South Dakota homeowners insurance cost calculator

Homeowners insurance in South Dakota averages about $3,965 a year ($330/mo) for $400,000 of dwelling coverage — roughly 39% above the US average of $2,852. Renters insurance averages about $127 a year. Estimate your own cost below.

Estimated premium

$3,965/yr

Monthly$330.42

Dwelling coverage$400,000

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South Dakota homeowners insurance cost at a glance

Homeowners (avg/yr, $400,000 dwelling): $3,965
Homeowners (avg/mo): $330
Renters (avg/yr): $127
US average (home/yr): $2,852

Frequently asked questions

How much is homeowners insurance in South Dakota?

Homeowners insurance in South Dakota averages about $3,965 a year, or $330 a month, for $400,000 of dwelling coverage. Your premium scales with your home's rebuild cost.

Is home insurance expensive in South Dakota?

South Dakota is above the national average. Homeowners coverage there averages $3,965 a year versus the US average of $2,852 — about 39% above.

How much is renters insurance in South Dakota?

Renters insurance in South Dakota averages about $127 a year for $30,000 of personal-property coverage — typically far cheaper than homeowners insurance.

What affects home insurance cost in South Dakota?

Your home's rebuild cost, age, construction, roof, claims history, deductible and local catastrophe risk all matter. Compare quotes from several carriers and ask about bundling and protective-device discounts.

How this estimate is calculated

Homeowners estimates start from the 2026 average annual South Dakota premium at $400,000 dwelling coverage, scaled to your coverage amount using the national coverage curve. Renters uses 2026 average premiums at $30,000 personal property. Your home's specifics and deductible also affect real quotes.

See our full methodology for assumptions, limits and the 2026 data used.

Sources

Written by: Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
Reviewed: Figures checked against the cited sources
Last updated: June 13, 2026
Standards: Editorial policy

This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.