Home Home insurance Renters insurance Renters insurance cost Cheap renters insurance in South Dakota Cheap renters insurance in South Dakota By Insure.com's Editor | Posted on February 6, 2022 Why you can trust Insure.comQuality VerifiedAt 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 our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Renters insurance is a must-have for renters in South Dakota. It will cover your belongings in the event that they suffer damage from windstorm, fire, thefts or vandalism or any other natural disasters. The average cost of renters insurance in South Dakota is $160 a year. Insurance experts at Insure.com have analyzed price quotes from all the major renters insurance companies in South Dakota to help you find affordable renters insurance policy. Read this guide to find out which carrier offers cheap rates, better coverage options and excellent customer service. Below is the list of cheapest renters insurance companies in South Dakota: American FamilyState FarmAllstateFarmersFire Ins Exch Cheapest renters insurance companies in South Dakota Based on Insure.com’s analysis, South Dakota’s most affordable insurance company is American Family. Its average annual rate is $129 or $11 per month. State Farm is the second cheapest renters insurance provider among the carriers surveyed. It offers insurance at about $153 year on average. CompanyAverage annual rateAverage monthly rateAmerican Family$129$11State Farm$153$13Allstate$173$14Farmers$197$16Fire Ins Exch$216$18Safeco$218$18Farm Bureau$232$19Travelers$247$21Liberty$316$26 Average cost of renters insurance in South Dakota by coverage level The average cost of renters insurance in South Dakota is $160 per year or $13 per month. The cost of insurance varies depending on the insurance company and the coverage limits you choose. Below are the average annual renters insurance rates for different personal property coverage. These rates are for the deductible amount of $1000 and $300,000 as liability protection. Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate$20,000$160$13$40,000$231$19$60,000$305$25 Most affordable ZIP codes for renters insurance in South Dakota Renters insurance rates vary depending on the zip code. The most affordable zip code for renters insurance in South Dakota is 57002 at about $208 a year on average. Based on Insure.com’s study, we have put together a list of the most affordable zip codes for renters insurance for South Dakota renters. ZIP codeAverage annual rateAverage monthly rate57002$208$1757006$209$1757003$210$1857012$211$1857031$212$1857005$213$1857015$214$1857013$215$1857004$216$1857021$217$18 Least affordable ZIP codes for renters insurance in South Dakota The cost of renters insurance varies considerably across the United States, depending on your location. The weather patterns and crime rates in your area impact how much you pay for insurance. The least affordable zip code for renters insurance in South Dakota is 57719, at an average of $233 a year. Find below the least affordable zip codes and their average annual rates for South Dakota renters. ZIP codeAverage annual rateAverage monthly rate57719$233$1957702$232$1957706$231$1957703$230$1957639$228$1957787$227$1957439$225$1957620$224$1957638$223$1957563$222$18 Renters and auto bundle discounts in South Dakota One of the easiest ways to save money on car insurance is by purchasing both your auto and renters policies from the same company. A renters and auto bundle can save you an average of $128 a year or 6% annually, based on a rate analysis by Insure.com. Renters insurance costs vary depending on your personal situation. Make sure you compare policy quotes before choosing one. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsFarmers Mut Of NE$1,174$1,302$12710%American Family $1,383$1,464$816%State Farm$1,383$1,454$715%Nationwide Mut $1,414$1,479$654%Progressive$1,869$1,965$965%Mid Century $1,937$2,082$1457%North Star Mut $2,211$2,689$47818%Geico$2,236$2,305$693%Allstate$2,723$2,757$341%Farm Bureau$2,879$2,958$793%Owners $3,031$3,191$1595% Know how much is renters insurance in other statesAlaska$165/YearAlabama$377/YearArkansas$313/YearArizona$255/YearCalifornia$225/YearColorado$221/YearConnecticut$246/YearDelaware$262/YearFlorida$208/YearGeorgia$454/YearHawaii$166/YearIowa$245/YearIdaho$232/YearIllinois$245/YearIndiana$238/YearKansas$274/YearKentucky$295/YearLouisiana$417/YearMassachusetts$269/YearMaryland$194/YearMaine$206/YearMichigan$352/YearMinnesota$362/YearMissouri$279/YearMississippi$393/YearMontana$201/YearNorth Carolina$166/YearNorth Dakota$338/YearNebraska$226/YearNew Hampshire$171/YearNew Jersey$249/YearNew Mexico$261/YearNevada$259/YearNew York$230/YearOhio$282/YearOklahoma$380/YearOregon$189/YearPennsylvania$200/YearRhode Island$263/YearSouth Carolina$267/YearTennessee$239/YearTexas$251/YearUtah$267/YearVirginia$220/YearVermont$128/YearWashington$174/YearWisconsin$191/YearWest Virginia$240/YearWyoming$150/YearShow more Related Articles Cost of living comparison by state By Casey Bond Mobile home insurance: What does it cover and how much does it cost By Chris Kissell What is dwelling coverage & how much do you need? 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