Best South Dakota Home and Auto Bundle Insurance Companies (2024)

MoneyGeek evaluated insurers based on a variety of factors, including premium cost, customer satisfaction, discounts and provided coverages. The top two combined auto and home insurers in South Dakota are:

• State Farm: MoneyGeek score of 84 out of 100
• Farmers: MoneyGeek score of 75 out of 100

According to MoneyGeek's study, State Farm is the best provider of home and car insurance, as it offers the best price without sacrificing quality or service. Alternatively, Farmers also provides comprehensive coverage at an affordable price with outstanding customer service.

MoneyGeek’s analysis determined that USAA provides the best auto and home insurance bundle in South Dakota for military members and their families. The company earned a high MoneyGeek score of 91 out of 100 for its quality customer service, coverage options and affordable average premium of $2,590 per year.

In South Dakota, policyholders could save an average of $515, or 16% per year, by bundling their insurance as opposed to purchasing separate policies from the same provider. According to MoneyGeek’s study, State Farm offers the highest discount rate at 28%, whereas Allstate has the lowest at 13%.

Although State Farm offers the cheapest annual premium and highest discount, this isn’t always the case. Sometimes, companies that offer high discounts have more expensive premiums than their competitors. Because of this, it’s important to evaluate companies for both their discount rates and annual premium cost.

Without taking into account additional discounts, MoneyGeek found that the following insurance providers offer the most affordable home and auto bundles in South Dakota:

• State Farm: $2,559 per year
• Farmers: $2,579 per year

However, the cheapest option may not be the best for your customer profile. MoneyGeek recommends comparing insurance providers' coverage options, customer service and rates to decide which is the best option for you.

Bundling your home and auto insurance isn’t always the most affordable option; it’s possible to save more money by combining insurance coverage from two separate companies. In other words, purchase the cheapest insurance for your home and your car.

However, in South Dakota, it’s still cheaper to purchase a bundle insurance policy. The cheapest non-bundle insurance combination, which includes State Farm car insurance and Farmers home insurance, costs $2,802 per year. This is $243 more expensive than the cheapest bundle option, offered by State Farm at $2,559 per year.

In general, bundling your home and auto insurance in South Dakota will help you save money. It’s also more convenient to manage your payments and file claims with a single provider. However, purchasing insurance from two different providers may allow you more coverage options. To decide if bundling insurance is the best decision for you, you should evaluate your coverage needs and financial goals.