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: July 1, 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. 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 monthIn 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 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 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 cityAberdeenBrookingsSioux FallsWatertownAverage cost of renters insurance in South Dakota by ZIP codeIn 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 DakotaThe 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 rate57007Brookings$199$1757426Barnard$199$1757071Volga$200$1757325Chamberlain$200$1757356Lake Andes$200$1757361Marty$200$1757022Dell Rapids$200$1757221Bryant$200$1757246Labolt$200$1757374Spencer$200$17Least affordable ZIP codes for renters insurance in South DakotaYour 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 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$17 Final thoughts: Average renters insurance in South DakotaRenters 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 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 Do I have to pay homeowners insurance through escrow? By Kat Tretina Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite 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 (844)-761-9316