Updated: December 19, 2024
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In Sioux Falls, South Dakota, Auto-Owners Insurance is both the overall best and cheapest option for home insurance. Even when customer service is your priority, Auto-Owners Insurance is still the top choice.
Different companies cater to different needs and choosing the right home insurance depends on individual factors like costs, coverage options and service quality.
Best HomeInsuranceSioux Falls, SDTable of Contents
Why Trust MoneyGeek? We used data from South Dakota's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Sioux Falls.
As of September 2024, the rates for home insurance in Sioux Falls mirror the most competitive quotes available.
MoneyGeek found that Auto-Owners Insurance is the best option in Sioux Falls, S.D., for home insurance with $100K dwelling coverage, earning a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in Sioux Falls range from 39 to 99. These figures reflect MoneyGeek's scoring system, where insurers might get different scores based on factors like your credit history or the age of your home.
| Auto-Owners Insurance | 99 | $1,017 |
| State Farm | 80 | $1,572 |
| Nationwide | 69 | $1,770 |
| Farmers | 64 | $1,878 |
| American Family | 63 | $2,484 |
| Allstate | 63 | $1,552 |
| Farm Bureau | 39 | $2,805 |
MoneyGeek found that Auto-Owners Insurance is the best option in Sioux Falls, S.D., for $100K dwelling coverage. The two best overall home insurance companies in Sioux Falls for $100K dwelling coverage are:
Auto-Owners Insurance distinguishes itself as the best home insurance provider because it excels in affordability and customer satisfaction and offers comprehensive coverage options, contributing significantly to its high MoneyGeek score.
In Sioux Falls, S.D., you'll find a range of companies with varying costs and services. While cost is a key factor, it's also wise to consider customer service and claim support, which become vital when you need assistance.
Auto-Owners Insurance scores high in affordability and customer satisfaction, making it a top choice. It offers comprehensive home insurance with guaranteed replacement costs and personal property replacement costs. You can also save with discounts like responsible payment and paperless billing; paying on time for 36 months can qualify you for a discount.
Auto-Owners Insurance provides useful coverages like equipment breakdown, which covers failures of home appliances. The personal property replacement cost helps if your belongings are damaged. The guaranteed replacement cost ensures your home is fully covered if your policy limit is too low. These coverages offer valuable protection for homeowners.
MoneyGeek found that Auto-Owners Insurance provides the best customer service in home insurance in Sioux Falls, South Dakota, for $100K dwelling coverage.
Auto-Owners Insurance stands out for its top-tier customer satisfaction and comprehensive coverage options. These factors contribute significantly to its high MoneyGeek score. Choosing Auto-Owners Insurance means you receive excellent service and competitive pricing.
Great service involves responsive customer support and reliable coverage options tailored to your needs.
Auto-Owners Insurance has high affordability and customer satisfaction scores, making it the best choice. It offers comprehensive home insurance with guaranteed replacement costs and personal property replacement costs. It also offers discounts like responsible payment and paperless billing. Paying on time for 36 months can qualify you for a discount.
Auto-Owners Insurance provides useful coverages like equipment breakdown, which covers failures of home appliances. The personal property replacement cost protects against appliance leaks and power failures. The guaranteed replacement cost ensures your home is fully covered if your policy limit is too low. These coverages are valuable for homeowners.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance company in Sioux Falls, S.D., for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Auto-Owners Insurance stands out with high affordability and customer satisfaction scores. While cheap home insurance can save money, it often means lower coverage, which might not be enough if an accident occurs. In some cases, considering the cheapest homeowner insurance companies could be beneficial if saving on premiums is important.
The best cheap option differs from just being the cheapest by offering balanced coverage and customer satisfaction, not just low premiums. As a bonus, Auto-Owners Insurance is both the cheapest and best cheap option.
Auto-Owners Insurance scores high on affordability and customer satisfaction. It offers comprehensive home insurance with guaranteed replacement cost and equipment breakdown coverages. You can save with discounts like responsible payment, which you get by paying on time for at least 36 months.
Auto-Owners provides useful coverages like personal property replacement cost, which helps if your things are damaged. Building ordinance or law coverage pays to keep your home up to code. Equipment breakdown covers failures of home appliances. These coverages help protect your home and belongings.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Many factors affect homeowners insurance in Sioux Falls, with location being one. Comparing rates is the best way to save, but it can take up to 15 minutes per company, and comparing three or more can mean over an hour of research.
MoneyGeek's home insurance calculator helps you streamline this process. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other factors for a rate estimate.
MoneyGeek found that Auto-Owners Insurance offers the best home insurance option in Sioux Falls, S.D. The most important factor in determining home insurance premiums is the dwelling coverage you select. The cheapest providers for different coverages are:
Auto-Owners Insurance stands out in Sioux Falls, S.D., for its affordable cost and MoneyGeek score of 99.
Buying the cheapest homeowners insurance in South Dakota can help you manage your finances effectively by offering necessary protection without spending much money.
| Auto-Owners Insurance | $1,017 |
| Allstate | $1,552 |
| State Farm | $1,572 |
| Nationwide | $1,770 |
| Farmers | $1,878 |
| American Family | $2,484 |
| Farm Bureau | $2,805 |
Auto-Owners Insurance is the best option for high-value home insurance in Sioux Falls, S.D. High dwelling coverage, such as $750K, is essential for homes that are expensive to replace, impacting home insurance costs.
Auto-Owners Insurance stands out as the most affordable option for high-value homes in Sioux Falls based on yearly costs. It ranks high, indicating good value and coverage.
| Auto-Owners Insurance | $4,045 |
| Farmers | $6,202 |
| State Farm | $6,512 |
| Allstate | $7,504 |
| Nationwide | $8,574 |
| American Family | $9,668 |
| Farm Bureau | $15,334 |
Nationwide stands out as the cheapest provider of dwelling coverage for new homes in Sioux Falls, South Dakota.
Nationwide is the most affordable option for new homeowners in Sioux Falls based on its low cost, though it may not be the best choice according to other factors. Ensure you are adequately covered when choosing a policy.
| Nationwide | $452 |
| Auto-Owners Insurance | $692 |
| Allstate | $704 |
| American Family | $924 |
| State Farm | $941 |
| Farmers | $1,405 |
| Farm Bureau | $1,480 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in Sioux Falls depends on your needs.
Consider factors beyond premiums, like coverage options and deductible amounts.
To determine how much home insurance coverage you need, consider the specifics of your home, including rebuilding costs, personal property value and liability needs.
Research insurance companies in Sioux Falls, S.D. Look for those with strong financial stability and good customer reviews.
Once you know what coverages you need, compare home insurance quotes. For a $100K dwelling in Sioux Falls, S.D., premiums can range from $1,017 to $2,484 annually.
Inquire with each provider about available discounts, such as those for bundling policies or installing safety features.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford.
Enhancing home security with systems and strong locks can lower your risk profile and potentially reduce insurance costs.
Keep a good credit score, as it can impact your insurance rates in Sioux Falls, S.D. Pay bills on time and manage debt wisely.
Consider combining your homeowners insurance with other policies like auto insurance for potential savings.
The best cheap home insurance provider for you in Sioux Falls depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about best cheap insurance rates in Sioux Falls, S.D.
The average annual cost of home insurance in Sioux Falls is $1,350, which is lower than the average cost of homeowners insurance in South Dakota.
The cheapest home insurance company in Sioux Falls is Auto-Owners Insurance, with an annual premium of $1,017.
The best home insurance in South Dakota for Sioux Falls residents is provided by Auto-Owners Insurance, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
