Vermillion, SD
Auto and home insurance in Vermillion, South Dakota
Commute, vehicle, and housing data for Vermillion, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Vermillion has about 11,877 residents in Clay County. 74% of its workers drive to work alone and 42% of households own their home, so most families here need both a car policy and a homeowners policy.
Vermillion driving profile
| Measure | Vermillion | South Dakota |
|---|---|---|
| Drive alone to work | 74% | 77% |
| Carpool | 5% | 8% |
| Work from home | 6% | 10% |
| Commute of 45 minutes or more | 9% | 7% |
| Commute under 15 minutes | 68% | 49% |
| Households with no vehicle | 7% | 5% |
| Households with 3 or more vehicles | 16% | 30% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Vermillion commutes are longer than the South Dakota norm, with 9% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Fewer Vermillion workers telecommute (6%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 16% of households in Vermillion have at least three vehicles (South Dakota: 30%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Vermillion
Homes in Vermillion carry a median value of $219,000 and a median construction year of 1978. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show South Dakota HO-3 policyholders with $200,000–$224,999 of dwelling coverage paying an average of $1,372; the all-amounts state average was $1,614.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Vermillion drivers
South Dakota requires liability limits of at least 25/50/25. Other required coverage: uninsured/underinsured motorist 25/50. Those are floors; with Vermillion's median home value at $219,000, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Vermillion household
With 42% of households owning their home, bundling is an option for most Vermillion families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Vermillion
Plan for blizzards and ground blizzards, along with severe hail. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Vermillion compared with nearby cities
Sioux Falls shows 11% working from home and a median home value of $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. For share of 45-minute-plus commutes, Vermillion is 2nd of 15 South Dakota cities on this site.
Vermillion quote checklist
- Roof age and material
- Vehicle year, make, model, and VIN
- Your Vermillion address, square footage, and year built
- Commute distance and typical yearly miles
- Current declarations pages for auto and home
- Drivers' names and dates of birth
Vermillion auto and home insurance FAQ
What auto insurance is required in Vermillion?
South Dakota requires liability of 25/50/25; uninsured/underinsured motorist 25/50.
How long are commutes in Vermillion?
About 9% of Vermillion workers commute 45 minutes or more and 68% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Vermillion?
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