Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in South Dakota Best and cheapest companies for home and auto bundles in South Dakota State Farm has the biggest auto and home bundling discount in South Dakota, while Farmers Mutual of Nebraska has the cheapest rates on average. View Carriers Please enter valid zip Compare top carriers in your area Written by: Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Posted on May 22, 2024 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. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in South Dakota to determine which will give you the biggest price break when you purchase multiple types of coverage. State Farm offers the biggest percentage break on your home and auto premiums in South Dakota when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 28%. Meanwhile, Farmers Mutual of Nebraska offers the cheapest overall rate when you bundle with the company in South Dakota. On average, you will pay $3,482 when you bundle. Key Takeaways In South Dakota, State Farm is the best home and auto bundle insurance provider, offering an average discount of 28%. Some companies offer bigger savings for bundling than others, so it pays to shop around. Where you live within the state will help determine how much you can save by bundling. Bundling usually saves money, but there are situations where this might not be the case. How we picked the best companies for home and auto bundling Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis. Insure.com’s choice: Best companies for home and auto bundles in South Dakota Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in South Dakota. State Farm The average bundle discount at State Farm is $1,448, or 28%. Before the bundle discount, the average rate is $5,100. After the bundle discount, that goes down to $3,652. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and at No. 4 in the Best Home Insurance Companies ranking. American Family The average bundle discount at American Family is $1,074, or 20%. Before getting a bundle discount, the average customer pays $5,382 for coverage. After getting a bundle discount, the average customer pays $4,308. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and at No. 5 in the Best Home Insurance Companies ranking. Farmers Insurance The average bundle discount at Farmers Insurance is $1,160, or 19%. Without the discount, the average cost of home and auto insurance is $6,257, and that rate goes down to $5,097 with the discount. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and at No. 8 in the Best Home Insurance Companies ranking. Allstate The average bundle discount at Allstate is $795, or 15%. The average cost of home and auto insurance without the discount is $5,243. After the discount is added, the average rate is $4,448. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and at No. 5 in the Best Home Insurance Companies ranking. Nationwide The average bundle discount at Nationwide is $752, or 14%. Before adding the bundling discount, the average cost of coverage is $5,552. After adding the discount, the average cost of coverage is $4,800. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and at No. 7 in the Best Home Insurance Companies ranking. Home and auto insurance bundle comparison in South Dakota The amount you can save on home and auto insurance with a bundle in South Dakota varies by company. Here is a breakdown of the rates and savings with top companies. CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,652 4787.4A++28%81.4American Family$4,308 5085A20%68.65Farmers Insurance$5,097 4382A19%63.1Allstate$4,448 3985A+15%62.87Nationwide$4,800 4286.6A14%60.11Auto-Owners$6,309 4981.2A++10%53.09 What company provides the cheapest home and auto bundles in South Dakota? State Farm offers the biggest percentage discount if you bundle. Farmers Mutual of Nebraska offers the cheapest rate overall if you bundle. CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleFarmers Mutual Ins Co of NE$2,568$1,571$4,139$3,482State Farm$3,524$1,576$5,100$3,652American Family$4,029$1,353$5,382$4,308Iowa Farm bureau$2,965$2,263$5,228$4,406Allstate$2,965$2,278$5,243$4,448North Star Mutual$2,248$2,934$5,182$4,465Nationwide$4,275$1,277$5,552$4,800Farmers Insurance$4,317$1,940$6,257$5,097Auto-Owners$4,404$2,628$7,032$6,309 Home 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 cityAberdeenBrookingsSioux FallsWatertownMost and least expensive ZIP codes for home and auto insurance bundles in South Dakota Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in South Dakota for policyholders who bundle their coverage: Most expensive ZIP codes The most expensive ZIP code in South Dakota for home and auto insurance bundling is 57735 at an average rate of $5,412. See the 10 most expensive ZIP codes below. ZIP codeAverage auto and home after discountAverage difference57735$5,41217%57702$5,39917%57555$5,38017%57714$5,36317%57703$5,27517%57701$5,27317%57623$5,05117%57625$5,03116%57317$4,76717%57580$4,75117% Least expensive ZIP codes The least expensive ZIP code in South Dakota for home and auto insurance bundling is 57201 at an average rate of $3,984. See the 10 least expensive ZIP codes below. ZIP codeAverage auto and home after discountAverage difference57201$3,98417%57006$4,11717%57007$4,13817%57274$4,16417%57437$4,19717%57324$4,23517%57353$4,23717%57110$4,24717%57501$4,25217%57104$4,26317% Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in South Dakota? Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website. However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another. In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other. Rather than simply assuming that a bundle is your best deal, it always pays to shop around. “Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.” How can you switch to a home and auto bundle in South Dakota? Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends. However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company. If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated. Methodology Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate. How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing Researcher  . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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