Brookings, SD
Auto and home insurance in Brookings, South Dakota
Commute, vehicle, and housing data for Brookings, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Brookings (24,555 people), 73% of workers commute by driving alone, compared with 77% across South Dakota. Homeownership runs at 48%.
Cars, commutes, and households in Brookings
| Measure | Brookings | South Dakota |
|---|---|---|
| Drive alone to work | 73% | 77% |
| Carpool | 10% | 8% |
| Work from home | 10% | 10% |
| Commute of 45 minutes or more | 4% | 7% |
| Commute under 15 minutes | 75% | 49% |
| Households with no vehicle | 7% | 5% |
| Households with 3 or more vehicles | 23% | 30% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are shorter in Brookings than statewide: 4% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
With 10% of Brookings workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
23% of Brookings households keep three or more vehicles, and 7% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Brookings homeowners picture
Census figures put Brookings's median home value at $265,500 (South Dakota: $257,400) and its median year built at 1986. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in South Dakota was $1,390 for homes insured in the $250,000–$274,999 range, and $1,614 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
South Dakota auto minimums that apply in Brookings
South Dakota requires liability limits of at least 25/50/25. Other required coverage: uninsured/underinsured motorist 25/50. Those are floors; with Brookings's median home value at $265,500, most homeowners choose much higher liability limits to protect their equity.
Should Brookings homeowners bundle?
A bundle can simplify life in Brookings: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Brookings
Insurers in South Dakota price for severe hail and deer collisions. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
How Brookings compares in South Dakota
Sioux Falls: 78% drive alone, 4% commute 45+ minutes, median home $292,400. Rapid City shows 10% working from home and a median home value of $299,400. Aberdeen: 79% drive alone, 3% commute 45+ minutes, median home $217,300. Brookings ranks 12th for long commutes among the 15 South Dakota cities we profile.
Gathering details for a Brookings auto and home quote
- Everyone in the household who drives
- When the roof was replaced
- Home details: size, age, construction
- Current declarations pages for auto and home
- VINs from registrations or the dashboard
- Recent claims or violations
Questions from Brookings drivers and homeowners
What are the minimum car insurance limits for Brookings drivers?
South Dakota requires liability of 25/50/25; uninsured/underinsured motorist 25/50.
Do Brookings drivers have long commutes?
About 4% of Brookings workers commute 45 minutes or more and 75% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Brookings?
There is no single price. As context, South Dakota HO-3 policies averaged $1,614 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research