South Dakota Homeowners Insurance

How to find affordable South Dakota homeowners insurance and compare quotes to find a company that works for you

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: May 28, 2022

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The Rundown

  • The average cost to insure a home in South Dakota with $250,000 in dwelling coverage is around $2,150 per year
  • Some of the top insurance companies in South Dakota offer rates lower than the state average
  • You may be able to find affordable rates by using an online quote tool to compare rates from multiple companies at once

If you live in South Dakota or are considering moving to the state, you may be wondering how much it costs to insure a home. The average cost to insure a home with $250,000 in dwelling coverage is over $2,000 per year in South Dakota.

Though South Dakota homeowners insurance is often expensive, you may be able to find home insurance in South Dakota for much less than the state’s annual average. The best thing you can do to find a cheap homeowners insurance policy is to compare quotes from multiple insurance companies in your area.

How much is home insurance in South Dakota?

Though the average cost for homeowners insurance in South Dakota is around $180 per month, the amount you’ll pay for coverage depends on several factors.

Insurance companies consider several things when setting home insurance rates for policyholders. Insurers will likely look at the following factors when calculating premiums for home insurance:

  • Home’s age
  • Home’s condition
  • Rebuild price
  • ZIP code
  • Credit score
  • Claims history
  • Marital status
  • Additional coverages

Your South Dakota home insurance rates will depend on the factors above. For instance, if you own a home that would cost nearly $400,000 to rebuild, your coverage amount will cause your rates to be higher than average.

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How much is homeowners insurance in Rapid City?

The average annual premium for homeowners insurance in Rapid City is around $1,450. If you’re searching for home insurance in Rapid City, South Dakota, you should consider some of the area’s most trusted and popular home insurance companies.

The following insurance companies are among Rapid City’s most popular home insurance providers:

  • State Farm
  • Farmers
  • Allstate
  • American National
  • Security First
  • BankWest

If you’re interested in any of these companies, call the company and ask for more information on home insurance policies.

In many cases, homeowners prefer to purchase additional coverage on their homes since added coverage offers homeowners better protection if the house or personal property gets damaged.

If you want additional coverage on your standard home insurance policy, ask each company if the coverage you’re looking for is an option.

How much is home insurance in Sioux Falls, South Dakota?

In Sioux Falls, South Dakota, homeowners insurance costs around $3,700 annually. If this sounds expensive, don’t be surprised. Sioux Falls is among the most expensive cities to insure a home.

When you shop for home insurance in Sioux Falls, it’s crucial to compare rates from different companies to try and find the most affordable homeowners policy in your area. Some of the best insurance companies offering coverage in Sioux Falls include:

  • Travelers
  • State Farm
  • State Auto
  • Farmers
  • North Star
  • American National
  • Austin Mutual
  • USAA

Since home insurance in Sioux Falls can be pricey, you may want to ask any company you’re considering whether you qualify for home insurance discounts. Standard discounts for home insurance coverage include construction type, new home, safety features, and more.

Can I find cheap home insurance in South Dakota?

While you’re likely to pay more for home insurance in South Dakota than many other states, you can still find cheaper rates by comparing quotes from several companies to see which offers the most affordable coverage.

Comparing quotes from several companies can help you better understand how much you’ll pay for home insurance coverage. If you want extra coverage on your home insurance policy, you should plan to pay at least your state’s average monthly or annual rate, if not more.

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South Dakota Homeowners Insurance: The Bottom Line

Purchasing home insurance in South Dakota doesn’t have to be stressful. Depending on where you live, you may find that your monthly rates for coverage are lower than in other cities in your state.

When you shop for coverage, research to find the companies that would work best for you based on rates and coverage options. Then, if you need more information about a company or have questions about coverage, you can call the company and speak with a representative.

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