Renters Insurance

Who Has The Cheapest Renters Insurance in South Dakota?

Who Has The Cheapest Renters Insurance in South Dakota?

South Dakota renters can find cheap insurance from Allstate, where a policy costs $11 per month, or $130 per year.

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Amica, Farmers and Nationwide also offer coverage for around $11 per month, so renters shouldn't make a decision based on cost alone. It's important to choose an insurance company with dependable customer service and the right coverage options to protect you and your belongings.

We collected over 100 quotes across the state to find the best renters insurance in South Dakota.


Cheapest renters insurance in South Dakota

Most major insurance companies in South Dakota offer cheap renters insurance quotes. The lowest prices can be found at Allstate. On average, a policy from Allstate costs $130 per year, or $11 per month. That's 8% cheaper than the average cost in South Dakota.

The average cost of renters insurance in South Dakota is $12 per month, or $140 per year.

Coverage from Amica, Farmers and Nationwide is slightly more expensive than coverage from Allstate — $5 per year, at most. That works out to a difference of less than $1 per month.

Bar chart comparing the most affordable options for renters insurance in South Dakota

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Travelers is the only major company with much higher rates. Renters insurance from Travelers costs an average of $174 per year — $34 per year more than the South Dakota average.

Monthly cost
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Best renters insurance for most people: Amica

Amica offers affordable rates along with great customer service for South Dakota renters.

Read our full review.

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The good:

  • Cheap quotes
  • Reliable customer service
  • Lots of discounts

The bad:

  • Average coverage options

Amica is the best insurance company for most renters in South Dakota. Its great prices for coverage and dependable customer service set it apart from other insurers.

Renters insurance from Amica is very affordable at $11 per month, on average. That's 8% cheaper than average in South Dakota and only $1 per year more expensive than the cheapest option, Allstate.

Renters can get an even better rate from Amica by qualifying for one of its many discounts. You can get a discount by signing up for automatic payments, receiving your bills via email or insuring your car with Amica.

We were impressed with Amica's customer service, too. It receives very few complaints compared to other insurers of a similar size, according to the National Association of Insurance Commissioners (NAIC). That means renters can count on Amica to help them get their life back to normal quickly after an emergency.

Coverage from Amica includes the basic protections you would expect from a renters insurance policy. It gives renters the ability to add coverage for identity theft or valuable items, or upgrade to replacement cost coverage.

While this is usually enough coverage for most renters, people looking for protection against backed-up plumbing may want to choose another insurer.

Best for minimum coverage limits: Farmers

Farmers has the lowest coverage limits, so it's a good fit for people who don't own a lot of stuff.

Read our full review.

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The good:

  • Inexpensive rates
  • Low coverage limits
  • Numerous discounts

The bad:

  • Average customer service

Renters who need a policy but need very little coverage save money with Farmers. The average price for renters insurance from Farmers is $11 per month, or $132 per year.

However, this price is based on $30,000 of personal property coverage. If you don't own much property, you can reduce that limit and pay much less for your renters insurance. Farmers renters insurance policies let you choose limits as low as $4,000.

Farmers gives renters lots of opportunities to qualify for discounts, too. Some of the discounts available from Farmers are:

  • Claim-free discount
  • Good payer discount
  • Home security discount
  • Multipolicy discount
  • Nonsmoker discount
  • Professional discount

The customer service experience at Farmers is unremarkable. The company receives fewer complaints than other insurers based on its size, according to the NAIC. However, it earned a below-average score on J.D. Power's customer satisfaction survey. That means renters generally aren't thrilled with the service they receive from Farmers.

Best for extra coverage options: Nationwide

Nationwide offers low-cost renters insurance, along with a number of ways to increase your protection.

Read our full review.

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The good:

  • Affordable quotes
  • Customizable coverage

The bad:

  • Not many discounts

Nationwide is the best renters insurance company for South Dakotans who want more protection than a standard policy offers. Basic coverage from Nationwide costs an average of $11 per month, or $135 per year. That's only $5 per year more expensive than the cheapest company, Allstate.

Nationwide offers lots of ways for renters in South Dakota to upgrade their coverage. Like many top insurers, Nationwide gives renters the option to add identity theft protection, extra coverage for valuable items and replacement cost coverage. Renters can also purchase water backup coverage, which protects your things against damage from backed-up plumbing or sewers, or a broken sump pump.

Although the cost of insurance from Nationwide is cheaper than average, the company doesn't offer many discounts. You can get a lower price if your home has a security system or you purchase car insurance from Nationwide. However, you can't save money by making automatic payments or receiving e-statements.

South Dakota renters insurance costs by city

Renters living in Dakota Dunes pay the highest renters insurance rates in South Dakota, while the cheapest insurance coverage can be found in Huron and Tea.

Renters insurance rates across South Dakota's largest cities are very consistent. The cost of coverage in the most expensive city, Dakota Dunes, is around $13 per month. That's only $2 a month more expensive than the cheapest cities, Huron and Tea, where a policy costs $11 per month, on average.

Average annual cost
Difference from state average (%)
Belle Fourche$1410%
Box Elder$1453%
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Best-rated renters insurance in South Dakota

Renters in South Dakota can find the best customer service with Amica.

Our ValuePenguin editors gave Amica a high score based on its customer service reviews, its coverage availability and the overall value it provides South Dakota renters. In addition, the company only receives 12% as many complaints as competitors of a similar size, according to the NAIC. That means renters can count on Amica to provide a stress-free claims process.


Reliable customer service is an important feature to look for in a renters insurance company. Good customer service will help you get your questions answered while buying a policy and help ensure you're compensated fairly and quickly after a loss.

What does renters insurance cover in South Dakota?

Most major companies offer the following basic renters insurance coverage options. If you come across an insurer that doesn't offer all of them, you should consider another option for renters insurance.

  • Personal property coverage
  • Liability coverage
  • Additional living expenses
  • Medical payments coverage

In addition, many companies offer extra coverage options that you can add to your basic policy for an additional cost. Some of the most popular coverage add-ons are:

  • Replacement cost coverage: Pays for the full cost to replace an item that's been destroyed or damaged, without factoring in wear and tear.
  • Valuable items coverage: Increases your limits for high-value items like jewelry or electronics, which typically have limited coverage.
  • Extended liability coverage: Increases your liability limits beyond what's usually available from an insurer.

Frequently asked questions

How much is renters insurance in South Dakota?

The average cost of renters insurance in South Dakota is $12 per month. Renters can find cheaper coverage from Allstate, Amica, Farmers and Nationwide.

Is renters insurance required in South Dakota?

Renters insurance is not legally required in South Dakota. However, your property management company or landlord may require you to buy a policy as part of your lease agreement.

How much does renters insurance cost in Sioux Falls?

Renters insurance in Sioux Falls costs around $139 per year, which is $1 per year cheaper than the South Dakota state average. In comparison, renters living in Rapid City can expect to pay $146 per year for coverage.


When evaluating renters insurance companies in South Dakota, we considered three main factors:

  • Affordability: Does the company offer affordable rates compared to other insurers?
  • Coverage options: Does the insurer offer a range of useful coverage options?
  • Customer service: Are customers generally satisfied with the service they receive?

To find the cheapest quotes for renters insurance in South Dakota, we collected rates from five top companies in 25 major cities across the state. In all quotes, our sample renter is a 25-year-old man who lives by himself and hasn't made any recent renters insurance claims.

Quotes are based on the following coverage limits:

  • Personal property coverage: $30,000
  • Liability coverage: $100,000
  • Medical payments coverage: $1,000
  • Deductible: $500

To evaluate customer service among renters insurance companies in South Dakota, we look at three key metrics:

  • NAIC complaint index: This score compares the size of an insurer with the number of complaints it's received.
  • J.D. Power rankings: This score is based on a national survey of renters insurance customers asking how satisfied they are with their renters insurance company.
  • ValuePenguin editor's rating: This score is based on customer service reviews, coverage offered and the overall value the insurer provides.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.