Homeowners Insurance in South Dakota

Finding homeowners insurance shouldn't be complicated. Compare rates from South Dakota by city and carrier below.

Find affordable homeowners insurance in South Dakota


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A homeowners policy covers your house and property against a variety of misfortunes, including fire, theft, vandalism, or wind damage.

Major differences exist in homeowners insurance costs from state to state. Home insurance rates by state differ based on the total number and value of homeowners claims lodged across the state, and depend on the price of the belongings and home you're insuring.

The easiest way to find an affordable homeowners insurance policy in South Dakota is to shop around and compare rates from as many insurance companies as you can. Find out how much home insurance costs in South Dakota via the below breakdown. Remember: your rates may differ, depending on your coverage limits.


Homeowners insurance in South Dakota:
  1. Rates by company
  2. Costs by city
  3. Home-and-auto bundling discounts

Homeowners insurance rates in South Dakota by insurer

Rates for home insurance in South Dakota will vary based on the insurance company you use. AAA sells the cheapest home insurance in South Dakota, at only $1,005 per year. This compares favorably to the state mean rate of $2,288, providing a $1,283 price break on the typical rates in the state.

Begin the hunt for a homeowners insurance policy by reviewing the most affordable South Dakota insurance companies, listed below.


THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN SOUTH DAKOTA
CompanyAverage 12-Month Rate in South Dakota
AAA$1,004.72
North Star$1,701.40
Farmers$1,856.46
Milbank$1,885.90
State Farm$2,104.25

South Dakota homeowners insurance costs: by city

Homeowners insurance rates in South Dakota differ by city. Policies are often priced on city-specific variables like the likelihood of weather-related claims in the area, meaning your ZIP code could have a major impact on how much you pay.

The most affordable home insurance in South Dakota is found in Brandon. An average home insurance policy in Brandon costs $1,978 per year — $310 less than the statewide average. The below cities have the most affordable homeowners insurance in South Dakota.


AFFORDABLE HOME INSURANCE CITIES IN SOUTH DAKOTA
CityAverage Annual Home Insurance Rate
Brandon$1,977.83
Huron$2,019.50
Mobridge$2,026.88
Milbank$2,033.92
Aberdeen$2,034.54

Save by bundling home and auto insurance in South Dakota

If you want to save on home insurance, consider holding your home and auto policies with the same insurance company. Bundling auto and homeowners insurance in South Dakota can save you a substantial sum each month on auto insurance. In fact, bundling policies in South Dakota leads to an a yearly discount of $199.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN SOUTH DAKOTA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,329.00$1,130.00$199.0018%

A great way to save is to bundle your auto and homeowners insurance policies. Get started today!


Find affordable insurance!