Average insurance rates across 13 cities in South Dakota
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Sioux Falls | 192,517 | $2,160 | $1,260 | $571/mo | $14/mo |
| Rapid City | 87,826 | $2,160 | $1,260 | $571/mo | $14/mo |
| Aberdeen | 28,388 | $2,160 | $1,260 | $571/mo | $14/mo |
| Brookings | 23,530 | $2,160 | $1,260 | $571/mo | $14/mo |
| Watertown | 22,718 | $2,160 | $1,260 | $571/mo | $14/mo |
| Mitchell | 15,656 | $2,160 | $1,260 | $571/mo | $14/mo |
| Yankton | 15,421 | $2,160 | $1,260 | $571/mo | $14/mo |
| Huron | 14,179 | $2,160 | $1,260 | $571/mo | $14/mo |
| Pierre | 14,105 | $2,160 | $1,260 | $571/mo | $14/mo |
| Spearfish | 12,268 | $2,160 | $1,260 | $571/mo | $14/mo |
| Box Elder | 11,905 | $2,160 | $1,260 | $571/mo | $14/mo |
| Vermillion | 11,667 | $2,160 | $1,260 | $571/mo | $14/mo |
| Brandon | 10,919 | $2,160 | $1,260 | $571/mo | $14/mo |
South Dakota residents pay an average of $2,400 per year for home insurance and $1,400 for auto insurance. South Dakota follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in South Dakota averages $580 per month for an individual Silver marketplace plan. The weather risk level is high, with tornado activity affecting premiums. Top insurance providers in South Dakota include State Farm, Farm Bureau, American Family.
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Policygenius The ZebraThe average home insurance cost in South Dakota is $2,400 per year. Rates range from $1,500 to $3,400 depending on home value, location, and coverage level.
Auto insurance in South Dakota averages $1,400 per year for full coverage. The state minimum coverage is 25/50/25.
South Dakota has moderate insurance costs, with home insurance at $2,400/yr and auto at $1,400/yr compared to national averages of $2,300 and $1,800 respectively.
South Dakota requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.