Home Renters insurance Renters insurance cost Average renters insurance cost in South Dakota Average renters insurance cost in South Dakota Discover the average cost of renters insurance in South Dakota and how factors like location and coverage levels can impact your rate. 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: December 3, 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. In South Dakota, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $202 annually or $17 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Key Takeaways The average cost of renters insurance in South Dakota is $202 per year or $17 per month.State Farm provides the least expensive renters insurance in South Dakota at an average rate of $120 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in South Dakota. Average renters insurance cost in South Dakota per monthIn South Dakota, the average monthly cost of renters insurance is $17. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$17$5 lessPowered by:Average renters insurance cost in South Dakota by companyRenters in South Dakota can find the most budget-friendly insurance with State Farm, which has an average annual cost of $120, according to our data. Other affordable options include Nationwide and Auto-Owners.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in South Dakota.CompanyAverage annual rateAverage monthly rateState Farm$120$10Nationwide$156$13Auto-Owners$167$14Iowa Farm bureau$176$15Allstate$199$17North Star Mutual$202$17Farmers$210$17Farmers Mutual Ins Co of NE$233$19American Family$274$23Powered by: Renters insurance calculator in South Dakota Select your state South Dakota Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $188/year Estimated renters insurance rates in South Dakota $16 Monthly renters insurance cost in South Dakota -24% Compared to national average Get quotes Average cost of renters insurance in South Dakota by coverage levelThe average annual cost of renters insurance in South Dakota is $202, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $146 a year for renters insurance in South Dakota. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in South Dakota for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$147$12$20,000 with $500 Deductible and $300,000 Liability$160$13$20,000 with $1,000 Deductible and $100,000 Liability$133$11$20,000 with $1,000 Deductible and $300,000 Liability$146$12$40,000 with $500 Deductible and $100,000 Liability$211$18$40,000 with $500 Deductible and $300,000 Liability$224$19$40,000 with $1,000 Deductible and $100,000 Liability$188$16$40,000 with $1,000 Deductible and $300,000 Liability$202$17$60,000 with $500 Deductible and $100,000 Liability$274$23$60,000 with $500 Deductible and $300,000 Liability$287$24$60,000 with $1,000 Deductible and $100,000 Liability$243$20$60,000 with $1,000 Deductible and $300,000 Liability$257$21Powered by:Average cost of renters insurance in South Dakota by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of South Dakota.Renters insurance rates in South Dakota by citySee rates in your cityAberdeenSioux FallsAverage cost of renters insurance in South Dakota by ZIP codeRenters insurance costs in South Dakota vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in South DakotaIn South Dakota, your ZIP code plays a major role in determining your premiums. Based on our data, 57007 is the most affordable ZIP code for renters insurance, with an average annual cost of $199.Comparing quotes from multiple insurers in South Dakota is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate57007Brookings$199$1757426Barnard$199$1757071Volga$200$1757325Chamberlain$200$1757356Lake Andes$200$1757361Marty$200$1757022Dell Rapids$200$1757221Bryant$200$1757246Labolt$200$1757374Spencer$200$17Powered by:Least affordable ZIP codes for renters insurance in South DakotaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in South Dakota is 57719, with an average cost of $215 a year or $18 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in South Dakota. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate57719Box Elder$215$1857706Ellsworth AFB$214$1857703Green Valley$214$1857702Colonial Pine Hills$214$1857718Blackhawk$213$1857701Ashland Heights$212$1857639Little Eagle$206$1757621Bullhead$206$1757385Woonsocket$205$1757439Ferney$205$17Powered by:Final thoughts: Average renters insurance in South DakotaRenters insurance is a must for South Dakota renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in South DakotaBest and cheapest homeowners insurance companies in South DakotaCost of Living in South Dakota in 2025How much does condo insurance cost in South Dakota in 2025? 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