The average homeowners insurance in South Dakota is $3,760 per year — that's 48% above the U.S. average of $2,543, the 10th most expensive of 51 states.
| South Dakota average | $3,760 per year |
|---|---|
| U.S. average | $2,543 per year |
| Difference | +48% (+$1,217/yr) |
| Rank (most expensive) | 10th of 51 |
South Dakota sits in the Midwest and ranks 10th of 51 for home insurance cost. The main driver is hail and severe plains storms — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
Your state's full breakdown plus the discounts most people miss. Free, no obligation.
The levers that move your rate the most: raising your deductible; bundling home and auto with one carrier; adding wind/hail mitigation or a newer roof; asking about every discount (claims-free, security system, new-buyer). The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare South Dakota Home Insurance Rates — Free, 2 Minutes →The average homeowners insurance in South Dakota is about $3,760 per year as of 2026 — 48% above the national average of $2,543 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
South Dakota ranks 10th out of 51 for home insurance cost. Rates run high largely because of hail and severe plains storms.
The fastest levers: raising your deductible, bundling home and auto with one carrier, adding wind/hail mitigation or a newer roof. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.