Finding homeowners insurance shouldn't be complicated. Compare rates from South Dakota by city and carrier below.
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.
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.
| Company | Average 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 |
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.
| City | Average Annual Home Insurance Rate |
| Brandon | $1,977.83 |
| Huron | $2,019.50 |
| Mobridge | $2,026.88 |
| Milbank | $2,033.92 |
| Aberdeen | $2,034.54 |
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.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,329.00 | $1,130.00 | $199.00 | 18% |
A great way to save is to bundle your auto and homeowners insurance policies. Get started today!