Average renters insurance cost in South Dakota
South Dakota sits in the affordable half of the country at #26 of 50, about 9% below the national average of $23 a month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
How South Dakota compares with its neighbors
| State | Monthly rate | Difference vs SD |
|---|---|---|
| South Dakota | $21 | — |
| North Dakota | $16 | −$5/mo |
| Nebraska | $21 | +$0/mo |
| Minnesota | $20 | −$1/mo |
| Wyoming | $16 | −$5/mo |
South Dakota renters insurance FAQ
How much is renters insurance in South Dakota?
Renters insurance in South Dakota averages $21 per month — about $252 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.
Is renters insurance required in South Dakota?
No state law requires renters insurance in South Dakota — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $21 a month.
How can I pay less than $21/month in South Dakota?
Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.