Finding renters insurance shouldn't be complicated. Compare rates from South Dakota by city and carrier below.
Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. Renters insurance covers household items against fire, smoke damage, a wind storm, vandalism or theft, and a variety of other situations.
There are substantial differences in the cost of renters policies by state. Renters insurance costs by state may vary based on the value of — and frequency of — renters insurance claims filed statewide, and depend on the value of the belongings you're insuring.Renters insurance in South Dakota is cheaper than the nationwide average. The average annual cost of renters insurance in South Dakota is $116, $68 less expensive than the US average.
The easiest way to find inexpensive renters insurance in South Dakota is to get quotes from as many companies as possible. Learn more about how much renters insurance costs in South Dakota by reviewing the below data. Your rates may vary, depending on your coverage details and the value of your belongings.
Renters insurance rates in South Dakota differ depending on which insurer you select. AAA offers the most affordable renters policies in South Dakota — just $60 yearly. This compares favorably to South Dakota's average cost of $116, providing a 48% discount on the typical rates in the state.
Begin your search for affordable coverage by reviewing the best South Dakota renters insurance carriers, listed below.
| Insurer | Average Annual Rate in South Dakota |
| AAA | $60.00 |
| State Farm | $88.50 |
| Safeco | $90.50 |
| Milbank | $125.00 |
| Farm Bureau | $126.67 |
Renters insurance rates in South Dakota vary by city. Policy pricing may depend on locally specific variables such as the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.
The best renters insurance rates in South Dakota are available in Dell Rapids. In Dell Rapids, the typical renters insurance policy costs $115 every 12 months — $2 less than the state average. The below cities have the most affordable renters insurance in South Dakota.
| City | Average 12-Month Renters Insurance Rate |
| Dell Rapids | $114.55 |
| Aberdeen | $114.59 |
| Pierre | $114.64 |
| Brookings | $114.75 |
| Milbank | $114.91 |
If you want to save, consider holding your renters and auto policies with the same insurance company. A renters and auto insurance bundle in South Dakota can lead to substantial savings on your auto insurance bill. Purchasing bundled policies in South Dakota results in average annual savings of $98.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,341.80 | $1,243.33 | $98.47 | 8% |
One of the best ways to save on auto insurance is to bundle policies. Get started today!