15 top-rated best homeowners insurance providers available in South Dakota. Compare coverage options and get quotes.
Among the lowest rates. Military families only. Excellent claims service.
From ~$150/yr for $1M. Military families only. Lowest premiums available.
Avg $1,500–$1,900/yr. Military families only. Best-in-class service.
Avg $1,180–$1,500/yr. Military & veterans only. Top-rated customer service.
Premium policy for high-value homes ($750K+). Cash settlement. Extended replacement.
Broadest coverage. No underlying policy required. A++ rated. Best for high net worth.
Up to 80% income replacement. Benefits to age 70. Highly customizable riders.
Overall score 4.74. Competitive term rates. Strong financial strength (A+ AM Best).
Avg ~$107/yr. Lowest rates. #1 customer satisfaction. Dividend payback.
J.D. Power 906/1000. Annual dividends reduce premiums 5–20%. Best claims handling.
170+ year track record. Annual dividends since 1854. Best for whole life policies.
Starting ~$1,280/yr. Best value where available (12 states + DC).
From $5/mo. Avg $118/yr. AI claims paid in minutes. App-first experience.
All 50 states. A++ rated. Group + individual policies. Long-term specialist.
Unlimited annual benefits. No caps per incident. Avg 2-day claims turnaround.
USAA Renters Insurance is a top-rated provider of best homeowners insurance in South Dakota. Insurance availability and rates vary by zip code — always compare at least 3 quotes for your specific address.
Yes — insurance rates vary significantly within South Dakota based on your specific zip code, local claims history, weather risks, and traffic density. Compare multiple quotes to find the best rate for your exact location.
Rates vary by zip code and individual factors · Get personalized quotes · Q1 2026