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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 protects your items against fire, smoke damage, a wind event, vandalism, theft, and a collection of other misfortunes.
Unlike auto insurance, renters policies aren’t priced based on state-level legislation. Even so, there are relatively substantial differences in renters pricing by state. Renters insurance costs by state may vary based on the number and cost renters insurance claims filed statewide, and also on the value of the belongings covered by the policy.Getting a renters policy in South Dakota is less expensive than the national average. The typical annual renters insurance rate in South Dakota is $116, $68 less expensive than the average across America.
The best way to acquire cheap renters insurance in South Dakota is to shop around and compare rates from as many insurance companies as you can. Find out renters insurance rates in South Dakota by referencing the below data. Individual rates may vary depending on coverage options and the value of the items insured.
Renters insurance prices in South Dakota differ based on the insurance company you select. AAA sells the cheapest renters insurance in South Dakota — $60 per year. This beats the state's average cost of $116, offering a 48% discount on rates typical to the state.
Start your search for a renters policy by reviewing the best South Dakota renters insurance carriers, listed below.
| Company | Average Annual Rate in South Dakota |
| AAA | $60.00 |
| State Farm | $88.50 |
| Safeco | $90.50 |
| Milbank | $125.00 |
| Farm Bureau | $126.67 |
Not every city in South Dakota has equal renters insurance costs. Policies are often priced on city-specific variables, including the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.
The most affordable renters insurance in South Dakota is found in Dell Rapids. A typical renters insurance term in Dell Rapids totals just $115 each year — $2 less than the average South Dakota rate. The below table shows the best places to live in South Dakota if you’re looking for cheap renters insurance.
| City | Average Annual Renters Insurance Rate |
| Dell Rapids | $115 |
| Aberdeen | $115 |
| Pierre | $115 |
| Brookings | $115 |
| Milbank | $115 |
If you're looking for savings, consider holding your car and renters policies with the same insurance company. A renters and auto insurance bundle in South Dakota can save you a substantial sum each month on your auto insurance bill. Purchasing bundled policies in South Dakota leads to an average annual savings of $98.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,341.80 | $1,243.33 | $98.47 | 8% |
Bundling renters and auto policies is a great way to save. Start shopping today!
South Dakota renters insurance covers your listed possessions in the event of a covered peril (cause of loss). It can also provide liability coverage should you accidentally cause damage to another person's property or cause bodily injury.
South Dakota has a variety of companies that provide renters insurance. We suggest shopping around in order to find the best rates.