Home Home insurance Average home insurance cost South Dakota Aberdeen, SD Average homeowners insurance cost in Aberdeen, SD In Aberdeen, homeowners insurance costs an average of $3,118 a year, based on Insure.com’s rate 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 10, 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. The average cost of homeowners insurance in Aberdeen is $3,118 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $536 more than the national average of $2,582. However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Aberdeen depend on a number of factors, including: Size of your home Age of your home Amount of coverage you need Location Your credit score To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Aberdeen, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Aberdeen. In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Aberdeen. Key Takeaways The cost of your homeowners insurance policy in Aberdeen can vary based on factors such as your location, the value of your home, and the coverage options you select. Allstate is the cheapest homeowners insurance company in Aberdeen with an average annual premium of $1,976. If you increase your dwelling coverage from $200,000 to $300,000, you will pay $806 more, annually for home insurance. Average homeowners insurance cost in Aberdeen per month Residents of Aberdeen pay an average of $260 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $21 less than the state average of $281 and $45 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Aberdeen may change based on location, property value, and selected coverage options. Average homeowners insurance cost for a $200,000 house in Aberdeen In Aberdeen, SD, homeowners pay an average of $2,312 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality. Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance. Average homeowners insurance cost for a $300,000 house in Aberdeen As per rate analysis by Insure.com, homeowners residing in Aberdeen typically pay an average of $3,118 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible. Your home insurance rates will be increased by $806 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. Average homeowners insurance cost in Aberdeen by company After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Aberdeen. It’s average annual rate for homeowners in Aberdeen is $1,976, while Auto-Owners holds the second position. Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Aberdeen and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Aberdeen and their average annual premiums. Home Insurance Company Annual rate Allstate$1,976Auto-Owners$1,988North Star Mutual$2,162Iowa Farm bureau$2,424Nationwide$2,575Farmers Mutual Ins Co of NE$2,646American Family$2,950Farmers$5,006State Farm$2,732USAA*$3,113 How home insurance protects you against natural disasters Home insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable. In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times. A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks. Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Aberdeen for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesBrookingsSioux FallsWatertownShivani GiteContributing Writer | . .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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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By Les Masterson Guide to the insurance claims history report (CLUE) By Shivani Gite How to find a homeowners insurance policy By Shivani Gite On this page Average homeowners insurance cost in Aberdeen per monthAverage homeowners insurance cost for a $200,000 house in AberdeenAverage homeowners insurance cost for a $300,000 house in AberdeenAverage homeowners insurance cost in Aberdeen by companyHow home insurance protects you against natural disasters Methodology ZIP Code Please enter valid ZIP See rates