In South Dakota, for women, the top life insurance provider is Nationwide with a MoneyGeek score of 96 and a monthly premium of $30. For men, the leading company is also Nationwide, with a MoneyGeek score of 97 and a monthly premium of $32. The choice of life insurance is affected by factors such as customer satisfaction, affordability and product diversity.
Best Life Insurance in South Dakota (November 2024)
In South Dakota, Nationwide provides the best life insurance for women and men, with respective scores of 96 and 97.
Updated: November 22, 2024
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Best Life Insurance Companies in South Dakota
Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in South Dakota.
Coverage costs and company information for life insurance providers were updated in March 2024.
Best Life Insurance in South Dakota: Summary
- Best Whole Life Insurance
- Best Universal Life Insurance
- Best Cheap Life Insurance
- Best Life Insurance Overall
- Best Term Life Insurance
- Best Term Life Insurance for Smokers
- Best Term Life Insurance for Young Adults
- Best Term Life Insurance for Seniors
- Best No Medical Exam Life Insurance
- F
- M
Nationwide | 1 | 97 |
GEICO | 2 | 96 |
Mutual of Omaha | 3 | 95 |
Protective | 4 | 95 |
Haven | 5 | 95 |
Allstate | 6 | 94 |
State Farm | 7 | 94 |
Transamerica | 8 | 93 |
Prudential | 9 | 92 |
AAA | 10 | 92 |
American Family Insurance | 11 | 91 |
Overall Best Life Insurance in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies in South Dakota:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Nationwide is the best life insurance company in South Dakota for both men and women, with respectgive MoneyGeek scores of 97 for men and 96 for women. Men can expect to pay a monthly premium of $32, while women have a slightly lower premium at $30 per month.
The top three life insurance companies in South Dakota are:
- Nationwide: MoneyGeek score of 97 out of 100 ($30 per month for women; $32 per month for men)
- GEICO: MoneyGeek score of 96 out of 100 ($25 per month for women and men)
- Mutual of Omaha: MoneyGeek score of 95 out of 100 ($28 per month for women; $31 per month for men)
Overall Best for Men: Nationwide
COMPANY HIGHLIGHTS
Nationwide provides the best life insurance in South Dakota for men, with a MoneyGeek score of 97 and an affordable monthly premium of $32.
Pros:
- High customer satisfaction
- Competitive pricing
- Diverse product options
Overall Best for Women: Nationwide
COMPANY HIGHLIGHTS
Nationwide is the top choice for women looking for the best life insurance in South Dakota, with an overall MoneyGeek Score of 96 and a monthly premium of $30.
Pros:
- High customer satisfaction ratings
- Diverse range of product options
- Streamlined buying process
Best Term Life Insurance in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in South Dakota:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Costs are based on quotes gathered for a $250,000 life insurance policy with a 10-year term.
Nationwide is the top provider for the best term life insurance in South Dakota, garnering the highest MoneyGeek score for both men and women. For men, Nationwide has a score of 97, with a monthly premium of $23, while for women, the score is 97 with a monthly premium of $22.
The top three companies with the highest MoneyGeek scores are:
- Nationwide: MoneyGeek score of 97 out of 100 ($22 per month for women; $23 per month for men)
- GEICO: MoneyGeek score of 96 out of 100 ($19 per month for women and men)
- Haven: MoneyGeek score of 95 out of 100 ($16 per month for women; $17 per month for men)
Best Term Life: Nationwide
COMPANY HIGHLIGHTS
Nationwide provides the best term life insurance in South Dakota for both men and women, with a MoneyGeek score of 97 and a monthly premium of $23.
Pros:
- High customer satisfaction
- Competitive pricing
- Wide range of insurance products
Best Whole Life Insurance in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies in South Dakota:
- Financial Stability: 35%
- Customer Satisfaction: 30%
- Buying Process: 15%
- Product Diversity: 20%
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies.
State Farm stands is the leading provider of the best whole life insurance in South Dakota, with a MoneyGeek score of 99 out of 100.
Our top three rankings for South Dakota are:
- State Farm: MoneyGeek score of 99 out of 100
- Nationwide: MoneyGeek score of 98 out of 100
- American Family Insurance: MoneyGeek score of 96 out of 100
Best Whole Life: State Farm
COMPANY HIGHLIGHTS
State Farm provides the best whole life insurance in South Dakota. With a MoneyGeek score of 99, its reputation for excellence and commitment to customer satisfaction ensures that policyholders are making a secure and reliable choice.
Pros:
- Excellent customer satisfaction
- Offers a diverse range of products
- Financially stable and reliable
Compare Life Insurance Rates
Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.
Best Universal Life Insurance in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies in South Dakota:
- Financial Stability: 25%
- Customer Satisfaction: 25%
- Buying Process: 25%
- Product Diversity: 25%
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies.
Nationwide provides the best universal life insurance in South Dakota, with a MoneyGeek score of 99.
The companies with the top three MoneyGeek scores are:
- Nationwide: MoneyGeek score of 99 out of 100
- State Farm: MoneyGeek score of 98 out of 100
- American Family Insurance: MoneyGeek score of 97 out of 100
Best Universal Life: Nationwide
COMPANY HIGHLIGHTS
Nationwide offers the best universal life insurance in South Dakota. With a MoneyGeek score of 99, Nationwide exemplifies superior service and robust policy options, ensuring comprehensive coverage.
Pros:
- Exemplary customer satisfaction
- Diverse range of products
Best No-Medical-Exam Life Insurance in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best no-medical-exam life insurance companies in South Dakota:
- Financial Stability: 20%
- Customer Satisfaction: 25%
- Buying Process: 20%
- Product Diversity: 35%
We did not weigh affordability because we did not collect no medical life insurance quotes. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams.
Nationwide best no-medical-exam life insurance provider in South Dakota for both men and women, with a MoneyGeek score of 99. This score reflects its high financial stability and customer satisfaction.
The providers with the highest MoneyGeek scores are:
- Nationwide: MoneyGeek score of 99 out of 100
- State Farm: MoneyGeek score of 99 out of 100
- American Family Insurance: MoneyGeek score of 98 out of 100
Best No-Medical-Exam: Nationwide
COMPANY HIGHLIGHTS
The leading provider of no-medical-exam life insurance in South Dakota, Nationwide, has a MoneyGeek score of 99. The company is renowned for its customer-focused approach.
Pros:
- High customer satisfaction
- Diverse product offerings
Recommended Life Insurance Coverage Amount:
Best Term Life Insurance for Seniors in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors in South Dakota:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the persona for the quote was adjusted to reflect an age of 70 for a more accurate estimate.
Nationwide is the best term life insurance provider for seniors in South Dakota. For men, Nationwide's MoneyGeek score is 98, with an estimated monthly premium of $86. For women, it achieves a score of 98 with monthly premiums around $83. Nationwide distinguishes itself with high satisfaction, financial stability and product diversity scores.
- M
- F
Nationwide | 1 | $86 | 98 |
GEICO | 2 | $84 | 96 |
Haven | 3 | $78 | 95 |
Mutual of Omaha | 4 | $102 | 95 |
Protective | 5 | $87 | 95 |
Allstate | 6 | $79 | 94 |
Prudential | 7 | $101 | 93 |
Transamerica | 8 | $90 | 93 |
State Farm | 9 | $154 | 93 |
AAA | 10 | $119 | 91 |
Best Term Life Insurance for Smokers in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in South Dakota for people who smoke:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the persona for the quote was adjusted to reflect an active smoker for a more accurate estimate.
Two companies provide the best term life insurance for smokers in South Dakota. For men, it is Nationwide, with a MoneyGeek score of 96 and a monthly premium of $55. Prudential takes the top spot for women smokers in South Dakota with a MoneyGeek Score of 95 and a monthly premium of $34. These companies distinguish themselves by excelling in customer satisfaction and process scores.
- F
- M
Nationwide | 1 | $55 | 96 |
GEICO | 2 | $47 | 95 |
Haven | 3 | $40 | 95 |
Prudential | 4 | $45 | 94 |
Mutual of Omaha | 5 | $56 | 94 |
State Farm | 6 | $74 | 94 |
Transamerica | 7 | $50 | 92 |
AAA | 8 | $60 | 91 |
Protective | 9 | $81 | 90 |
Allstate | 10 | $78 | 89 |
Best Term Life Insurance for Young Adults in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in South Dakota for young adults:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the persona for the quote was adjusted to reflect an age of 20 for a more accurate estimate.
Nationwide provides the best term life insurance for young adults in South Dakota, with a MoneyGeek score of 97 for men and 96 for women. Men can expect to pay a monthly premium of $15, while women will find premiums at about $14. Its high scores are due to its dedication to customer satisfaction and an optimal balance between cost-effectiveness and reliability.
- F
- M
Nationwide | 1 | $15 | 97 |
GEICO | 2 | $12 | 96 |
Mutual of Omaha | 3 | $15 | 95 |
Haven | 3 | $10 | 95 |
Protective | 5 | $12 | 95 |
State Farm | 6 | $25 | 94 |
Allstate | 7 | $12 | 93 |
Transamerica | 8 | $13 | 93 |
AAA | 9 | $17 | 92 |
Prudential | 10 | $20 | 91 |
Bestow | 11 | $28 | 89 |
Best Cheap Term Life Insurance in South Dakota
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies in South Dakota:
- Affordability: 50%
- Financial Stability: 15%
- Buying Process: 20%
- Customer Satisfaction: 5%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the quote was adjusted to reflect a 10-year term with minimum coverage.
Nationwide provides the best cheap term life insurance in South Dakota for both men and women, with a MoneyGeek score of 96 for men and 96 for women, with monthly premiums of $23 and $22, respectively. These high scores are due to its strong customer satisfaction and financial stability, as well as its competitive rates and reliable service.
- M
- F
Nationwide | $23 | 96 |
Allstate | $19 | 95 |
Haven | $17 | 95 |
GEICO | $19 | 95 |
Protective | $20 | 95 |
Transamerica | $21 | 94 |
Mutual of Omaha | $24 | 94 |
AAA | $28 | 91 |
Prudential | $30 | 89 |
State Farm | $40 | 89 |
Average Cost of Term Life Insurance in South Dakota
The average monthly premium for life insurance in South Dakota for women and men is $56 and $66, respectively. These costs reflect the average cost of life insurance and are influenced by several factors including age, health status, coverage amount and term length of the policy. Smokers may face higher premiums, and those who opt for longer coverage terms or higher coverage amounts can expect increased costs.
FAQ: Life Insurance in South Dakota
The top life insurance in South Dakota for men is provided by Nationwide.
The cost of life insurance in South Dakota for men can be influenced by factors like age, health, and coverage amount. Nationwide offers the best life insurance at a competitive monthly premium of $32.
The best life insurance in South Dakota for women is offered by Nationwide.
The cost of life insurance for women in South Dakota can vary based on age, health and coverage amount. For the highest-rated company, Nationwide, the average monthly premium is $30.
About Mark Fitzpatrick
Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.
Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.