Renters and home insurance rates in South Dakota
The NAIC's published average premiums for South Dakota by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $129
- average homeowners premium (HO-3), per year
- $1,756
- renter households
- 112,447
By county
By county
| Minnehaha County | 30,066 | $954 | $266,600 |
|---|---|---|---|
| Pennington County | 14,130 | $1,066 | $270,400 |
| Lincoln County | 7,465 | $1,237 | $323,500 |
| Brown County | 5,611 | $794 | $212,900 |
| Brookings County | 5,549 | $874 | $246,300 |
| Lawrence County | 4,267 | $923 | $310,800 |
| Codington County | 4,029 | $901 | $218,000 |
| Davison County | 3,221 | $750 | $190,000 |
| Meade County | 3,220 | $1,150 | $274,800 |
| Yankton County | 2,716 | $777 | $208,200 |
| Clay County | 2,683 | $736 | $221,800 |
| Beadle County | 2,228 | $834 | $178,400 |
| Union County | 2,047 | $1,055 | $269,500 |
| Hughes County | 1,816 | $930 | $221,100 |
| Todd County | 1,363 | $537 | $45,200 |
| Lake County | 1,323 | $868 | $231,000 |
| Oglala Lakota County | 1,270 | $563 | $45,600 |
| Roberts County | 1,118 | $656 | $139,100 |
| Fall River County | 852 | $866 | $176,300 |
| Butte County | 825 | $940 | $207,700 |
| Charles Mix County | 785 | $727 | $169,200 |
| Turner County | 744 | $745 | $199,000 |
| Moody County | 728 | $723 | $206,300 |
| Tripp County | 661 | $809 | $137,100 |
| Dewey County | 648 | $714 | $75,400 |
| Hutchinson County | 640 | $714 | $160,500 |
| Walworth County | 617 | $962 | $130,000 |
| Spink County | 611 | $691 | $117,400 |
| Custer County | 582 | $1,117 | $327,200 |
| Day County | 567 | $623 | $155,100 |
| Grant County | 550 | $668 | $179,400 |
| Brule County | 531 | $700 | $205,500 |
| Bon Homme County | 524 | $620 | $120,300 |
| Hand County | 492 | $553 | $152,100 |
| Corson County | 439 | $473 | $73,800 |
| Bennett County | 433 | $616 | $138,600 |
| McCook County | 404 | $750 | $217,300 |
| Hamlin County | 403 | $769 | $207,700 |
| Kingsbury County | 378 | $725 | $159,600 |
| Gregory County | 354 | $614 | $129,000 |
| Deuel County | 349 | $668 | $180,100 |
| Ziebach County | 334 | $715 | $101,700 |
| Lyman County | 329 | $603 | $156,500 |
| Marshall County | 327 | $743 | $147,200 |
| Edmunds County | 303 | $881 | $163,600 |
| Jackson County | 290 | $460 | $111,500 |
| Perkins County | 264 | $703 | $105,900 |
| Stanley County | 263 | $896 | $169,900 |
| Douglas County | 249 | $864 | $125,000 |
| Mellette County | 247 | $737 | $63,000 |
| Aurora County | 246 | $739 | $129,000 |
| Buffalo County | 235 | $535 | $108,000 |
| Clark County | 234 | $709 | $141,900 |
| Potter County | 216 | $869 | $121,300 |
| Sanborn County | 208 | $717 | $138,500 |
| McPherson County | 170 | $580 | $78,400 |
| Miner County | 162 | $563 | $114,100 |
| Campbell County | 154 | $635 | $87,900 |
| Faulk County | 151 | $692 | $124,100 |
| Sully County | 149 | $913 | $198,700 |
| Hanson County | 129 | $733 | $192,400 |
| Jerauld County | 125 | $565 | $127,000 |
| Haakon County | 121 | $688 | $153,200 |
| Harding County | 113 | $478 | $156,400 |
| Hyde County | 95 | $921 | $134,500 |
| Jones County | 94 | $544 | $117,100 |
Download the South Dakota county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
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The average annual renters insurance premium in South Dakota was $129 in 2022, across 112,447 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: South Dakota", updated 2026-08-17, https://homecoverhq.com/rates/south-dakota/.