Best Homeowners Insurance in South Dakota


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in South Dakota are American Family, State Farm and Nationwide.

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American Family offers the best overall home insurance for most South Dakota homeowners. For newer homes, State Farm could be a more suitable option.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies in South Dakota?

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.

American Family92313
State Farm91224
Nationwide84141
Farmers79435
Farm Bureau72552

*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 Family92Overall
State Farm92Older Homes
American Family92Newer Homes
American Family92High-Fire-Risk Areas
American Family93Bad Credit
American Family92With 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
Select
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. 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. 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. 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. 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?

Who has the most affordable homeowners insurance in South Dakota?

How do you get the best homeowners insurance in South Dakota?

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 headshot

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.


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