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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 $202 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 $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 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 monthDifference compared to national average
$17$5 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 $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 rate
State Farm$120$10
Nationwide$156$13
Auto-Owners$167$14
Iowa Farm bureau$176$15
Allstate$199$17
North Star Mutual$202$17
Farmers$210$17
Farmers Mutual Ins Co of NE$233$19
American Family$274$23

Renters insurance calculator in South Dakota

$188/year
Estimated renters insurance rates in South Dakota
$16
Monthly renters insurance cost in South Dakota
-24%
Compared to national average

Average cost of renters insurance in South Dakota by coverage level

On 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$21

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 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 city

Average cost of renters insurance in South Dakota by ZIP code

In South Dakota, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in South Dakota

The amount South Dakota renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 57007 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $199.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in South Dakota.

ZIP codeCityAverage annual rateAverage monthly rate
57007Brookings$199$17
57426Barnard$199$17
57071Volga$200$17
57325Chamberlain$200$17
57356Lake Andes$200$17
57361Marty$200$17
57022Dell Rapids$200$17
57221Bryant$200$17
57246Labolt$200$17
57374Spencer$200$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 $215 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 codeCityAverage annual rateAverage monthly rate
57719Box Elder$215$18
57706Ellsworth AFB$214$18
57703Green Valley$214$18
57702Colonial Pine Hills$214$18
57718Blackhawk$213$18
57701Ashland Heights$212$18
57639Little Eagle$206$17
57621Bullhead$206$17
57385Woonsocket$205$17
57439Ferney$205$17

Final thoughts: Average renters insurance in South Dakota

Renters insurance is essential for residents of South Dakota. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

How much is renters insurance in other states

Alaska$257/Year
Alabama$324/Year
Arkansas$363/Year
Arizona$260/Year
California$271/Year
Colorado$191/Year
Connecticut$292/Year
Delaware$181/Year
Florida$248/Year
Georgia$352/Year
Hawaii$247/Year
Iowa$203/Year
Idaho$184/Year
Illinois$246/Year
Indiana$269/Year
Kansas$251/Year
Kentucky$207/Year
Louisiana$504/Year
Massachusetts$262/Year
Maryland$256/Year
Maine$198/Year
Michigan$340/Year
Minnesota$211/Year
Missouri$231/Year
Mississippi$387/Year
Montana$275/Year
North Dakota$192/Year
Nebraska$295/Year
New Hampshire$173/Year
New Jersey$207/Year
New Mexico$201/Year
Nevada$246/Year
New York$293/Year
Ohio$252/Year
Oklahoma$281/Year
Oregon$288/Year
Pennsylvania$274/Year
Rhode Island$476/Year
Tennessee$290/Year
Texas$226/Year
Utah$204/Year
Virginia$235/Year
Vermont$182/Year
Washington$222/Year
Wisconsin$167/Year
West Virginia$248/Year
Wyoming$136/Year
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Shivani Gite
Contributing Writer

 
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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.

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