Best and cheapest companies for home and auto bundles in South Dakota

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Bundling your home and auto insurance in South Dakota can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, State Farm delivers the highest percentage savings, while Farmers Mutual of Nebraska offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within South Dakota.

What you need to know about bundling in South Dakota

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
State Farm has the highest bundle discount in South Dakota, averaging 24%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within South Dakota can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

Which companies offer the best home and auto bundles in South Dakota? Here’s our pick

Farmers Mutual of Nebraska, North Star Mutual and State Farm stand out as top home and auto bundle companies in South Dakota, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.

We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in South Dakota:

Farmers Mutual of Nebraska

The average bundle discount at Farmers Mutual of Nebraska is $711, or 16%. Farmers Mutual of Nebraska offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $4,400.

North Star Mutual

The average bundle discount at North Star Mutual is $928, or 13%. For North Star Mutual customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $6,948.

State Farm

The average bundle discount at State Farm is $1,296, or 24%. Bundling with State Farm means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $5,374.

Allstate

The average bundle discount at Allstate is $852, or 15%. Without the bundle discount, the average rate for home and auto is $5,506.

Auto-Owners

The average bundle discount at Auto-Owners is $845, or 10%. Before the discount, customers see average rates of $8,271.

People also ask:

Who has the cheapest home and auto bundle in South Dakota?

Farmers Mutual of Nebraska typically provides the most affordable home and auto bundle in South Dakota, with average premiums around $3,689.

How much can you save by bundling home and auto insurance in South Dakota?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in South Dakota?

Home and auto bundle rates in South Dakota vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in South Dakota:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Farmers Mutual of Nebraska	A	A	$1,470	$2,930	0.00	0.29	$3,689	4.76
North Star Mutual	A+	A+	$4,127	$2,821	0.08	0.18	$6,020	4.11
State Farm	A+	A+	$2,434	$2,940	0.87	1.15	$4,078	4.10
Allstate	A+	A+	$2,862	$2,644	1.20	1.26	$4,654	3.75
Auto-Owners	A+	A+	$4,137	$4,134	0.44	0.39	$7,426	3.45
Farmers	A	A	$3,292	$3,811	1.24	0.89	$5,707	3.44
Nationwide	A	A	$2,692	$4,644	0.64	1.34	$6,132	3.34
Iowa Farm Bureau	A	A	$3,718	$6,276	0.13	0.48	$7,986	3.24

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in South Dakota?

Farmers Mutual of Nebraska offers the cheapest home and auto bundle in South Dakota, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in South Dakota:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Farmers Mutual of Nebraska	$2,930	$1,470	$4,400	$3,689
State Farm	$2,940	$2,434	$5,374	$4,078
Allstate	$2,644	$2,862	$5,506	$4,654
Farmers	$3,811	$3,292	$7,103	$5,707
North Star Mutual	$2,821	$4,127	$6,948	$6,020
Nationwide	$4,644	$2,692	$7,336	$6,132
Auto-Owners	$4,134	$4,137	$8,271	$7,426
Iowa Farm Bureau	$6,276	$3,718	$9,994	$7,986

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in South Dakota?

The most expensive ZIP code for home and auto bundles in South Dakota is 57735, with average rates of $7,175, while the cheapest is 57201, where premiums drop to $5,035. Rates can vary widely due to differences in risk, property values and local claims data.

Where you live plays a major role in your insurance costs, affecting both base premiums and available discounts.

Top ten 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 $7,175.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
57735	$7,175	$1,359	16%
57702	$6,974	$1,312	16%
57714	$6,948	$1,280	16%
57555	$6,875	$1,270	16%
57701	$6,779	$1,283	16%
57703	$6,738	$1,266	16%
57623	$6,541	$1,177	15%
57317	$6,421	$1,207	16%
57625	$6,417	$1,155	15%
57580	$6,383	$1,197	16%

Top ten cheapest ZIP codes

The least expensive ZIP code in South Dakota for home and auto insurance bundling is 57201 at an average rate of $5,035.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
57201	$5,035	$934	16%
57437	$5,160	$944	15%
57006	$5,264	$989	16%
57007	$5,289	$993	16%
57353	$5,291	$978	16%
57274	$5,348	$986	16%
57110	$5,431	$1,035	16%
57501	$5,468	$1,017	16%
57105	$5,472	$1,042	16%
57442	$5,473	$1,003	15%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

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 city

See rates in your city

Aberdeen

Sioux Falls

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 8 companies and 35 ZIP codes.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in South Dakota?

Bundling home and auto insurance in South Dakota can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in South Dakota? Here's our pick
How do home and auto bundle rates compare in South Dakota?
What is the cheapest home and auto bundles in South Dakota?
Which ZIP codes are most and least expensive in South Dakota?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in South Dakota