Best home insurance companies in South Dakota: Auto-Owners
The best home insurance company in South Dakota for 2024 is Auto-Owners. State Farm, Nationwide, American Family, Allstate, and Farmers are among the top home insurance companies in South Dakota based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Auto-Owners | A++ | 0.37 | 5 | $2,264 |
| State Farm | A++ | 0.83 | 4.28 | $3,029 |
| Nationwide | A+ | 1.05 | 3.46 | $3,105 |
| American Family | A | 0.80 | 3.41 | $3,465 |
| Allstate | A+ | 1.46 | 3.25 | $2,698 |
| Farmers | A | 0.67 | 2.63 | $4,791 |
Cheapest home insurance companies in South Dakota: Auto-Owners
Below are South Dakota home insurance rates by a company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Auto-Owners has the most affordable rates for most coverage levels.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Auto-Owners | $1,938 | $2,264 | $2,753 | $3,981 | $6,980 |
| North Star Mutual | $1,783 | $2,431 | $3,278 | $4,973 | $8,320 |
| Allstate | $1,908 | $2,698 | $3,475 | $4,849 | $7,216 |
| Iowa Farm Bureau | $2,093 | $2,892 | $3,731 | $5,308 | $7,714 |
| Farmers Mutual of Nebraska | $2,160 | $3,005 | $3,983 | $5,932 | $7,842 |
| State Farm | $2,373 | $3,029 | $3,691 | $5,101 | $7,641 |
| Nationwide | $2,267 | $3,105 | $3,898 | $5,413 | $8,185 |
| American Family | $2,569 | $3,465 | $4,292 | $5,815 | $8,559 |
| USAA* | $2,901 | $3,662 | $4,191 | $5,102 | $6,666 |
| Farmers | $3,778 | $4,791 | $6,140 | $9,641 | $15,671 |
*USAA only provides coverage to military members, veterans and their families.
Average home insurance cost in South Dakota
The average cost of homeowners insurance in South Dakota is $3,390 a year or $283 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different South Dakota homeowners insurance companies to get the best deal.
South Dakota home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in South Dakota to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The South Dakota Division of Insurance says...
Basic homeowner's insurance is designed to fit the coverage needs of the average insured so most policies have established limits for value on certain types of personal property. These established limits may be less than the value of the stolen property, especially in the case of furs, jewelry, firearms, or other items of high value. It is the consumer's responsibility to review the limitation placed on certain types of property and increase the coverage, if desired, by adding a "Scheduled Personal Property Endorsement" to the basic policy.
- The South Dakota Division of InsuranceThe most expensive ZIP codes in South Dakota for home insurance
South Dakota homeowners insurance rates are the most expensive for ZIP code 57702 with an average annual cost of $4,062.
The most expensive ZIP codes in South Dakota are:
| ZIP code | Average annual rate |
|---|---|
| 57702 | $4,062 |
| 57719 | $3,974 |
| 57701 | $3,946 |
| 57703 | $3,940 |
| 57718 | $3,894 |
| 57706 | $3,832 |
The least expensive ZIP codes in South Dakota for home insurance
The cheapest ZIP codes for home insurance in South Dakota are:
| ZIP code | Average annual rate |
|---|---|
| 57005 | $3,073 |
| 57255 | $3,090 |
| 57260 | $3,093 |
| 57266 | $3,100 |
| 57257 | $3,105 |
| 57262 | $3,105 |
Compare South Dakota homeowners insurance rates with other states
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