Best Homeowners Insurance in South Dakota
Best cheap home insurance in South Dakota
Cheapest home insurance in South Dakota
Allstate and Farm Bureau are next for most South Dakota homeowners. Their average rates are just over $280 per month.
Members of the military and their families should also check out USAA, as its rates average $265 per month.
South Dakota’s cheapest home insurance companies
| Company | Annual rate | Monthly rate | LendingTree score | |
|---|---|---|---|---|
 | North Star Mutual | $2,530 | $211 |  |
 | Allstate | $3,366 | $281 |  |
 | Farm Bureau | $3,410 | $284 |  |
 | American Family | $3,729 | $311 | |
 | Nationwide | $3,792 | $316 | |
 | State Farm | $3,983 | $332 | |
 | Farmers | $4,852 | $404 | |
 | USAA* | $3,176 | $265 | |
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage. *USAA is only available to current and former members of the military as well as certain family members.
Before you buy or renew a policy, compare home insurance quotes from all of the companies discussed above to see which one will give you the best offer.
Best home insurance companies in South Dakota
South Dakota’s best homeowners insurance companies
| Company | Best for | Annual rate | Customer satisfaction** | Complaint index*** |
|---|---|---|---|---|
| North Star Mutual | Overall | $2,530 | Not rated | 0.83 |
| Allstate | Runner-up | $3,366 | 631 | 1.3 |
| Farmers | Discounts | $4,852 | 609 | 0.85 |
| American Family | Coverage options | $3,729 | 638 | 0.49 |
**Source: J.D. Power 2024 U.S. Home Insurance Study. Higher is better; 640 is average.
***Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Best company overall: North Star Mutual
North Star Mutual is South Dakota’s best homeowners insurance company because of its low rates, discount options and menu of add-ons. It also receives fewer customer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners (NAIC).
Pros
Cheapest home insurance rates in South Dakota
Several discounts that could make it even cheaper
Many optional coverages
Few customer complaints
Cons
No customer satisfaction score from J.D. Power
Runner-up: Allstate
Allstate is a good second option for South Dakota residents who want the state’s best home insurance. If you qualify for a few of its many discounts, Allstate could be the most affordable company for you. It also has add-on coverages that protect a lot more than just the basics.
Pros
Second-cheapest average rate in the state
Good selection of discounts
Many coverage options
Cons
Customer satisfaction score is lower than average
Poor NAIC complaint rating
Best discounts: Farmers
Although Farmers’ home insurance rates are higher than most of the other companies we surveyed in South Dakota, its many discounts could make it a lot more affordable. You may get a home insurance discount from Farmers for:
- Bundling home and auto insurance or other policies
- Being a member of certain groups or associations
- Insuring a newer home
- Installing protective devices
- Various home safety features or updates
- Using certain roofing materials
- Going paperless
- Paying for your policy in full
- Paying your bill on time
- Filing no claims for at least for three consecutive years
Pros
More discounts than any other surveyed company
Good complaint rating from NAIC
Cons
Higher rates than most competitors
Poor J.D. Power customer satisfaction score
Best coverage options: American Family
South Dakotans who want to customize their home insurance policies may want to consider American Family. You can add many optional coverages to an American Family policy, including coverage for:
- Equipment breakdown
- Flash flood damage
- Hidden water damage
- Home renovations
- Matching undamaged siding
- Roof damage
- Sewer or septic back-up and sump overflow
- Home business
- Short-term rentals
- Identity protection
Pros
More coverage options than any other surveyed company
Several discounts
NAIC complaint rating suggests happy customers
Cons
Rates are a little over the state average
Customer satisfaction score is worse than average
Average cost of homeowners insurance in South Dakota
Home insurance companies base your rate or premium on several factors, including where you live within a state and the coverage types and amounts you choose for your policy.
The amount of dwelling coverage Your home insurance policy’s dwelling coverage pays to repair or rebuild the structure of your home if a fire, hail or other event damages or destroys it. you choose can have a big impact on what you pay for a home insurance policy. We found that a policy with $450,000 of dwelling coverage costs about 20% more than one with $350,000 of coverage in South Dakota.
Average home insurance rate by dwelling limit
| Dwelling limit | Annual rate | Monthly rate |
|---|---|---|
| $350,000 | $3,208 | $267 |
| $400,000 | $3,605 | $300 |
| $450,000 | $3,984 | $332 |
South Dakota home insurance rates by city
In the South Dakota’s biggest cities, the average cost of home insurance per month is:
- Aberdeen, $259
- Brookings, $272
- Rapid City, $319
- Sioux Falls, $307
- Watertown, $268
Home insurance rates near you
| City | Annual rate Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage. | Monthly rate Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage. |
|---|---|---|
| Aberdeen | $3,112 | $259 |
| Agar | $3,372 | $281 |
| Agency Village | $3,147 | $262 |
| Akaska | $3,298 | $275 |
| Alcester | $3,792 | $316 |
| Alexandria | $3,763 | $314 |
| Allen | $4,072 | $339 |
| Alpena | $3,359 | $280 |
| Amherst | $3,219 | $268 |
| Andover | $3,150 | $263 |
| Antelope | $4,011 | $334 |
| Arlington | $3,435 | $286 |
| Armour | $3,823 | $319 |
| Artesian | $3,415 | $285 |
| Ashland Heights | $3,795 | $316 |
| Ashton | $3,269 | $272 |
| Astoria | $3,267 | $272 |
| Athol | $3,269 | $272 |
| Aurora | $3,384 | $282 |
| Avon | $4,080 | $340 |
| Badger | $3,479 | $290 |
| Baltic | $3,664 | $305 |
| Barnard | $3,179 | $265 |
| Batesland | $4,352 | $363 |
| Bath | $3,183 | $265 |
| Belle Fourche | $3,736 | $311 |
| Belvidere | $4,100 | $342 |
| Bemis | $3,190 | $266 |
| Beresford | $3,705 | $309 |
| Big Stone City | $3,281 | $273 |
| Bison | $3,706 | $309 |
| Blackhawk | $3,832 | $319 |
| Blunt | $3,384 | $282 |
| Bonesteel | $3,861 | $322 |
| Bowdle | $3,201 | $267 |
| Box Elder | $3,923 | $327 |
| Bradley | $3,196 | $266 |
| Brandon | $3,515 | $293 |
| Brandt | $3,335 | $278 |
| Brentford | $3,211 | $268 |
| Bridgewater | $3,793 | $316 |
| Bristol | $3,187 | $266 |
| Britton | $3,146 | $262 |
| Brookings | $3,269 | $272 |
| Bruce | $3,414 | $284 |
| Bryant | $3,287 | $274 |
| Buffalo | $3,675 | $306 |
| Buffalo Gap | $4,272 | $356 |
| Bullhead | $3,574 | $298 |
| Burbank | $3,757 | $313 |
| Burke | $3,826 | $319 |
| Butler | $3,187 | $266 |
| Camp Crook | $3,783 | $315 |
| Canistota | $3,714 | $309 |
| Canova | $3,498 | $291 |
| Canton | $3,835 | $320 |
| Caputa | $4,021 | $335 |
| Carpenter | $3,209 | $267 |
| Carthage | $3,338 | $278 |
| Cavour | $3,295 | $275 |
| Chamberlain | $3,584 | $299 |
| Chancellor | $3,747 | $312 |
| Chelsea | $3,185 | $265 |
| Cherry Creek | $3,735 | $311 |
| Claire City | $3,164 | $264 |
| Clark | $3,230 | $269 |
| Clear Lake | $3,211 | $268 |
| Colome | $3,811 | $318 |
| Colonial Pine Hills | $3,961 | $330 |
| Colton | $3,596 | $300 |
| Columbia | $3,144 | $262 |
| Conde | $3,221 | $268 |
| Corona | $3,144 | $262 |
| Corsica | $3,830 | $319 |
| Cottonwood | $4,002 | $334 |
| Cresbard | $3,274 | $273 |
| Crooks | $3,620 | $302 |
| Custer | $4,198 | $350 |
| Dakota Dunes | $4,008 | $334 |
| Dallas | $3,751 | $313 |
| Dante | $3,882 | $323 |
| Davis | $3,677 | $306 |
| De Smet | $3,297 | $275 |
| Deadwood | $3,814 | $318 |
| Dell Rapids | $3,622 | $302 |
| Delmont | $3,878 | $323 |
| Denby | $4,352 | $363 |
| Dimock | $3,836 | $320 |
| Dixon | $3,751 | $313 |
| Doland | $3,329 | $277 |
| Draper | $3,588 | $299 |
| Dupree | $3,724 | $310 |
| Eagle Butte | $3,508 | $292 |
| Eden | $3,185 | $265 |
| Edgemont | $4,195 | $350 |
| Egan | $3,564 | $297 |
| Elk Point | $3,809 | $317 |
| Elkton | $3,421 | $285 |
| Ellsworth AFB | $3,736 | $311 |
| Elm Springs | $4,002 | $334 |
| Emery | $3,855 | $321 |
| Enning | $3,879 | $323 |
| Erwin | $3,334 | $278 |
| Ethan | $3,674 | $306 |
| Eureka | $3,178 | $265 |
| Fairburn | $4,318 | $360 |
| Fairfax | $3,820 | $318 |
| Fairview | $3,780 | $315 |
| Faith | $3,803 | $317 |
| Faulkton | $3,237 | $270 |
| Fedora | $3,507 | $292 |
| Ferney | $3,342 | $279 |
| Firesteel | $3,649 | $304 |
| Flandreau | $3,449 | $287 |
| Florence | $3,186 | $266 |
| Fort Meade | $3,799 | $317 |
| Fort Pierre | $3,562 | $297 |
| Fort Thompson | $3,500 | $292 |
| Frankfort | $3,280 | $273 |
| Frederick | $3,109 | $259 |
| Freeman | $3,847 | $321 |
| Fulton | $3,723 | $310 |
| Gann Valley | $3,473 | $289 |
| Garden City | $3,201 | $267 |
| Garretson | $3,700 | $308 |
| Gary | $3,417 | $285 |
| Geddes | $3,791 | $316 |
| Gettysburg | $3,306 | $275 |
| Glad Valley | $3,716 | $310 |
| Glencross | $3,627 | $302 |
| Glenham | $3,293 | $274 |
| Goodwin | $3,190 | $266 |
| Green Valley | $3,761 | $313 |
| Gregory | $3,733 | $311 |
| Grenville | $3,196 | $266 |
| Groton | $3,148 | $262 |
| Hamill | $3,656 | $305 |
| Harrisburg | $3,698 | $308 |
| Harrison | $3,739 | $312 |
| Harrold | $3,390 | $283 |
| Hartford | $3,662 | $305 |
| Hayes | $3,700 | $308 |
| Hayti | $3,268 | $272 |
| Hazel | $3,252 | $271 |
| Hecla | $3,131 | $261 |
| Henry | $3,251 | $271 |
| Hermosa | $4,277 | $356 |
| Herreid | $3,204 | $267 |
| Herrick | $3,752 | $313 |
| Highmore | $3,279 | $273 |
| Hill City | $3,896 | $325 |
| Hitchcock | $3,257 | $271 |
| Holabird | $3,312 | $276 |
| Hosmer | $3,208 | $267 |
| Hot Springs | $4,242 | $354 |
| Houghton | $3,166 | $264 |
| Hoven | $3,242 | $270 |
| Howard | $3,435 | $286 |
| Howes | $3,799 | $317 |
| Hudson | $3,816 | $318 |
| Hurley | $3,700 | $308 |
| Huron | $3,227 | $269 |
| Ideal | $3,609 | $301 |
| Interior | $4,092 | $341 |
| Ipswich | $3,162 | $264 |
| Irene | $3,772 | $314 |
| Iroquois | $3,311 | $276 |
| Isabel | $3,649 | $304 |
| Java | $3,243 | $270 |
| Johnson Siding | $3,964 | $330 |
| Kadoka | $4,036 | $336 |
| Kaylor | $3,715 | $310 |
| Keldron | $3,732 | $311 |
| Kennebec | $3,617 | $301 |
| Keystone | $4,253 | $354 |
| Kimball | $3,582 | $298 |
| Kranzburg | $3,195 | $266 |
| Kyle | $4,195 | $350 |
| Labolt | $3,167 | $264 |
| Lake Andes | $3,848 | $321 |
| Lake City | $3,177 | $265 |
| Lake Norden | $3,320 | $277 |
| Lake Preston | $3,419 | $285 |
| Lane | $3,525 | $294 |
| Langford | $3,210 | $268 |
| Lantry | $3,558 | $296 |
| Lead | $3,724 | $310 |
| Lebanon | $3,276 | $273 |
| Lemmon | $3,616 | $301 |
| Lennox | $3,655 | $305 |
| Leola | $3,216 | $268 |
| Lesterville | $3,842 | $320 |
| Letcher | $3,573 | $298 |
| Little Eagle | $3,575 | $298 |
| Lodgepole | $3,717 | $310 |
| Long Lake | $3,215 | $268 |
| Long Valley | $3,926 | $327 |
| Ludlow | $3,825 | $319 |
| Lyons | $3,644 | $304 |
| Madison | $3,466 | $289 |
| Manderson | $4,083 | $340 |
| Mansfield | $3,173 | $264 |
| Marion | $3,758 | $313 |
| Martin | $3,995 | $333 |
| Marty | $3,665 | $305 |
| Marvin | $3,170 | $264 |
| McIntosh | $3,661 | $305 |
| McLaughlin | $3,524 | $294 |
| Meadow | $3,716 | $310 |
| Menno | $3,878 | $323 |
| Midland | $3,824 | $319 |
| Milbank | $3,118 | $260 |
| Milesville | $3,775 | $315 |
| Miller | $3,402 | $284 |
| Mission | $3,991 | $333 |
| Mission Hill | $3,878 | $323 |
| Mitchell | $3,685 | $307 |
| Mobridge | $3,232 | $269 |
| Monroe | $3,712 | $309 |
| Morristown | $3,685 | $307 |
| Mound City | $3,241 | $270 |
| Mud Butte | $3,789 | $316 |
| Murdo | $3,644 | $304 |
| Nemo | $3,840 | $320 |
| New Effington | $3,100 | $258 |
| New Holland | $3,731 | $311 |
| New Underwood | $3,982 | $332 |
| Newell | $3,719 | $310 |
| Nisland | $3,739 | $312 |
| Norris | $4,023 | $335 |
| North Eagle Butte | $3,513 | $293 |
| North Sioux City | $4,012 | $334 |
| North Spearfish | $3,789 | $316 |
| Northville | $3,185 | $265 |
| Nunda | $3,367 | $281 |
| Oelrichs | $4,283 | $357 |
| Oglala | $4,264 | $355 |
| Okaton | $3,680 | $307 |
| Okreek | $3,832 | $319 |
| Oldham | $3,407 | $284 |
| Olivet | $3,837 | $320 |
| Onaka | $3,222 | $268 |
| Onida | $3,319 | $277 |
| Opal | $3,789 | $316 |
| Oral | $4,214 | $351 |
| Orient | $3,309 | $276 |
| Ortley | $3,162 | $264 |
| Ottumwa | $3,824 | $319 |
| Parkston | $3,888 | $324 |
| Parmelee | $4,060 | $338 |
| Peever | $3,148 | $262 |
| Philip | $3,857 | $321 |
| Pickstown | $3,744 | $312 |
| Piedmont | $3,952 | $329 |
| Pierpont | $3,181 | $265 |
| Pierre | $3,438 | $286 |
| Pine Ridge | $4,198 | $350 |
| Plainview | $3,799 | $317 |
| Plankinton | $3,625 | $302 |
| Platte | $3,728 | $311 |
| Pollock | $3,260 | $272 |
| Porcupine | $4,304 | $359 |
| Prairie City | $3,704 | $309 |
| Presho | $3,556 | $296 |
| Pringle | $4,267 | $356 |
| Pukwana | $3,610 | $301 |
| Quinn | $4,002 | $334 |
| Ralph | $3,828 | $319 |
| Ramona | $3,404 | $284 |
| Rapid City | $3,824 | $319 |
| Rapid Valley | $3,758 | $313 |
| Raymond | $3,226 | $269 |
| Redfield | $3,270 | $273 |
| Redig | $3,825 | $319 |
| Ree Heights | $3,399 | $283 |
| Reliance | $3,620 | $302 |
| Renner | $3,620 | $302 |
| Reva | $3,793 | $316 |
| Revillo | $3,191 | $266 |
| Ridgeview | $3,610 | $301 |
| Rockham | $3,340 | $278 |
| Roscoe | $3,210 | $267 |
| Rosebud | $3,986 | $332 |
| Rosholt | $3,106 | $259 |
| Roslyn | $3,180 | $265 |
| Rutland | $3,406 | $284 |
| Salem | $3,670 | $306 |
| Scenic | $4,129 | $344 |
| Scotland | $4,048 | $337 |
| Selby | $3,217 | $268 |
| Seneca | $3,266 | $272 |
| Shindler | $3,779 | $315 |
| Sinai | $3,438 | $287 |
| Sioux Falls | $3,685 | $307 |
| Sisseton | $3,114 | $259 |
| Sky Ranch | $3,783 | $315 |
| Smithwick | $4,273 | $356 |
| South Shore | $3,173 | $264 |
| Spearfish | $3,840 | $320 |
| Spencer | $3,673 | $306 |
| Springfield | $4,142 | $345 |
| St. Charles | $3,778 | $315 |
| St. Francis | $4,084 | $340 |
| St. Lawrence | $3,367 | $281 |
| St. Onge | $3,861 | $322 |
| Stephan | $3,424 | $285 |
| Stickney | $3,707 | $309 |
| Strandburg | $3,182 | $265 |
| Stratford | $3,184 | $265 |
| Sturgis | $3,856 | $321 |
| Summerset | $3,834 | $319 |
| Tabor | $4,104 | $342 |
| Tea | $3,611 | $301 |
| Timber Lake | $3,589 | $299 |
| Tolstoy | $3,253 | $271 |
| Toronto | $3,231 | $269 |
| Trail City | $3,530 | $294 |
| Trent | $3,647 | $304 |
| Tripp | $3,933 | $328 |
| Turton | $3,222 | $268 |
| Tuthill | $4,042 | $337 |
| Twin Brooks | $3,158 | $263 |
| Tyndall | $4,137 | $345 |
| Union Center | $3,802 | $317 |
| Utica | $3,888 | $324 |
| Vale | $3,762 | $313 |
| Valley Springs | $3,731 | $311 |
| Veblen | $3,163 | $264 |
| Vermillion | $3,810 | $317 |
| Viborg | $3,789 | $316 |
| Vienna | $3,282 | $273 |
| Virgil | $3,314 | $276 |
| Vivian | $3,534 | $294 |
| Volga | $3,377 | $281 |
| Volin | $3,758 | $313 |
| Wagner | $3,867 | $322 |
| Wakonda | $3,967 | $331 |
| Wakpala | $3,469 | $289 |
| Walker | $3,728 | $311 |
| Wall | $3,972 | $331 |
| Wallace | $3,164 | $264 |
| Wanblee | $3,911 | $326 |
| Wasta | $4,002 | $334 |
| Watauga | $3,677 | $306 |
| Watertown | $3,210 | $268 |
| Webster | $3,189 | $266 |
| Wessington | $3,316 | $276 |
| Wessington Springs | $3,429 | $286 |
| Westport | $3,166 | $264 |
| Wetonka | $3,166 | $264 |
| White | $3,384 | $282 |
| White Owl | $3,785 | $315 |
| White River | $3,968 | $331 |
| Whitehorse | $3,570 | $298 |
| Whitewood | $3,758 | $313 |
| Willow Lake | $3,255 | $271 |
| Wilmot | $3,160 | $263 |
| Winfred | $3,495 | $291 |
| Winner | $3,740 | $312 |
| Witten | $3,668 | $306 |
| Wolsey | $3,294 | $275 |
| Wood | $3,852 | $321 |
| Woonsocket | $3,358 | $280 |
| Worthing | $3,713 | $309 |
| Wounded Knee | $4,375 | $365 |
| Yale | $3,213 | $268 |
| Yankton | $3,950 | $329 |
| Zeona | $3,789 | $316 |
Frequently asked questions
North Star Mutual has South Dakota’s cheapest homeowners insurance at around $211 per month. Allstate and Farm Bureau are the next-cheapest companies for most South Dakota homeowners with average rates that are just over $280 per month.
One of the best ways to get cheaper home insurance is to shop around and compare quotes from several different companies before you buy or renew a policy.
Another way to lower your home insurance costs is to raise your deductible. This will cause your premium to go down. Just make sure you can afford to pay your deductible amount if you ever need to file a claim.