Renters Insurance Cost in South Dakota (2026 Average)
South Dakota renters paid about $130 a year on average in the NAIC 2021 baseline, about $40 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives South Dakota renters insurance costs
South Dakota renters paid about $130 a year on average in the NAIC 2021 baseline, about $40 less than the $170 US average.
Weather exposure is a major driver here: severe storms, hail, and winter weather are common.
Claim frequency and litigation also matter: claim frequency is moderate, mostly weather-driven.
Replacement costs and carrier competition round out the picture: replacement costs are modest, and a thin carrier market keeps the average near the national figure.
How South Dakota compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| South Dakota | $130 | −$40 |
| United States (national average) | $170 | baseline |
| North Dakota | $117 | −$53 |
| Minnesota | $139 | −$31 |
| Nebraska | $150 | −$20 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.