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South Dakota Home Insurance Calculator: Free Cost Estimator (2025)
Updated: January 9, 2025
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Home Insurance
Calculator
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
$220
High
$144
Average
$104
Low
Rates updated:
May 20, 2025
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MONEYGEEK EXPERT TIP
MoneyGeek compared costs from a number of companies if you're looking for cheap South Dakota homeowners insurance. Our research found that Travelers is the cheapest option in the state.
If you're seeking to mix affordability and quality, MoneyGeek also looked into the best homeowners insurance in South Dakota. We compared prices from many companies to make it easier for you to choose the one that most closely meets your needs and demands.
How to Estimate the Cost of Your Homeowners Insurance Policy in South Dakota
Your location, the amount of your deductible, your credit score and other factors all impact how much South Dakota homeowners insurance costs. You can get a customized estimate of the price of your insurance policy by entering your unique information into MoneyGeek's South Dakota homeowners insurance calculator.
South Dakota
Depending on where you live in South Dakota, your homeowners insurance costs will change. Your premium will probably be higher than someone who lives in a state with lower risks if you reside in a place where fraud, natural disasters and fires are more prevalent.
Dwelling Coverage
Your home's dwelling coverage pays for the cost of reconstruction. The price of homeowners insurance may vary based on the quantity of dwelling coverage you include in your policy.
In South Dakota, the typical amount for dwelling coverage is $250,000.
Deductible
Your deductible is the amount you must pay before your homeowners insurance company begins to pay when you file a claim.
For instance, if you have a $500 deductible on your insurance and your claim is worth $10,000, you will only get $9,500.
As your deductible decreases, your insurance rate will typically increase.
Liability
Liability insurance provides coverage for expenses related to injuries to third parties and their property sustained on your property as a result of your negligence. These expenses include legal fees, replacement costs, medical expenses, pain and suffering costs and death benefits.
MoneyGeek recommends getting enough liability insurance to protect your assets. For coverage worth thousands of dollars, liability insurance has a very low annual rate.
Personal Property
Your clothing, gadgets, furniture and other possessions are all covered by personal property insurance.
It's important to give your personal items the security they need. To determine how much personal property insurance you need, use the calculator below.
Credit Score
When determining how much your South Dakota home insurance will cost, insurance companies take your credit score into account. Because they are more likely to make a claim, homeowners with lower credit scores are viewed as riskier by insurers. If you have poor credit, your South Dakota homeowners insurance will be more expensive.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Average Cost of Home Insurance in South Dakota
South Dakota is one of the more expensive states for homeowners insurance, costing $2,921 on average a year for $250,000 in dwelling coverage. This is 21% more than the national average.
The chart below shows the typical price per level of coverage in South Dakota if you need more or less dwelling coverage.
Average Annual Premium in South Dakota for Homeowners Insurance
| $100,000 | $2,378 |
| $250,000 | $2,921 |
| $500,000 | $6,689 |
| $750,000 | $9,153 |
| $1,000,000 | $11,651 |
| $2,000,000 | $23,844 |
| $3,000,000 | $35,959 |
MONEYGEEK EXPERT TIP
Your property should be adequately covered by homeowners insurance to pay for the cost of reconstruction. It's vital to take your need for dwelling coverage into account when purchasing homeowners insurance.
Your home's final replacement cost might be affected by a variety of elements, including height, floor area, building materials and more. When calculating prospective reconstruction expenses, an appraiser can help.
Note that if you have a catastrophic loss, the cost of completely rebuilding your home should be your top concern. Also, consider inflation guard coverage as well as extended and guaranteed replacement coverage for added protection.
Frequently Asked Questions About Home Insurance in South Dakota
Rates for homeowners insurance in South Dakota may change depending on your personal characteristics, your residence and your insurance company. To help you shop, MoneyGeek provided answers to frequently asked questions about homeowners insurance.
How much does homeowners insurance cost in South Dakota?
With an average annual cost of $2,921 for $250,000 in dwelling coverage, South Dakota is one of the more expensive states for homeowners insurance. It is 21% more expensive than the national average.
How do I know how much dwelling coverage to get?
In South Dakota, $250,000 in dwelling coverage is the average coverage amount. To determine how much dwelling coverage to buy, you must first determine the cost of rebuilding your home. The present costs of manpower, supplies and building must be established. You should be able to get assistance with this from an appraiser or your real estate firm.
Insurance
Insurance
Home Insurance
Insurance
Methodology
To determine the average cost of homeowners insurance in South Dakota, MoneyGeek sourced pricing data from Quadrant Information Services.
MoneyGeek chose a standard home profile to provide the most reliable and relevant data for developing a thorough analysis of homeowners insurance. This standard home profile consists of the following attributes:
- Construction year: 2000
- Construction type: Frame
- Composition roof
- Three-mile radius from the fire department
- Assumed value of other structures on the property: 10% of the dwelling coverage
- Personal property coverage: 40% of the dwelling coverage
- Liability limit: $100,000
- Deductible: $1,000
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.