Renters Insurance in South Dakota — Average Cost 2026
Average renters insurance in South Dakota: $185/year ($15/month). South Dakota ranks #3 out of 51 states — below the national average.
Average annual
$185
Average monthly
$15
National rank
#3
of 51 states
vs national avg
-29.7%
South Dakota vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Renters insurance in South Dakota
Renters in South Dakota pay approximately 30% below the national average for renters insurance. At just $15/month for most renters, this is one of the most cost-effective types of insurance available. It covers personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable.
Most renters insurance policies include $100,000 in personal liability coverage — protection if a guest is injured in your apartment or if you accidentally damage a neighbor's property. Adding renters insurance to an existing auto policy typically triggers a bundling discount that can offset part of the cost.