Home insurance cost in South Dakota
About $3,965 a year, or $330 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$3,965
a year
A month
$330
Rank
43 of 51
1 = cheapest; +59% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Missouri | $3,805 | 41 |
| Colorado | $3,910 | 42 |
| South Dakota | $3,965 | 43 |
| Tennessee | $4,220 | 44 |
| Alabama | $4,285 | 45 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in South Dakota?
About $3,965 a year, or $330 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in South Dakota expensive?
South Dakota ranks 43 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for South Dakota: monthly budget · take-home pay · rent.