Rapid City Insurance Rates:

Rapid City, SD homeowners insurance is roughly $573 to $775, about $47-$64/month. Our extensive guide shows customers can save upto $269 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Esurance
Their policy offerings were within reason compared to others. The mean around the area I live in was roughly 200$ more per year than this one but within reason as compared to very low offers from smaller firms.
State Farm
To be honest I just don't make recommendations for products. I think they would have to go above and beyond for me to want to do that.
Farm Bureau
Premium is very reasonable as well as the deductibles. I shopped around quite a bit and same deductibles.
State Farm
I would recommend State Farm insurance to my family or friends. They provide good customer service. They will take care of you when you needed them.
State Farm
I would recommend this home insurance because it has the best rates compared to all the other companies. They protect a lot more in your home and still have an affordable price. Also, their customer service is superb.
Allstate
I am completed satisfied with my home insurance. I've never had any issues with my home insurance and it's worked for me these past years.
Travelers
I purchased Travelers insurance based off the recommendation of my broker. They seem to offer all the standard homeowners things, like wind protection, hail, and interior possession coverages.
Progressive
I would recommend this company solely based on our experience when we were without power, we had power lines down, and things ripped off of our house. They made our family feel like family.
Farm Bureau
We havent shopped around for home insurance but it seems to be about the same as all the rest of the options we have seen. we are satisfied.
Farmer's Insurance
it is good, when it compared to other companies, we can find the best and cheap plans here. it is always good to have
Geico
I would definitely recommend Geico home insurance to friends and family because of their great customer service and lower deductible and lower rates.
Allstate
I enjoy the offers that they give me to change my plan. every month they send me different advancements i can access to upgrade my plan.
Allstate
Customer service was not good. when i call my broker asking about my coverage, he did not give a proper response
Geico
They have great rates and are very competitive with other leading insurance companies. i am very happy with my rate
Allstate
The major dislike is the fact that it isn't the cheapest route that I could go. There are other companies where I could get the same coverage for less.
Farm Bureau
I liked that they finished up my claim and sent a check within 6 weeks of the damaged roof. I appreciated the quick turnaround.
Travelers
The communication is on the level of a small, local company. There are not chain email blasts or website updates. We typically only receive communications when something directly affects us, which is nice.
Allstate
I like how streamlined the website is and the app works great for me. I can do everything on my phone so it is really convenient to use.
Esurance
I would definitely recommend this company. You can do everything online. Customer service is proactive about contacting you if there need to be changes made.
Allstate
I would absolutely recommend Allstate for basic homeowner's insurance. At this point I have yet to need to make a claim, so for the time being I would suggest it as an option.

Rapid City, SD Homeowners Insurance By Home Value

Rapid City, SD Home Value Total Homes % of Total Average Rapid City, SD Homeowners Insurance
Less than $50,000 1,455 9.0% $107
$50,000 to $59,999 198 1.0% $229
$70,000 to $79,999 230 1.0% $323
$80,000 to $89,999 645 4.0% $370
$90,000 to $99,999 608 3.0% $411
$100,000 to $124,999 2,295 15.0% $478
$125,000 to $149,999 2,094 13.0% $599
$150,000 to $174,999 2,482 16.0% $707
$175,000 to $199,999 1,192 7.0% $815
$200,000 to $249,999 1,912 12.0% $984
$250,000 to $299,999 904 5.0% $1206
$300,000 to $399,999 1,055 6.0% $1529

Top Home Insurance Agents Near Rapid City, SD

Home Insurance Company Near Rapid City, SD Homeowners Insurance Agency Near Rapid City, SD Address
NA Dacotah Insurance 3447 Willowbend Road Rapid City, Rapid City, SD, 57703
State Farm Bill Graves 338 S Chicago St, Hot Springs, SD, 57747-2324
Farmers Dave Schmidt 2834 Jackson Blvd Ste 101, Rapid City, SD, 57702
Allstate First Western Insurance P.O. Box 519, Sturgis, SD, 57785
State Farm Jodi Garcia 1230 North Ave Ste 2, Spearfish, SD, 57783-1572

Rapid City, SD Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Rapid City, SD

Streets in Rapid City Area Homeowners Insurance Cost
Arroyo Dr, Country Rd W, Pine View Dr, N Spruce St, Rushmore St, Krebs St, Valley West Dr, College Ave, Cardinal Ct, Degeest Dr$670
South St, Wisconsin Ave, Redskin Ct, Diamond Oak Pl, 175th Ave, Benjamin St, Redemption Rd, N Glenview Pl, Co Rd T2356, Silver Nugget Dr$657
E Centre St, Willowbend Rd, Motherlode Dr, School Dr, Cavern Rd, Arapahoe Ct, Fairlawn Dr, Vilrickson Pl, Winfield Ct, Dealers Dr$706
Lion Dr, St Anne St, Stone Dr, 218th St, Yale Ct, Clower Ln, E Sycamore St, N Cambell St, Audubon Cir, Chancery Ct$696
Valley Dr, Sunnydale Ct, 6th Ave, Tawney Ct, Hoefer Ct, Rando Ct S, Neva Way, W Omaha St, Van Buren St, Chevae Ct$672
Terra St, Circlewood Dr, Independence Ct, Hidden Springs Rd, Red Fern St, Columbine Ct, 1st Ave E, Justice Ln, 37th St, Hidden Timbers$669
N 12th St, Blue Stem Ct, 233rd St, E 39th St, Snowberry Ln, Montage Dr, Mullock St, Judson Ln, Front St, Spevak Rd$672
E Crestwood Dr, Janet St, Hiel Rd, Catron Blvd, Fraley Ct, Adams St, West Blvd, W Saint Patrick St, E Indiana St, Mack Dr$676
Carl Ave, Cambridge Pl, Tahoe Peak Pl, Huntington Pl, Bear Creek Rd, Saint James St, Rosemary Ln, Westside Dr, Green Dr, Hart Table Rd$701
E Anamosa St, N Glen Pl, Van Buren St, Monroe St, Idlehurst Ln, Alta Vista Ct, Log Porch Rd, Ardee Ave, 225th St, Freeland Ave$661

Rapid City, SD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Rapid City$100 to $103
Rapid Valley$100
Central Pennington$99
Colonial Pine Hills$106

Rapid City, SD Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Rapid Valley CDP, South Dakota $84 $111 $167
Green Valley CDP, South Dakota $84 $111 $167
Central Pennington UT, Pennington County, South Dakota $83 $111 $166

Rapid City, SD Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Rapid City, SD4.3%12.5%
Rapid Valley4.63%13.56%
Green Valley4.87%14.22%
Central Pennington4.6%13.31%

Rapid City Renters Insurance as a Percentage of Rent

Rapid City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 415 3.0% $329
$200 to $299 475 4.0% $779
$300 to $499 1,755 15.0% $1229
$500 to $749 3,481 30.0% $1904
$750 to $999 3,100 26.0% $2654
$1,000 to $1,499 1,999 17.0% $3779
$1,500 or more 315 2.0% $5429

Rapid City, SD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Rapid City Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,000$10,400
Net Savings to Rapid City Home Owner from High Deductible Plan $600

Rapid City, SD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rapid City, SD Home Replacement Value MORE than Home Value Rapid City, SD Home Replacement Value LESS than Home Value
Replacement Value $173,000 $123,500
Insurance Premium based on Replacement Value $1,050 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $24,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $150/year

Example Rapid City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 978133
Year Built 201319961973
Home Details 5 Beds, 3 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$200000-$250000$150000-$175000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Rapid City, SD from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 195,000 Composition Roof 2,010 5 $1000-$2500 Deductible 120 2 Brick siding No
1997 245,000 Tile Roof 2,190 3 $500- $1000 Deductible 360 4 Stone Siding yes
1992 190,000 Asphalt Shingles Roof 2,300 3 $500- $1000 Deductible 370 5 Wood siding No
1962 145,000 Shingles Roof 1,410 2 $500 Deductible 150 2 Wood siding yes
1997 225,000 Slate Shingles Roof 2,310 4 > $10,000 Deductible 380 8 Stucco siding No
1998 125,000 Asphalt Shingles Roof 1,500 3 $500- $1000 Deductible 550 12 Brick siding yes
1974 240,000 Composition Roof 2,290 5 $1000-$2500 Deductible 510 6 Brick siding No
2012 140,000 Asphalt Shingles Roof 1,500 2 $1000-$2500 Deductible 380 8 Brick siding No
2010 150,000 Slate Shingles Roof 1,790 3 $1000-$2500 Deductible 210 4 Wood siding yes
1991 135,000 Tile Roof 1,650 4 $500- $1000 Deductible 510 10 Stone Siding No
1988 120,000 Metal Roof 1,320 3 $500- $1000 Deductible 90 2 Wood siding No
2001 255,000 Membrane Roof 2,880 4 > $10,000 Deductible 730 10 Stone Siding yes
2010 195,000 Composition Roof 2,290 5 $2500-$5000 Deductible 220 4 Brick siding No
1998 150,000 Metal Roof 1,860 3 $500- $1000 Deductible 910 12 Stucco siding yes
2010 170,000 Wood Shake Roof 2,010 3 $500 Deductible 520 8 Stucco siding yes
2001 95,000 Asphalt Shingles Roof 1,250 2 $1000-$2500 Deductible 260 8 Wood siding yes
1975 160,000 Metal Roof 1,990 3 $1000-$2500 Deductible 320 5 Stone Siding yes
1994 145,000 Membrane Roof 1,450 2 $2500-$5000 Deductible 160 4 Wood siding No
1981 155,000 Shingles Roof 2,090 4 $5000 to $10,000 Deductible 180 5 Brick siding yes
1979 190,000 Membrane Roof 1,860 4 $500 Deductible 860 9 Stone Siding yes
2007 225,000 Slate Shingles Roof 2,080 4 $500- $1000 Deductible 690 9 Stucco siding No
1989 215,000 Membrane Roof 2,000 3 $500 Deductible 1100 8 Wood siding yes
1981 230,000 Metal Roof 2,790 4 $5000 to $10,000 Deductible 280 4 Stone Siding yes
2000 150,000 Tile Roof 1,690 4 $2500-$5000 Deductible 290 8 Stone Siding No
1983 190,000 Shingles Roof 2,390 3 $500 Deductible 750 10 Stone Siding No
2012 330,000 Metal Roof 3,350 4 $500- $1000 Deductible 820 8 Wood siding No
2011 130,000 Shingles Roof 1,530 3 $2500-$5000 Deductible 40 1 Brick siding yes
1973 205,000 Asphalt Shingles Roof 2,720 5 $500- $1000 Deductible 80 1 Stone Siding No
1980 230,000 Composition Roof 2,080 4 $500- $1000 Deductible 300 5 Stone Siding No
2014 265,000 Metal Roof 3,250 4 > $10,000 Deductible 320 7 Stone Siding No
1978 155,000 Wood Shake Roof 1,730 2 $5000 to $10,000 Deductible 290 5 Wood siding yes
1963 230,000 Membrane Roof 2,600 4 > $10,000 Deductible 270 6 Stucco siding No
1979 375,000 Composition Roof 3,370 4 $500- $1000 Deductible 1170 8 Wood siding No
1975 180,000 Metal Roof 2,390 3 $5000 to $10,000 Deductible 290 6 Stone Siding No

How To Make Your Rapid City, SD Home Insurance Cheaper

How Much Does Rapid City, SD Home Insurance Cost?