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Best Rated SD Home Insurance: Cost & Ratings

Author: Data Team

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 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:

Home Insurance Quotes

Home Insurance Basics

How Much Home Coverage Do You Need?

Home Insurance Coverage Add-ons You May Need

Home Insurance Shopping: How to Save Money

South Dakota Mortgage & Rates

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.

 
Annual Insurance Costs by Home Value and Deductible — Sioux Falls (2026)
  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.

 
Annual Insurance Costs by Home Value and Deductible — Rapid City (2026)
  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.

 
Annual Insurance Costs by Home Value and Deductible — Aberdeen (2026)
  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.

 
Annual Insurance Costs by Home Value and Deductible — Brookings (2026)
  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.

 
Annual Insurance Costs by Home Value and Deductible — Watertown (2026)
  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.

 
Annual Insurance Costs by Home Value and Deductible — Mitchell (2026)
  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.

 
Annual Insurance Costs by Home Value and Deductible — Yankton (2026)
  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.