In South Dakota, AKC ranks highest for dog insurance, while Lemonade leads for cat coverage. Other strong insurance providers in the state include Pets Best, Spot and Pumpkin.
Best Pet Insurance in South Dakota
Updated: September 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
AKC and Lemonade offer the best pet insurance in South Dakota, with plans starting at $8 per month. These providers balance competitive pricing with excellent customer service.
For South Dakota pet owners, Lemonade provides the cheapest pet insurance for dogs at $46 per month, while Pumpkin offers the lowest cat insurance rates at $19 monthly.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget while considering provider reputation.
Best Pet Insurance Companies in South Dakota
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| AKC | 4.55 | $52 |
| Lemonade | 4.50 | $46 |
| Pets Best | 4.10 | $55 |
| ASPCA | 3.80 | $53 |
| Pumpkin | 3.75 | $56 |
AKC
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$52Average Monthly Rate for Cats
$28Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in South Dakota, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| AKC | 4.35 | $46 |
| Pets Best | 4.35 | $25 |
| Lemonade | 4.25 | $28 |
| Rainwalk | 4.2 | $51 |
| Spot | 3.95 | $45 |
Best Pet Insurance by Cat Breed
Our research shows AKC dominates the best pet insurance rankings for most cat breeds in South Dakota, offering superior coverage and customer experience. Below, you can review which companies are best for your specific cat breed.
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Breed:Abyssinian
| AKC | 4.55 | $33 |
| Rainwalk | 4.4 | $36 |
| Lemonade | 4.35 | $22 |
| Pets Best | 4.3 | $29 |
| Spot | 4.2 | $28 |
Cheapest Pet Insurance in South Dakota
In South Dakota, Lemonade offers the cheapest dog insurance at $46 per month or $548 per year. For cats, Pumpkin provides the most affordable coverage at $19 monthly or $229 annually.
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $46 | $548 | -30% |
| AKC | $52 | $628 | -20% |
| ASPCA | $53 | $637 | -19% |
| Pets Best | $55 | $666 | -15% |
| Pumpkin | $56 | $667 | -15% |
| Met Life | $59 | $708 | -10% |
| Figo | $60 | $717 | -9% |
| Hartville | $62 | $740 | -6% |
| Spot | $63 | $758 | -3% |
| Liberty Mutual | $70 | $841 | 7% |
| Rainwalk | $71 | $857 | 9% |
| Embrace | $81 | $974 | 24% |
| Fetch | $93 | $1,116 | 42% |
| Nationwide | $98 | $1,176 | 50% |
Cheapest South Dakota Pet Insurance by Dog Breed
In South Dakota, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $15 monthly.
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Breed:Affenpinscher
| Pets Best | $25 | $297 | -51% |
| Lemonade | $28 | $335 | -44% |
| Pumpkin | $33 | $396 | -34% |
| ASPCA | $38 | $449 | -25% |
| Figo | $42 | $502 | -16% |
Cheapest South Dakota Pet Insurance by Cat Breed
In South Dakota, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance coverage. Monthly premiums start at $13 for standard plans.
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Breed:Abyssinian
| Lemonade | $22 | $267 | -55% |
| Figo | $26 | $307 | -49% |
| Hartville | $28 | $331 | -45% |
| Spot | $28 | $337 | -44% |
| Pets Best | $29 | $345 | -42% |
How Much Is Pet Insurance in South Dakota?
South Dakota pet insurance costs an average of $80 monthly for dogs and $41 for cats. Residents pay 11% less than the national average for dog and cat policies.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $41 | $486 | -11% |
| Dog | $80 | $958 | -11% |
How to Get the Best Cheap Pet Insurance in South Dakota
Finding the best cheap provider and coverage plan in South Dakota can be difficult. Want to find great pet insurance? Here's how to make the best choice:
- 1
Evaluate Your Pet's Coverage Needs First
Before shopping for insurance, consider your pet's age, breed and potential health risks. Talk with your vet about common health issues for your pet's breed to determine necessary coverage levels.
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Look for Available Insurance Discounts
Check for savings opportunities like a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for military members and spayed or neutered pets.
- 3
Check Insurance Company Ratings
Check customer reviews and financial strength ratings of pet insurance providers. Focus on providers with strong track records of paying claims promptly and providing good customer service.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies for similar coverage levels. When reviewing quotes, compare deductibles, coverage limits and exclusions.
- 5
Review Your Policy Annually
Pet insurance rates often increase as pets age or if you file claims. Compare new quotes yearly at renewal time to get the best available rate.
Best Pet Insurance in South Dakota: Bottom Line
AKC is the best dog insurance provider in South Dakota, while Lemonade stands out for cat coverage. If you want to save money, Lemonade offers the most affordable dog policies, and Pumpkin provides the lowest-cost cat insurance. Compare multiple providers and coverage options to find the right fit for your pet's needs.
Pet Insurance in South Dakota: FAQ
Here are answers to frequently asked questions about South Dakota pet insurance:
What are the best pet insurance companies in South Dakota?
Pet owners in South Dakota can find excellent coverage through Lemonade, AKC, Pumpkin, Spot and Pets Best, which rank among the state's leading insurance providers.
Which company has the cheapest pet insurance in South Dakota?
Lemonade and Pumpkin offer the most affordable pet insurance rates in South Dakota. Monthly premiums start at $46 for dogs and $19 for cats.
How much is pet insurance in South Dakota?
In South Dakota, pet insurance costs average $486 annually for cats and $958 for dogs. Annual premiums across all pet types range from $60 to $11,810, depending on coverage selected.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in South Dakota
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for South Dakota residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 18, 2025.