Average Renters Insurance Cost in South Dakota

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Renters insurance costs in South Dakota vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in South Dakota is $208 per year or $17 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in South Dakota is $208 per year or $17 per month.
State Farm provides the least expensive renters insurance in South Dakota at an average rate of $154 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 month

In 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 month	Difference compared to national average
$17	$7 less

Average renters insurance cost in South Dakota by company

State Farm offers the most affordable renters insurance in South Dakota at an average annual rate of $154, followed by Nationwide and Auto-Owners, based on our data.

However, you should get multiple quotes from various renters insurance companies in South Dakota because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across South Dakota.

Company	Average annual rate	Average monthly rate
State Farm	$154	$13
Nationwide	$156	$13
Auto-Owners	$176	$15
North Star Mutual	$202	$17
Farmers	$213	$18
Iowa Farm Bureau	$218	$18
American Family	$230	$19
Allstate	$247	$21
Farmers Mutual of Nebraska	$252	$21

Renters insurance calculator in South Dakota

$195/year

Estimated renters insurance rates in South Dakota

$16

Monthly renters insurance cost in South Dakota

-28%

Compared to national average

Average cost of renters insurance in South Dakota by coverage level

The average annual cost of renters insurance in South Dakota is $208, 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 $151 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 level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$153	$13
$20,000 with $500 Deductible and $300,000 Liability	$166	$14
$20,000 with $1,000 Deductible and $100,000 Liability	$139	$12
$20,000 with $1,000 Deductible and $300,000 Liability	$151	$13
$40,000 with $500 Deductible and $100,000 Liability	$218	$18
$40,000 with $500 Deductible and $300,000 Liability	$230	$19
$40,000 with $1,000 Deductible and $100,000 Liability	$195	$16
$40,000 with $1,000 Deductible and $300,000 Liability	$208	$17
$60,000 with $500 Deductible and $100,000 Liability	$281	$23
$60,000 with $500 Deductible and $300,000 Liability	$294	$25
$60,000 with $1,000 Deductible and $100,000 Liability	$252	$21
$60,000 with $1,000 Deductible and $300,000 Liability	$265	$22

Average cost of renters insurance in South Dakota by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in South Dakota and find the best fit for your budget.

Renters insurance rates in South Dakota by city

See rates in your city

Aberdeen

Sioux Falls

Average cost of renters insurance in South Dakota by ZIP code

Renters 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 Dakota

In South Dakota, your ZIP code plays a major role in determining your premiums. Based on our data, 57401 is the most affordable ZIP code for renters insurance, with an average annual cost of $206.

Comparing quotes from multiple insurers in South Dakota is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
57401	Aberdeen	$206	$17
57213	Astoria	$206	$17
57003	Baltic	$206	$17
57426	Barnard	$206	$17
57005	Brandon	$206	$17
57319	Bridgewater	$206	$17
57006	Brookings	$206	$17
57221	Bryant	$206	$17
57018	Buffalo	$206	$17
57433	Columbia	$206	$17

Least affordable ZIP codes for renters insurance in South Dakota

Your ZIP code, among other factors, affects how much you pay for renters insurance in South Dakota. 57702 is the least affordable ZIP code for South Dakota renters at an average cost of $221 a year or $18 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in South Dakota. Below are the average annual renters insurance costs by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
57702	Rapid City	$221	$18
57719	Box Elder	$220	$18
57703	Rapid Valley	$220	$18
57706	Ellsworth AFB	$219	$18
57718	Summerset	$219	$18
57722	Buffalo Gap	$212	$18
57439	Ferney	$212	$18
57773	Pringle	$212	$18
57421	Amherst	$211	$18
57716	Batesland	$211	$18

Final thoughts: Average renters insurance in South Dakota

Renters 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 Gite

Contributing 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.