Homeowners Insurance Cost in South Dakota
Homeowners insurance in South Dakota costs about $3,240 a year ($270 a month), which is 35% above the US average. Most prices fall from $1,760 to $7,430.
Homeowners Insurance Cost in South Dakota
| Low | Typical | High | |
|---|---|---|---|
| South Dakota | $1,760 | $3,240 | $7,430 |
| US average | $1,300 | $2,400 | $5,500 |
Claim frequency, litigation rates and weather losses push prices up or down in South Dakota. We rank South Dakota number 42 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 1.35 (1.00 is the US average).
What the price covers
The figures are for a single-family home with about $300,000 of dwelling coverage. Storm, fire and flood risk, rebuild cost and roof age drive the price. Flood and earthquake are usually separate policies.
Ways to pay less in South Dakota
- Ask about discounts for a new roof, security system and bundled auto.
- A higher deductible lowers the premium, especially in storm-prone areas.
- Flood and earthquake damage are usually not covered. Ask about separate policies.
Frequently asked questions
How much is homeowners insurance?
In South Dakota the typical price is about $3,240 a year ($270 a month), with a range of $1,760 to $7,430.
Is homeowners insurance more expensive in South Dakota than average?
It is 35% above the US average of $2,400.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.