Who Has the Cheapest Renters Insurance Quotes in South Dakota?

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Ryan Friend

September 11, 2019  •  5 min read

South Dakota might be more remote and open to development than most states, but that doesn’t mean there isn’t a large population of people renting apartments in the cities and towns that make up the great state. And while South Dakota is a peaceful place by most standards, there are still a few problems its residents need to look out for (fires, some crime, a few bad storms). For these reasons, we recommend people get renters insurance, effective and very cheap in South Dakota, to get some more peace of mind. To further that end, we also found the cheapest companies in the state.

Here are the four cheapest renters insurance providers operating in South Dakota:

The Four Cheapest Quotes:

We would like to note that the following information is based around averages and the general experience, and as such might differ from what you will find. We ask you to keep that in mind, perform more personalized research, and draw your own conclusions from any additional information you receive.

The number listed next to each provider is the average annual rate for a standard policy.

1) State Farm: $109

The cheapest provider in South Dakota and one of the cheapest providers in the country overall, State Farm is almost certainly your best choice if you’re looking for a basic plan or hoping to fulfill a requirement imposed by your landlord. Handling the standard set of disasters, fires, and crime, State Farm will be stable and will deal with any claim in a responsible and timely manner.

Yet cheap as they are, some customers might think they still aren’t worth it due to their poor record when it comes to customer service. Furthermore, their flooding and water damages coverages are not plans you can rely on (if you can get them at all). You’ll have to judge the risks that face your apartment and what a cheaper annual rate is worth to you.

You can expect the following working with State Farm:

  • A loss-of-use policy that blows most of the competition out of the water, and will make sure you don’t have to worry about where you’re going to stay.
  • A high level of expensive items coverage, as well as notable levels of electronics and business property coverage.
  • The ability to customize your plan and coverages (to a degree), and a somewhat customizable onboarding and signup process.

2) Allstate: $149 

Comparable to State Farm in most ways yet a bit more expensive, Allstate is a widespread and easy-to-access company that will almost certainly be able to provide insurance to your location (despite the fact that quite a few providers don’t bother with South Dakota). Another choice for anyone needing to get basic coverage or fulfill a requirement, they have few gaps and will let you rest comfortably each night. They are also a good pick for anyone seeking to bundle their plan with an auto insurance policy.

What you might not be able to get from them is consistently good customer service, as much like State Farm there is a long list of complaints going against them in that department. You might also not find yourself with too many customization options, which might be a problem if your apartment is unique or you have a more unique property makeup.

You can expect the following working with Allstate:

  • Optional coverages such as water damage coverage, identity theft restoration, additional business property coverage (great if you have a home business), and others.
  • Extremely competitive water damage and flooding plans, if you live near a body of water or in a flooding zone.
  • The use of intuitive online tools and services, making the online experience an easy one.

3) Farmers: $159

An option for people who value good customer service yet also want a great policy and a solid set of customization options, Farmers has a bit of something for everyone while still being affordable to most South Dakota renters. Whether you’re looking for a more nuanced policy that removes waste from the equation or simply want to be treated more like a human being, Farmers could be the right call for you.

Yet despite all their strengths, Farmers can take a while to get working for you, as some customers have complained about bureaucratic turnaround. You may also not be satisfied with certain default levels of coverage, so you will want to check and perhaps modify your policy first.

You can expect the following working with Farmers:

  • The ability to modify your deductible to affect your final annual rate or your out-of-pocket cost should you make a claim.
  • Options to modify your coverages for groups of items, helping you to make sure you get the perfect policy that matches what you own in your apartment.
  • Discounts for professionals such as teachers, police officers, doctors, and firefighters.

4) Esurance: $168

Another option if you’re looking for a less traditional providers or if you aren’t interested in the previously listed companies, Esurance is (as the name suggests) a company that is mostly dedicated to providing you with quality renters insurance coverage through an online platform, which might be just what you need if you are far away from the city and local agents. With them, you can get a plan that serves basic needs and gives you peace of mind no matter your circumstances.

You also might not be getting too much coverage for your money when compared with the previous options, which only works against them more consider their higher price tag. Additionally, Esurance plans tend to vary from region to region, so be careful to read the fine print.

You can expect the following working with Esurance:

  • Different insurance options so you can get exactly what you need.
  • Optional coverages including sewage and drain backup damage, replacement cost coverage, and earthquake coverage.
  • An incredibly easy-to-use and intuitive website, as you would expect.


It’s both easy and extremely cheap to get a renters insurance policy in South Dakota, which means there is no reason you shouldn’t look into getting one today. Just because there might be fewer risks doesn’t mean the damage is any less significant should a fire or other disasters occur in your area. We want to make sure that you have a backup plan, and we hope that the above information helps you get one. All the process takes is a few hours of your time, so please start taking notes as soon as you can.