Country Guide
Best Home Insurance in South Dakota (2026)
South Dakota homeowners face hail and severe winter storms. Compare top carriers for comprehensive SD coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in South Dakota
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Storm coverage | $1,980/yr | — |
| 2 | USAA | Military families | $1,620/yr | — |
| 3 | American Family | Midwest coverage | $2,100/yr | — |
| 4 | Farmers | Farm properties | $2,220/yr | — |
| 5 | Nodak Mutual | Regional carrier | $1,860/yr | — |