Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in South Dakota Average homeowners insurance cost in South Dakota Homeowners insurance in South Dakota costs $3,374 per year or $281 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in South Dakota is $3,374 a year. Continue reading to learn more about homeowners insurance rates in South Dakota by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $3,374 a year, based on Insure.com analysis.Of all the ZIP codes in South Dakota, 57005 has the most affordable home insurance rates at around $3,058 annually.In South Dakota, Auto-Owners provides the most affordable home insurance at an average annual premium of $2,248. Average home insurance cost in South Dakota by coverage levelIn South Dakota, the annual homeowners insurance cost is $3,374, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $4,259 in South Dakota, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in South Dakota based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,593 $216 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,607 $217 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,374 $281 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,390 $283 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,259 $355 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,275 $356 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$6,229 $519 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$6,247 $521 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$9,570 $797 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$9,592 $799 In South Dakota, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in South DakotaIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in South Dakota using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in South Dakota. Based on the analysis, Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAuto-Owners$2,248A++0.335Farmers Mutual of Nebraska$3,001A0.134.78North Star Mutual$2,420A+0.724.29American Family$3,455A0.374.16Allstate$2,643A+0.93.82Nationwide$3,097A+0.873.63State Farm$3,023A++0.953.62Farmers$4,767A0.543.21Average homeowners insurance cost by company in South DakotaAuto-Owners provides the most affordable homeowners insurance in South Dakota, with an average annual premium of $2,248. North Star Mutual and Allstate also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in South Dakota with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateAuto-Owners$2,248$187North Star Mutual$2,420$202Allstate$2,643$220Iowa Farm Bureau$2,878$240Farmers Mutual of Nebraska$3,001$250State Farm$3,023$252Nationwide$3,097$258American Family$3,455$288Farmers$5,214$434USAA$3,662$305South Dakota homeowners insurance rates by ZIP codeInsurance companies in South Dakota assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in South Dakota. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in South DakotaHome insurance costs vary across different areas in South Dakota. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 57005 ZIP code has the lowest home insurance rates in South Dakota, at $3,058 annually or $255 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in South Dakota.ZIP codeAverage annual rateAverage monthly rate57005$3,058$25557255$3,074$25657260$3,078$25657266$3,085$25757257$3,090$25757256$3,092$25857441$3,097$25857269$3,098$25857265$3,101$25857279$3,103$259Most expensive ZIP codes for home insurance rates in South DakotaYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In South Dakota, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In South Dakota, 57751 has the highest homeowners insurance rates, at $4,361 per year.Here, we’ve highlighted some of the most expensive ZIP codes in South Dakota for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate57751$4,361$36357738$4,332$36157744$4,325$36057722$4,316$36057747$4,314$36057730$4,292$35857794$4,286$35757763$4,271$35657782$4,270$35657773$4,266$356Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in South Dakota by cityAberdeenSioux FallsHome insurance rate trend in South DakotaWe analyzed home insurance rate trends in South Dakota and found that homeowners insurance rates experienced an overall decrease of 4% or $140, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$3,039$3,514$3,374Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in South Dakota.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in South-Dakota Average renters insurance cost in South Dakota Average car insurance cost in South Dakota Non-owner auto insurance in South Dakota How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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