department in South Dakota

If your home is within a certain distance from a fire department or fire hydrant your rates may decrease. The same applies for the opposite. If your home is far from fire safety, you may pay more for homeowners insurance.

Cheapest Home Insurance for Houses Less Than 20 Years Old in South Dakota

The age of your home and its major systems may affect the policy rate you're quoted by insurance companies

Great faces. Great places. Great homeowners inurance rates!

During these uncertain economic times, South Dakota homeowners are looking for more ways to tighten their household budgets. High home insurance rates do not have to be another added expense when you take the time to compare rates. Use Insurify, the best way to compare home insurance premiums for your property in South Dakota. Our comparison tools make homeowners insurance shopping (and saving) simple so you can be on your way to enjoying your newly insured home in no time.

Frequently Asked Questions

How long does it take to process home insurance claims in South Dakota?

The ideal situation for homeowners and insurance companies alike is to pay a home insurance claim as quickly as possible. There are ways to expedite your home insurance claim, including properly documenting your valuables by taking pictures and with a home insurance inventory.

Of course, you want your home insurance claim paid as quickly as possible. However, it’s best to keep in mind that if there has been some sort of catastrophic event in your area, claims adjusters are sometimes overwhelmed with claims, and it may take a little longer than expected before they can inspect the damage at your location.

Insurance companies in South Dakota are required by law to respond to all claims communications within 30 days. If you feel it is taking a long time to hear back about your home insurance claim, you may want to contact your insurance company to verify it has received the claim

Is flood insurance part of standard South Dakota home insurance policies?

South Dakota homeowners should know that home insurance policies do not cover damage from floods. Flood insurance is only available through the federal government from the National Flood Insurance Program (NFIP). While only the NFIP administers flood insurance, it does have approved agents who are authorized to sell it. If in doubt about where to purchase flood insurance, you can visit the NFIP website and search for approved agents in your area.

Does State Farm offer homeowners insurance in South Dakota?

State Farm is one of the largest home insurance providers in the United States, offering coverage in all states, including South Dakota. State Farm offers many ways to save on home insurance, including discounts for installing protective devices, such as smoke detectors, burglar alarms, and home monitoring and home security systems. You can also receive additional discounts for multiple policies (home and auto insurance bundling) and roofing discounts (for using impact-resistant roofing products). A unique offering to policyholders is State Farm’s Premier Service Program (availability varies by location). It is a program of premier providers of water mitigation, flooring, general contracting, and roofing services that work together to help State Farm policyholders recover from losses.

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Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance, focusing on market and pricing trends in home and auto insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Licensed property and casualty insurance agent

8+ years editing experience

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

Read Editorial Guidelines

Featured in

Chartered financial analyst

12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

Read Editorial Guidelines

Featured in