Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in South Dakota Average renters insurance cost in South Dakota 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. | Updated on September 21, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Renters insurance costs in South Dakota varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in South Dakota is $197 per year or $16 per month for coverage limits of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ. Renters insurance companies in South Dakota State Farm offers affordable renters insurance in South Dakota at an average annual rate of $133 followed by Nationwide and Iowa Farm bureau, based on Insure.com’s analysis. But it’s smart to get multiple quotes for various renters insurance companies in South Dakota because the prices vary a lot 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$133$11Nationwide$172$14Iowa Farm bureau$176$15Auto-Owners$182$15Farmers$183$15North Star Mutual$198$17Allstate$199$17Farmers Mutual Ins Co of NE$232$19American Family$254$21 Average cost of renters insurance in South Dakota by coverage level As we discussed above, in South Dakota, the average cost of renters insurance is $197 per year, that’s $70 more than the national average. These rates are for the coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $141 per year for renters insurance in South Dakota for $300,000 in liability protection and $1000 deductible. Find below the average cost of renters insurance in South Dakota for personal property coverage of $20,000 and $40,000. Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate20000$141$1240000$197$1660000$253$21 Most affordable ZIP codes for renters insurance in South Dakota How much South Dakota renters pay for insurance majorly depends on the ZIP code they live in. 57325 is the most affordable ZIP for renters insurance in South Dakota among all the ZIP codes analyzed, at about $194 a year on average. Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in South Dakota. ZipcodeAverage annual rateAverage monthly rate57325$194$1657701$206$1757706$208$1757719$208$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. 57719 is the least affordable zip code for South Dakota renters at an average cost of $208 a year or $17 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. ZipcodeAverage annual rateAverage monthly rate57719$208$1757702$208$1757703$207$1757773$202$17 Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in South Dakota by cityAberdeenBrookingsSioux FallsWatertownRenters and auto bundle discounts in South Dakota If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company. Bundling policies can help you save an average of 17% per year in South Dakota. North Star Mutual offers the cheapest rate on renters and auto insurance bundle, you can save 9% a year on your premiums. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsNorth Star Mutual$2,049$2,248$1989%Farmers Mutual Ins Co of NE$2,067$2,568$50020%Iowa Farm bureau$2,323$2,965$64122%State Farm$2,327$3,524$1,19734%Allstate$2,539$2,965$42614%American Family$3,190$4,029$83919%USAA$3,240$3,591$35110%Farmers$3,619$4,317$69815%Nationwide$3,622$4,275$65315%Auto-Owners$3,996$4,404$4089% Final thoughts: Average renters insurance in South Dakota Renters 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. Consider factors like coverage options, deductibles, and customer reviews in addition to price. Methodology Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in South Dakota. These rates include a coverage limit of $300,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none. Explore other insurance options in South-Dakota Cheapest homeowners insurance in South Dakota Average car insurance cost in South Dakota Non-owner auto insurance in South Dakota How much is renters insurance in other statesAlaska$192/YearAlabama$250/YearArkansas$255/YearArizona$177/YearCalifornia$224/YearColorado$143/YearConnecticut$200/YearDelaware$174/YearFlorida$245/YearGeorgia$234/YearHawaii$165/YearIowa$142/YearIdaho$142/YearIllinois$174/YearIndiana$187/YearKansas$176/YearKentucky$149/YearLouisiana$355/YearMassachusetts$168/YearMaryland$183/YearMaine$136/YearMichigan$253/YearMinnesota$161/YearMissouri$168/YearMississippi$288/YearMontana$192/YearNorth Carolina$183/YearNorth Dakota$126/YearNebraska$187/YearNew Hampshire$131/YearNew Jersey$148/YearNew Mexico$158/YearNevada$193/YearNew York$225/YearOhio$181/YearOklahoma$198/YearOregon$204/YearPennsylvania$186/YearRhode Island$389/YearSouth Carolina$220/YearTennessee$212/YearTexas$158/YearUtah$153/YearVirginia$177/YearVermont$142/YearWashington$182/YearWisconsin$119/YearWest Virginia$184/YearWyoming$111/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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