Popular Questions about South Dakota Home Insurance

The average rate for South Dakota home insurance is $1,202 per year, making it just below the national figure of $1,211 annually. Each policy is fit to your individual needs and exposures. For exact pricing, get quotes for free through a trusted professional. 

Your South Dakota homeowners policy will provide protection against leading losses such as fire, theft, vandalism, severe weather, and natural disasters. Each policy comes with standard coverages for your dwelling, personal property, other structures, liability, medical payments, and additional living expenses. The amount of insurance depends on your specific needs and selection. 

In South Dakota, you're not required by law to carry homeowners insurance, though it's usually necessary. If you have a mortgage or lienholder on your property, then you'll be obligated to show proof of coverage. Since  93,309,000 home insurance claims were reported in South Dakota in one year, the right protection could save you big time.

The carriers use various items when calculating your South Dakota home insurance rates. Personal information as well as outside exposures like natural disasters all play a role in your costs. In South Dakota, threats like severe storms (29/per year) and tornadoes (36/per year) add to your home insurance premiums.

Yes, currently South Dakota has 219 independent insurance agencies that can help compare coverage. They do the shopping for free, so you save time and premium dollars. 

When it comes to selecting the right insurance company for your home coverage, there's a lot out there. Some of the best carrier options in South Dakota are State Auto, Safeco, Nationwide, and Main Street America insurance companies. These markets are labeled among the top companies because of their competitive pricing, fast service, and excellent coverage offerings.

Do You Know What Your South Dakota Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Aberdeen$1,062$153,6894.11
Belle Fourche$865$127,2893.33
Box Elder$1,019$152,5802.5
Brandon$1,205$198,3170.4
Brookings$1,193$180,1991.84
Canton$889$131,0143.25
Dell Rapids$1,034$161,9040.3
Harrisburg$1,154$188,7431.98
Hot Springs$761$112,6103.14
Huron$729$108,7762.9
Lead$737$116,0060.02
Madison$791$120,6072.02
Milbank$767$117,3211.57
Mitchell$1,022$143,0645.59
Mobridge$639$88,4010.58
Pierre$1,189$180,6376.04
Rapid City$1,277$177,7006.44
Sioux Falls$1,215$173,4004.96
Spearfish$1,323$222,3733.76
Sturgis$1,107$167,7111.79
Tea$1,202$191,9203.16
Vermillion$968$145,6932.32
Watertown$1,165$171,4353.29
Yankton$963$139,7773.91
  1. $101
  2. Sioux Falls, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Sioux Falls is $101. There are several variables that impact home insurance rates in Sioux Falls. Details like your home's size, age, and value, along with the local crime rate and even your credit score, can all be used by insurance companies to determine your premium. You therefore should not be surprised if your quoted rate is considerably higher or lower than this average.
  4. Sioux Falls home insurance covers you against many of the risks you face as a homeowner in this city. These include weather-related damage, accidental fires, and liability lawsuits. It also covers against property crimes, which is important in this city, where the burglary rate is almost double the state average. If someone breaks into your house while you're out of town and steals your computer, jewelry, and other valuables, you can file a claim with your homeowners insurance to get the money you need to replace the stolen items.


  1. $106
  2. Rapid City, SD Monthly average home insurance cost
  3. The average monthly rate of homeowners insurance in Rapid City is $106. Your specific home insurance premiums could be higher or lower than this average, depending on many factors, including the crime rate in your home's ZIP code, your credit score, and your house’s age, size and value. Comparing rates from multiple carriers helps you be sure that you are not overpaying for your coverage.
  4. Your Rapid City home insurance is designed to cover a variety of risks you may face as a homeowner in this city. It can cover against property crimes, accidental fires, and liability lawsuits. It also covers against severe weather events. If a severe storm rolls into town and the wind blows a tree over and it smashes your roof, you can file a claim with your home insurance provider and receive money to make repairs. If you have belongings that were destroyed during the event, your insurance can pay to replace those items, too.


  1. $89
  2. Aberdeen, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Aberdeen is $89. Your actual quoted rates could be significantly less or more than this amount. That is because your costs are calculated by insurers according to many factors, such as the size and age of your house, your credit score, and the amount of coverage you are purchasing. When you take the time to compare rates, you can find the policy that offers the coverage you need at the best price.
  4. Your Aberdeen homeowners insurance policy is designed to cover you against financial losses related to many of the risks you face as a homeowner. These include liability lawsuits, severe weather, fires, and property crimes. If a severe storm, or even a tornado, rolls in and high winds damage your home, it can be very expensive. Fortunately, your home insurance can provide you with the funds needed to repair your home and replace lost or damaged items.


  1. $99
  2. Brookings, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Brookings is $99. Keep in mind, however, that premiums can vary significantly from one homeowner to the next, so your actual cost could be higher or lower. It all depends on a variety of factors like your home's age and value, the crime rate in your ZIP code and, sometimes, even your credit score. 
  4. Brookings homeowners insurance offers protection against a number of hazards homeowners in this city face. These include severe weather events, liability lawsuits, burglaries, and unexpected accidents in your home. If the water hose on your dishwasher breaks while you are away from your home, your house can quickly be inundated with water, which can cause serious and expensive damage to your walls, floors, and personal property. Water damage is definitely frustrating, but as long as it is not related to a flood, your homeowners insurance policy can cover the cost to make repairs. 


  1. $97
  2. Watertown, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Watertown is $97. Rates vary from one homeowner to the next, so you could end up paying more or less than this average. Your premium will be based on several factors such as the size and age of your home, the crime rate in your ZIP code, your credit score, and the amount of coverage you are purchasing. When you compare rates, you can be sure you are getting your coverage at a competitive price.
  4. Watertown homeowners insurance provides coverage against a number of hazards, including accidental damage. You may forget to turn off the burner on your stove before you leave for work. This could potentially lead to a massive fire in your home. A residential fire can be devastating because it can lead to a total loss of your personal property. Fortunately, homeowners insurance gives you a backup plan. It can cover the costs to rebuild your home, replace your damaged property, and even compensate you for the cost of accommodations for you and your family while your home is uninhabitable.


  1. $85
  2. Mitchell, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Mitchell is $85. Your rate could be more or less, depending on several factors that are used by insurance companies to assess risk and assign rates. These include your house's size and building materials, the local crime rate, your credit score, and the amount of coverage you are purchasing.
  4. Your Mitchell homeowners insurance covers against many risks that can otherwise lead to excessive financial losses. These include property crimes, accidental fires, liability lawsuits, and severe weather events. If a hailstorm sweeps through the area, dumping large hailstones onto your home, your roof may be severely damaged. Fortunately, homeowners insurance covers hail damage so you can file a claim and get the money you need to repair or replace your roof.


  1. $80
  2. Yankton, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Yankton is $80. Your actual cost could be considerably higher or lower, depending on factors like your credit score, your previous home insurance claims, and the age, value, and structure of your home. Each insurance company has a proprietary method for calculating rates, so it is worthwhile to compare rates from a few insurers before making a purchase.
  4. While your Yankton home insurance can cover you against things like property crimes, accidental fires, and liability lawsuits, for residents of this city, the biggest risk comes from severe weather events. Imagine this: One of South Dakota’s tornadoes passes through your area, tearing the roof off your home and causing a tree to fall into your kitchen. When the storm passes, the resultant devastation is a nightmare. Such a scenario can be stressful, but you can at least find some comfort in knowing that your home insurance can pay to rebuild and repair your home and replace your ruined belongings.


  1. $99
  2. Pierre, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Pierre is $99. Keep in mind, however, that your actual premium could be significantly higher or lower than this average. That is because insurance companies use a number of variables to assess risk and assign rates. Your rates may depend on several factors such as the size and age of your home, your credit score, your previous home insurance claims, and the amount of coverage you are purchasing.
  4. Your Pierre homeowners insurance policy can cover the costs associated with a number of risks you may face as a resident of this city. It can cover against liability lawsuits, natural as well as accidental fires, and severe weather events. It can also cover against property crimes, which is a real concern in Pierre, where the burglary rate exceeds the state average. If your house has been burglarized, be sure to get a police report, as this will be necessary when you file a claim with your homeowners insurance. 


  1. $61
  2. Huron, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Huron is $61. Of course, every homeowner will pay a customized premium that is based on their home's unique factors like its age and value, the materials used in its construction, and the crime rate in the ZIP code in which it is located. You can therefore expect your quoted rates to be considerably higher or lower than this average. When you compare rates from multiple insurance companies, you can be sure that the policy you choose comes at the right price.
  4. Huron home insurance can help you protect your investment in your home by covering many of South Dakota’s risks that can lead to expensive losses. It can cover against property crimes, liability problems, and severe weather events. Storms that bring strong wind, or even tornadoes, can cause serious damage to local homes. If the wind has resulted in missing shingles on your roof or in fallen trees, you can rely on your homeowners insurance policy to cover the cost of repairs to your home and replacement of lost or damaged property.


  1. $81
  2. Vermillion, SD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Vermillion is $81. Bear in mind, however, that your actual costs may be significantly less or more than this average. Rates are calculated individually according to several factors such as your home’s age, value, and construction, and your claims and credit history. Each insurer has a different way of determining rates, so it pays to compare a variety of quotes.
  4. Your Vermillion home insurance can cover damage caused by most major weather events as well as liability lawsuits and property crimes. It can also cover against residential fires. A fire in your home can be particularly devastating, since if it is not contained quickly, it can potentially lead to the complete loss of your home and all the belongings inside it. Because of this, it is very important for the coverage limits on your home policy to be high enough to handle a total loss. In some cases, particularly valuable items and collections will need a special endorsement, or rider, in order to be fully covered.