The MFP’s Community Home Insurance Survey use South Dakota homeowners opinions and recommendations on home insurers, agents, and the brokers they use. You can also see premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance is not always easy and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from South Dakota Own Homeowners >>
- South Dakota Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in South Dakota
- Best Home Insurance Discounts in South Dakota
- How to Find the Best Cheap Home Insurance in South Dakota
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in South Dakota?
- Extra Coverage Options in South Dakota
- FAQ: Home Insurance in South Dakota
South Dakota Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in South Dakota are Amica, State Farm, and USAA.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| Amica | 5 | 5 | 4 | 4 | 92% |
| State Farm | 4 | 4 | 5 | 5 | 91% |
| USAA | 5 | 5 | 4 | 4 | 90% |
| Allstate | 4 | 4 | 4 | 4 | 85% |
| Nationwide | 4 | 3 | 4 | 4 | 84% |
| Travelers | 4 | 3 | 4 | 4 | 82% |
| Auto-Owners | 4 | 4 | 3 | 3 | 80% |
| American Family | 4 | 4 | 3 | 3 | 79% |
| Liberty Mutual | 3 | 3 | 4 | 4 | 75% |
| Farmers | 3 | 3 | 3 | 3 | 72% |
South Dakota average home insurance for a $1,000 deductible:
- South Dakota average premiums for a $300K Home is $915 (while it’s $1,568 nationally).
- South Dakota average premiums for a $400K Home is $1,136. It’s $2,088 nationally.
- South Dakota average premiums for a $600K Home is $1,694 (and it’s $2,906 nationally).
Best Insurance in South Dakota’s Cities
Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown, Mitchell, Yankton
Recommendations are gathered from 2,518 local South Dakota members who got a quote(s), filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for South Dakota Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
South Dakota Best Mortgage Lenders from Community Recommendations
South Dakota Best Refinance Lenders from Community Recommendations
More Resources for South Dakota Homeowners.
Sioux Falls Home Insurance Cost
Compare Sioux Falls 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Sioux Falls, the average annual insurance cost for a $300K home with a $500 deductible is $1,026. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Sioux Falls for a $300K home.
Sioux Falls’s $600K home insurance cost is 8.4% higher than the South Dakota average of $1,755. The Sioux Falls average annual cost for a $600K home with a $500 deductible is $1,903.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $562 | $521 | $489 | $469 | $391 |
| $200K Home | $749 | $693 | $652 | $624 | $520 |
| $300K Home | $1,026 | $950 | $893 | $855 | $713 |
| $400K Home | $1,274 | $1,179 | $1,109 | $1,061 | $885 |
| $600K Home | $1,903 | $1,762 | $1,656 | $1,586 | $1,322 |
Sioux Falls Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Sioux Falls’ area are State Farm, Allstate, and Auto-Owners.
- State Farm (92%): Homeowners praise the responsive claims process and local agent support
- Allstate (88%): Members highlight competitive pricing and customizable coverage options
- Auto-Owners (85%): Users appreciate the specialized coverage options and low complaint rates
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 92% |
| Allstate | Agents | 4 | 4 | 4.5 | 4 | 88% |
| Auto-Owners | Insurer | 4.5 | 4 | 3.5 | 4 | 85% |
| Travelers | Agents | 4 | 3.5 | 4 | 4.5 | 82% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4 | 90% |
| Farmers Mutual of Nebraska | Insurer | 3.5 | 3.5 | 3 | 4.5 | 78% |
| North Star | Broker | 3.5 | 4 | 3.5 | 4 | 80% |
| Atlas Insurance Brokers | Broker | 4 | 4 | 4 | 3.5 | 83% |
| Amica | Insurer | 4.5 | 4.5 | 4 | 3.5 | 87% |
| Chubb | Insurer | 5 | 4.5 | 3.5 | 3 | 81% |
See also:
Sioux Falls Best Refinance Lenders
Sioux Falls Best Home Loan Lenders
Rapid City Home Insurance Cost
Compare Rapid City 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Rapid City, the average annual insurance cost for a $300K home with a $500 deductible is $1,128. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Rapid City for a $300K home.
Rapid City’s $600K home insurance cost is 17.8% higher than the South Dakota average of $1,755. The Rapid City average annual cost for a $600K home with a $500 deductible is $2,068.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $624 | $578 | $543 | $520 | $433 |
| $200K Home | $876 | $811 | $763 | $731 | $609 |
| $300K Home | $1,128 | $1,045 | $983 | $941 | $784 |
| $400K Home | $1,410 | $1,307 | $1,229 | $1,177 | $980 |
| $600K Home | $2,068 | $1,916 | $1,802 | $1,725 | $1,437 |
Rapid City Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Rapid City’s area are USAA, State Farm, and Travelers.
- USAA (91%): Members value the military-focused coverage and exceptional claims handling
- State Farm (89%): Homeowners appreciate the local agent network and consistent service
- Travelers (84%): Users highlight the green home coverage options and competitive rates
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 4.5 | 4.5 | 4 | 4 | 91% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 89% |
| Travelers | Agents | 4 | 4 | 4 | 4 | 84% |
| Allstate | Agents | 4 | 4 | 4.5 | 4 | 83% |
| Auto-Owners | Insurer | 4.5 | 4 | 3.5 | 4 | 82% |
| Farmers Mutual of Nebraska | Insurer | 3.5 | 3.5 | 3 | 4.5 | 77% |
| North Star | Broker | 3.5 | 4 | 3.5 | 4 | 79% |
| Atlas Insurance Brokers | Broker | 4 | 4 | 4 | 3.5 | 81% |
| Amica | Insurer | 4.5 | 4.5 | 4 | 3.5 | 85% |
| Chubb | Insurer | 5 | 4.5 | 3.5 | 3 | 80% |
See also:
Rapid City Best Refinance Lenders
Rapid City Best Home Loan Lenders
Aberdeen Home Insurance Cost
Compare Aberdeen 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Aberdeen average annual cost for a $300K home with a $500 deductible is $975. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Aberdeen for a $300K home.
Aberdeen’s $600K home insurance cost is 2.8% higher than the South Dakota average of $1,755. The Aberdeen average annual cost for a $600K home with a $500 deductible is $1,804.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $536 | $497 | $467 | $447 | $372 |
| $200K Home | $716 | $664 | $624 | $597 | $497 |
| $300K Home | $975 | $903 | $849 | $813 | $676 |
| $400K Home | $1,209 | $1,120 | $1,053 | $1,008 | $838 |
| $600K Home | $1,804 | $1,671 | $1,571 | $1,504 | $1,251 |
Aberdeen Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Aberdeen’s area are State Farm, Auto-Owners, and Allstate.
- State Farm (90%): Homeowners appreciate the local agent support and straightforward claims
- Auto-Owners (86%): Members highlight the specialized coverage options and low complaint rates
- Allstate (83%): Users value the potential discounts and customizable policies
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 90% |
| Auto-Owners | Insurer | 4.5 | 4 | 3.5 | 4 | 86% |
| Allstate | Agents | 4 | 4 | 4.5 | 4 | 83% |
| Atlas Insurance Brokers | Broker | 4 | 4 | 4 | 3.5 | 80% |
| Farmers Mutual of Nebraska | Insurer | 3.5 | 3.5 | 3 | 4.5 | 76% |
See also:
Aberdeen Best Refinance Lenders
Aberdeen Best Home Loan Lenders
Brookings Home Insurance Cost
Compare Brookings 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Brookings, the average annual insurance cost for a $300K home with a $500 deductible is $874. Choosing a $2,000 deductible instead of $500 can lower annual cost by 9.4% in Brookings for a $300K home.
Brookings’s $600K home insurance cost is 7.3% lower than the South Dakota average of $1,755. The Brookings average annual cost for a $600K home with a $500 deductible is $1,627.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $479 | $479 | $453 | $434 | $362 |
| $200K Home | $638 | $638 | $603 | $579 | $482 |
| $300K Home | $874 | $874 | $826 | $792 | $660 |
| $400K Home | $1,083 | $1,083 | $1,023 | $981 | $818 |
| $600K Home | $1,627 | $1,627 | $1,537 | $1,474 | $1,228 |
Brookings Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Brookings’ area are State Farm, USAA, and Auto-Owners.
- State Farm (91%): Members praise the excellent customer service and local agent network
- USAA (89%): Homeowners value the military-focused benefits and affordable rates
- Auto-Owners (84%): Users appreciate the coverage options and financial stability
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 91% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4 | 89% |
| Auto-Owners | Insurer | 4.5 | 4 | 3.5 | 4 | 84% |
| Allstate | Agents | 4 | 4 | 4.5 | 4 | 82% |
| Atlas Insurance Brokers | Broker | 4 | 4 | 4 | 3.5 | 79% |
See also:
Brookings Best Refinance Lenders
Brookings Best Home Loan Lenders
Watertown Home Insurance Cost
Compare Watertown 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Watertown, the average annual insurance cost for a $300K home with a $500 deductible is $855. Choosing a $2,000 deductible instead of $500 can lower annual cost by 9.5% in Watertown for a $300K home.
Watertown’s $600K home insurance cost is 9.6% lower than the South Dakota average of $1,755. The Watertown average annual cost for a $600K home with a $500 deductible is $1,587.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $468 | $468 | $442 | $424 | $353 |
| $200K Home | $625 | $625 | $590 | $566 | $471 |
| $300K Home | $855 | $855 | $807 | $774 | $645 |
| $400K Home | $1,061 | $1,061 | $1,002 | $961 | $801 |
| $600K Home | $1,587 | $1,587 | $1,498 | $1,437 | $1,197 |
Watertown Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Watertown’s area are State Farm, Allstate, and Auto-Owners.
- State Farm (90%): Homeowners appreciate the reliable service and local agent support
- Allstate (85%): Members highlight the potential discounts and straightforward claims
- Auto-Owners (83%): Users value the coverage options and financial stability
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 90% |
| Allstate | Agents | 4 | 4 | 4.5 | 4 | 85% |
| Auto-Owners | Insurer | 4.5 | 4 | 3.5 | 4 | 83% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4 | 88% |
| Atlas Insurance Brokers | Broker | 4 | 4 | 4 | 3.5 | 80% |
See also:
Watertown Best Refinance Lenders
Watertown Best Home Loan Lenders
Mitchell Home Insurance Cost
Compare Mitchell 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Mitchell average annual cost for a $300K home with a $500 deductible is $883. Choosing a $2,000 deductible instead of $500 can lower annual cost by 9.4% in Mitchell for a $300K home.
Mitchell’s $600K home insurance cost is 6.2% lower than the South Dakota average of $1,755. The Mitchell average annual cost for a $600K home with a $500 deductible is $1,647.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $485 | $485 | $458 | $440 | $367 |
| $200K Home | $646 | $646 | $610 | $585 | $488 |
| $300K Home | $883 | $883 | $834 | $800 | $667 |
| $400K Home | $1,096 | $1,096 | $1,035 | $993 | $828 |
| $600K Home | $1,647 | $1,647 | $1,556 | $1,493 | $1,244 |
Mitchell Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Mitchell’s area are State Farm, Auto-Owners, and Allstate.
- State Farm (89%): Members praise the consistent service and local agent network
- Auto-Owners (85%): Homeowners appreciate the specialized coverage options
- Allstate (82%): Users highlight the potential discounts and customizable policies
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 89% |
| Auto-Owners | Insurer | 4.5 | 4 | 3.5 | 4 | 85% |
| Allstate | Agents | 4 | 4 | 4.5 | 4 | 82% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4 | 87% |
| Atlas Insurance Brokers | Broker | 4 | 4 | 4 | 3.5 | 79% |
See also:
Mitchell Best Refinance Lenders
Mitchell Best Home Loan Lenders
Yankton Home Insurance Cost
Compare Yankton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Yankton, the average annual insurance cost for a $300K home with a $500 deductible is $893. Choosing a $2,000 deductible instead of $500 can lower annual cost by 9.3% in Yankton for a $300K home.
Yankton’s $600K home insurance cost is 5.9% lower than the South Dakota average of $1,755. The Yankton average annual cost for a $600K home with a $500 deductible is $1,651.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $490 | $490 | $464 | $445 | $371 |
| $200K Home | $655 | $655 | $620 | $594 | $495 |
| $300K Home | $893 | $893 | $845 | $810 | $675 |
| $400K Home | $1,107 | $1,107 | $1,047 | $1,004 | $836 |
| $600K Home | $1,651 | $1,651 | $1,562 | $1,498 | $1,248 |
Yankton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Yankton’s area are State Farm, USAA, and Auto-Owners.
- State Farm (91%): Homeowners appreciate the local agent support and reliable claims
- USAA (88%): Members value the military-focused benefits and competitive rates
- Auto-Owners (84%): Users highlight the coverage options and financial stability
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 91% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4 | 88% |
| Auto-Owners | Insurer | 4.5 | 4 | 3.5 | 4 | 84% |
| Allstate | Agents | 4 | 4 | 4.5 | 4 | 83% |
| Atlas Insurance Brokers | Broker | 4 | 4 | 4 | 3.5 | 80% |
See also:
Yankton Best Refinance Lenders
Yankton Best Home Loan Lenders
Main Home Insurance Cost Factors in SD
Weather Risks
South Dakota is prone to severe weather patterns including tornadoes, hailstorms, blizzards, and high winds, particularly in areas like Sioux Falls, Rapid City, and the eastern plains. These risks significantly impact home insurance costs, especially in counties frequently hit by hail and wind damage. Hail claims are among the most common and costly in the state, prompting insurers to increase premiums or require higher deductibles for wind/hail damage.
Location within South Dakota
Where your home is located within South Dakota has a major effect on insurance rates. Urban areas like Sioux Falls and Rapid City may have higher rates due to increased claim frequency and crime rates, while rural areas may see lower premiums. However, homes located near wildfire-prone grasslands or in flood-risk zones near the Missouri or Big Sioux Rivers can face premium surcharges or additional required coverage.
Your Home Construction Age
Older homes in South Dakota often have outdated electrical, roofing, or plumbing systems that increase the likelihood of claims. This leads insurers to charge higher premiums. In contrast, newer homes with modern safety features benefit from discounts. The table below shows how age typically affects premiums in South Dakota, though specific rates may vary by city and insurer.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 10% to 20% less |
| 11–20 years | 0% to 10% more |
| 21–30 years | 10% to 25% more |
| 31–40 years | 20% to 35% more |
| 41–60 years | 40% to 60% more |
| 60+ years | 65% to 90% more |
South Dakota homes built before 1960 in cities like Deadwood or Lead may require more costly specialized coverage due to preservation requirements or outdated building materials.
Your Credit Score
Credit score plays a significant role in how much you pay for home insurance in South Dakota. Insurers use credit-based insurance scores to predict risk. South Dakota allows this practice, and differences in premiums can be substantial, as seen below:
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 15% to 25% more |
| Average | 35% to 55% more |
| Poor | 100% to 160% more |
Maintaining a strong credit history in South Dakota can result in significant savings—especially in cities with already elevated base premiums.
Best Home Insurance Discounts in South Dakota
Here are some common discounts offered by South Dakota insurers:
- Bundle Discount – Combining home and auto insurance can save 20% or more.
- New Home Discount – Homes under 10 years old often qualify for reduced rates.
- Claim-Free Discount – No recent claims? You could get up to 20% off.
- Home Safety Features – Installing smoke detectors, alarm systems, or storm shutters can lead to additional savings.
- Pay-in-Full or Paperless – Paying your premium annually or signing up for e-billing can also unlock small discounts.
How to Find Cheap Home Insurance in SD
To find the best affordable home insurance, South Dakota homeowners should compare quotes from at least three insurers. Focus on companies with strong customer reviews and claim service—not just low prices. Also check which companies offer tailored discounts for your region or home type. Remember, the cheapest policy may not offer adequate protection in case of severe weather or major loss.
6 Ways to Reduce Home Insurance Cost
- Bundle your home and auto policies with the same insurer.
- Raise your deductible to reduce your annual premium.
- Install storm-resistant roofing and weather protection features.
- Maintain good credit to qualify for better rates.
- Shop around regularly and take advantage of local discounts.
- Review your policy annually to avoid overinsuring or duplicating coverage.
What Does Home Insurance Cover in South Dakota?
Typical home insurance in South Dakota includes coverage for:
- Dwelling protection (structure of the home)
- Other structures (garage, shed)
- Personal property (furniture, electronics)
- Liability protection
- Medical payments to others
- Loss of use/additional living expenses if your home becomes uninhabitable
Is Extra Home Coverage Needed in South Dakota?
Homeowners in South Dakota should consider optional endorsements depending on their location and needs:
- Flood Insurance – Standard policies exclude flood damage; those near the Missouri or Big Sioux Rivers should consider NFIP or private flood policies.
- Earthquake Coverage – While rare, some insurers offer this for areas near fault lines.
- Sewer/Water Backup – Covers damage from backed-up drains or sump pump failure, common during spring thaw.
- Scheduled Personal Property – For high-value items like firearms, art, or jewelry, additional coverage ensures full replacement.
FAQ: South Dakota Home Insurance
Is home insurance required in South Dakota?
No, but if you have a mortgage, your lender will require it.
What’s the average cost of home insurance in South Dakota?
It ranges from $1,300 to $2,000 annually depending on location, home value, and coverage limits.
Can you change home insurance at any time?
Yes, you can switch providers any time, even mid-policy, though cancellation fees may apply.
Do South Dakota policies cover hail damage?
Most do, but check if your policy has a separate wind/hail deductible, especially in high-risk counties.
What affects my rate the most?
Your home’s age, construction type, credit score, and claims history are key pricing factors.