South Dakota

Auto and home insurance in South Dakota

State auto minimums, homeowners premium averages, and city guides for South Dakota households. A quote is not a binder.

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69% of South Dakota households own their home, the median owner-occupied home is valued at $257,400, and 77% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most South Dakota families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.

South Dakota auto insurance requirements

South Dakota requires liability limits of at least 25/50/25 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: uninsured/underinsured motorist 25/50. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.

Source: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance.

Average homeowners premiums in South Dakota

The NAIC's 2023 average HO-3 premium in South Dakota was $1,614, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.

Dwelling coverage amountSouth Dakota average HO-3 premium (2023)Countrywide average
Under $150,000$986$954
$150,000–$199,999$1,209$1,192
$200,000–$224,999$1,372$1,282
$225,000–$249,999$1,389$1,297
$250,000–$274,999$1,390$1,350
$275,000–$299,999$1,450$1,414
$300,000–$324,999$1,463$1,475
$325,000–$349,999$1,549$1,492
$350,000–$399,999$1,631$1,598
$400,000–$449,999$1,705$1,679
$450,000–$499,999$1,850$1,825
$500,000–$599,999$2,024$1,973
$600,000–$699,999$2,253$2,249
$700,000–$999,999$3,010$2,916
$1,000,000 and over$2,852$4,314
All amounts (state average)$1,614$1,737

Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).

How South Dakota drives

Statewide, 77% of workers drive alone, 8% carpool, and 10% work from home. 7% commute 45 minutes or more, and 30% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.

What moves a South Dakota auto and home quote

  1. Driving records and the number of drivers and vehicles.
  2. Mileage and garaging, including commute length.
  3. Rebuild cost and the age of the roof and home systems.
  4. Local losses, especially severe hail and deer collisions.
  5. Deductibles and limits on both policies.
  6. Claims history and other rating factors allowed in South Dakota.
  7. Discounts such as multi-policy, multi-car, and protective devices.

City guides for South Dakota

Guides

More South Dakota communities

We accept quote requests from anywhere in South Dakota. Other cities and towns, listed by county:

  • Aurora County — Plankinton; Stickney; White Lake
  • Beadle County — Broadland; Cavour; Hitchcock; Virgil; Wessington; Wolsey; Yale
  • Bennett County — Martin
  • Bon Homme County — Avon; Scotland; Springfield; Tabor; Tyndall
  • Brookings County — Aurora; Bruce; Bushnell; Elkton; Sinai; Volga; White
  • Brown County — Claremont; Columbia; Frederick; Groton; Hecla; Stratford; Verdon; Warner; Westport
  • Brule County — Chamberlain; Kimball; Pukwana
  • Butte County — Belle Fourche; Fruitdale; Newell; Nisland
  • Campbell County — Artas; Herreid; Mound City; Pollock
  • Charles Mix County — Dante; Geddes; Lake Andes; Pickstown; Platte; Ravinia; Wagner
  • Clark County — Bradley; Clark; Garden City; Naples; Raymond; Vienna; Willow Lake
  • Clay County — Wakonda
  • Codington County — Florence; Henry; Kranzburg; South Shore; Wallace
  • Corson County — McIntosh; McLaughlin; Morristown
  • Custer County — Buffalo Gap; Custer; Fairburn; Hermosa; Pringle
  • Davison County — Ethan; Mount Vernon
  • Day County — Andover; Bristol; Butler; Grenville; Pierpont; Roslyn; Waubay; Webster
  • Deuel County — Altamont; Astoria; Brandt; Clear Lake; Gary; Goodwin; Toronto
  • Dewey County — Eagle Butte; Isabel; Timber Lake
  • Douglas County — Armour; Corsica; Delmont
  • Edmunds County — Bowdle; Hosmer; Ipswich; Roscoe
  • Fall River County — Edgemont; Hot Springs; Oelrichs
  • Faulk County — Chelsea; Cresbard; Faulkton; Onaka; Orient; Rockham; Seneca
  • Grant County — Albee; Big Stone City; La Bolt; Marvin; Milbank; Revillo; Stockholm; Strandburg; Twin Brooks
  • Gregory County — Bonesteel; Burke; Dallas; Fairfax; Gregory; Herrick
  • Haakon County — Midland; Philip
  • Hamlin County — Bryant; Castlewood; Estelline; Hayti; Hazel; Lake Norden
  • Hand County — Miller; Ree Heights; St. Lawrence
  • Hanson County — Alexandria; Emery; Farmer; Fulton
  • Harding County — Buffalo; Camp Crook
  • Hughes County — Blunt; Harrold
  • Hutchinson County — Dimock; Freeman; Menno; Olivet; Parkston; Tripp
  • Hyde County — Highmore
  • Jackson County — Belvidere; Cottonwood; Interior; Kadoka
  • Jerauld County — Alpena; Lane; Wessington Springs
  • Jones County — Draper; Murdo
  • Kingsbury County — Arlington; Badger; Bancroft; De Smet; Erwin; Hetland; Iroquois; Lake Preston; Oldham
  • Lake County — Brant Lake; Madison; Nunda; Ramona; Wentworth
  • Lawrence County — Central City; Deadwood; Lead; Whitewood
  • Lincoln County — Canton; Fairview; Hudson; Lennox; Worthing
  • Lyman County — Kennebec; Oacoma; Presho; Reliance
  • Marshall County — Britton; Eden; Lake City; Langford; Veblen
  • Mccook County — Bridgewater; Canistota; Montrose; Salem; Spencer
  • Mcpherson County — Eureka; Hillsview; Leola; Long Lake; Wetonka
  • Meade County — Faith; Piedmont; Sturgis; Summerset
  • Mellette County — White River; Wood
  • Miner County — Canova; Carthage; Howard; Vilas
  • Minnehaha County — Baltic; Colton; Crooks; Dell Rapids; Garretson; Hartford; Humboldt; Sherman; Valley Springs
  • Moody County — Colman; Egan; Flandreau; Trent; Ward
  • Oglala Lakota County — Batesland
  • Pennington County — Hill City; Keystone; New Underwood; Quinn; Wall; Wasta
  • Perkins County — Bison; Lemmon
  • Potter County — Gettysburg; Hoven; Lebanon; Tolstoy
  • Roberts County — Claire City; Corona; New Effington; Ortley; Peever; Rosholt; Sisseton; Summit; White Rock; Wilmot
  • Sanborn County — Artesian; Letcher; Woonsocket
  • Spink County — Ashton; Brentford; Conde; Doland; Frankfort; Mellette; Northville; Redfield; Tulare; Turton
  • Stanley County — Fort Pierre
  • Sully County — Agar; Onida
  • Todd County — Mission; St. Francis
  • Tripp County — Colome; New Witten; Winner
  • Turner County — Centerville; Chancellor; Davis; Dolton; Hurley; Irene; Marion; Monroe; Parker; Viborg
  • Union County — Alcester; Beresford; Elk Point; Jefferson; North Sioux City
  • Walworth County — Akaska; Glenham; Java; Lowry; Mobridge; Selby
  • Yankton County — Gayville; Lesterville; Mission Hill; Utica; Volin
  • Ziebach County — Dupree

Auto and home insurance in South Dakota: FAQ

What is the minimum car insurance in South Dakota?

Liability of 25/50/25. Other required coverage: uninsured/underinsured motorist 25/50.

What is the average homeowners premium in South Dakota?

The NAIC reported a 2023 South Dakota HO-3 average of $1,614, 3rd highest of the ten states we cover; the countrywide average was $1,737.

Can I bundle auto and home in South Dakota?

Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.

Who regulates insurance in South Dakota?

The South Dakota Division of Insurance licenses insurers, handles complaints, and publishes consumer guides.

Sources

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Last updated October 15, 2026 · How we research