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: January 16, 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 monthThe average cost of renters insurance in South Dakota is $17 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$17$5 lessAverage renters insurance cost in South Dakota by companyState Farm offers the most affordable renters insurance in South Dakota at an average annual rate of $120, 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.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$23 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 levelOn average, South Dakota renters pay $202 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in South Dakota to $146 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are 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$21Average 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 vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in South Dakota by cityAberdeenBrookingsSioux FallsWatertownAverage cost of renters insurance in South Dakota by ZIP codeThe cost of renters insurance in South Dakota varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in South Dakota.Most affordable ZIP codes for renters insurance in South DakotaHow much South Dakota renters pay for insurance depends on the ZIP code they live in. 57007 is the most affordable ZIP code for renters insurance in South Dakota among all the ZIP codes analyzed, at $199 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in South Dakota.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$17 Least affordable ZIP codes for renters insurance in South Dakota57719 is the most expensive ZIP code for renters insurance in South Dakota, at an average cost of $215 annually or $18 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in South Dakota. The table below shows the average annual renters insurance rates 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$17Final thoughts: Average renters insurance in South DakotaRenters insurance is a must-have for renters in South Dakota. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.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 Explore other insurance options in South-Dakota Average homeowners insurance cost in South Dakota Average car insurance cost in South Dakota Non-owner auto insurance in South Dakota Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir Mobile home insurance cost and coverage in 2025 By Chris Kissell Best renters insurance companies in 2025 By Shivani Gite How to prevent tornado damage By Ashlee Tilford Does homeowners insurance cover code upgrades? By Nupur Gambhir Homeowners insurance rates by state in 2025 By Jake Safane On this page Average renters insurance cost in South Dakota per monthAverage renters insurance cost in South Dakota by companyAverage cost of renters insurance in South Dakota by coverage levelAverage cost of renters insurance in South Dakota by cityAverage cost of renters insurance in South Dakota by ZIP codeFinal thoughts: Average renters insurance in South Dakota ZIP Code Please enter valid ZIP See rates