The best home insurance companies in South Dakota are American Family, State Farm, Nationwide, Farmers and Farm Bureau. Nationwide ranks first for coverage options and affordability, while American Family excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in South Dakota
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in South Dakota are American Family, State Farm and Nationwide.
American Family offers the best overall home insurance for most South Dakota homeowners. For newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in South Dakota?
| American Family | 92 | 3 | 1 | 3 |
| State Farm | 91 | 2 | 2 | 4 |
| Nationwide | 84 | 1 | 4 | 1 |
| Farmers | 79 | 4 | 3 | 5 |
| Farm Bureau | 72 | 5 | 5 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While the best home insurance rankings can vary based on your specific needs or property type, we've summarized the top picks by key categories below.
| American Family | 92 | Overall |
| State Farm | 92 | Older Homes |
| American Family | 92 | Newer Homes |
| American Family | 92 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 92 | With Claims History |
Best South Dakota Home Insurance Reviews
Here's a look at the leading home insurance providers in South Dakota, showcasing those who excel in affordability, customer service, and diverse coverage options.
American Family: Best Overall
American Family is our top pick overall due to its lowest complaint index in South Dakota, reasonably affordable rates and good coverage selection. According to J.D. Power, the company also ranked fifth overall in the nation for claims satisfaction, further solidifying its excellent customer service. American Family is also one of the only companies with a diminishing deductible coverage option, which lowers the price you have to pay out of pocket the longer you go without a claim.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $123 | $1,471 |
| Newer Homes | $123 | $1,471 |
| Older Homes | $316 | $3,792 |
| Older Homes in High-Fire-Risk Areas | $316 | $3,792 |
Nationwide: Best for Affordability
While often not the most affordable provider, Nationwide has the lowest rates for both newer and older homes in South Dakota. The company also has one of the most extensive selections of add-ons, with unique options like better roof replacement and new belongings replacement. Standard policies also include credit card fraud protection.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $60 | $720 |
| Newer Homes in High-Fire-Risk Areas | $62 | $744 |
| Older Homes | $220 | $2,637 |
| Older Homes in High-Fire-Risk Areas | $227 | $2,727 |
How to Find the Best Home Insurance in South Dakota
We've developed a step-by-step guide to help you find the best coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your dwelling's value, the personal items inside and local risk factors such as wildfires or flooding that might impact your decision.
- 2
Research costs and discounts
Investigate how much home insurance costs in South Dakota to evaluate potential savings. Also, explore discounts like bundling or installing home safety devices to potentially lower your premium.
- 3
Find the best providers for you
Identify the most suitable and cheapest home insurance in South Dakota by assessing customer service, pricing, and available endorsements. Use guides and personal research to pinpoint insurers offering the best combination of cost and service.
- 4
Compare multiple providers through all means
Thoroughly compare quotes from various online and agent-based options to find the best offer and the ideal provider.
Best Homeowners Insurance in South Dakota: Bottom Line
American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in South Dakota. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in South Dakota: FAQ
To simplify your search, we’ve answered key questions about selecting a home insurance provider in South Dakota.
Which company is best for home insurance in South Dakota?
American Family is the best homeowners insurance provider in South Dakota, thanks to its affordability, customer service and strong add-on coverage options. State Farm, Nationwide, Farmers, and Farm Bureau are also highly rated alternatives in the state.
Who has the most affordable homeowners insurance in South Dakota?
The most affordable homeowners insurance in South Dakota varies by individual circumstances. However, the average cost in South Dakota is $1,171 annually.
How do you get the best homeowners insurance in South Dakota?
To find the best home insurance in South Dakota, decide on your coverage needs beforehand, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in South Dakota: Our Methodology
We rated the best homeowners insurance providers in South Dakota using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.