Sioux Falls Insurance Rates:

Sioux Falls, SD homeowners insurance is approximately $572 to $773, about $47-$64/month. Our extensive guide shows customers can save as much as $269 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Aaa
There may be a discount if i have a smoke alarm or detector or if i have a home security system installed.
Allstate
Over the past year, my auto insurance went up by $400. i am considering looking into switching insurance companies.
Allstate
Allstate was so great in the aftermath of a storm. they were prompt in taking care of everything and so kind while doing so. premiums are also very fair.

Sioux Falls, SD Homeowners Insurance By Home Value

Sioux Falls, SD Home Value Total Homes % of Total Average Sioux Falls, SD Homeowners Insurance
Less than $50,000 2,870 7.0% $107
$50,000 to $59,999 411 1.0% $228
$60,000 to $69,999 620 1.0% $289
$70,000 to $79,999 805 2.0% $329
$80,000 to $89,999 1,375 3.0% $376
$90,000 to $99,999 1,544 4.0% $417
$100,000 to $124,999 4,744 13.0% $484
$125,000 to $149,999 6,425 17.0% $605
$150,000 to $174,999 5,890 16.0% $720
$175,000 to $199,999 3,323 9.0% $834
$200,000 to $249,999 3,672 10.0% $1002
$250,000 to $299,999 2,444 6.0% $1224
$300,000 to $399,999 2,151 5.0% $1554

Top Home Insurance Agents Near Sioux Falls, SD

Home Insurance Company Near Sioux Falls, SD Homeowners Insurance Agency Near Sioux Falls, SD Address
State Farm Randy Schaefer 730 S Washington Ave, Madison, SD, 57042-3519
Allstate The Estenson Co Inc Po Box 868, Luverne, MN, 56156
NA Extended Ag Insurance Services, Inc. 208 Clinton St, Lester, MN, 51242
NA Corinsurance Po Box 438 , Vermillion, SD, 57069
NA Farmers Union Insurance Agency 44565 277Th St , Marion, SD, 57043

Cost Of Homeowners Insurance By Street Near Sioux Falls, SD

Streets in Sioux Falls Area Homeowners Insurance Cost
S Medina Cir, W Bakker Cir, Jasmine Cir, S River Park Pl, S Hallow Ave, S Lewis Ave, S Tarragon Cir, S Cliff Ave, S Rain Tree Ln, W Sleigh Creek Trl$723
W 92nd St, E Justin Dr, E Chatham St, W 91st Pl, W Chicory Ln, S Quail Run Ave, S Landau Cir, S Honors Dr, E Sandpiper Trl, S Mustang Ave$723
W 86th Pl, Connie Ave, W Wicklow Ln, S Brenda Pl, Bitterroot Ct, W 65th St, W Devitt Dr, Heatherridge Ave, Grouse Point Pl, S Moor Cross Dr$721
Co Hwy 102, E 64th St, W 84th St, S Canterbury Pl, W 98th St, S Yellowstone Cir, E 57th St, S High Cross Trl, E Snowbird Cir, 94th St$727
S Edinburg Pl, W Wicklow Ct, S Holbrook Ave, Waterstone Dr, S Sunflower Trl, W 88th St, S Baneberry Ave, S Deer Park Dr, Trading Post Rd, S Ash Grove Ave$724

Sioux Falls, SD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sioux Falls$100 to $102
Pine Lakes Addition$105
Anderson$104
Springdale$109

Sioux Falls, 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
Pine Lakes Addition CDP, South Dakota $105 $140 $210
Anderson CDP, South Dakota $104 $139 $209
Springdale township, Lincoln County, South Dakota $109 $145 $218

Sioux Falls, 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
Sioux Falls, SD4.4%13.1%
Anderson3.18%11.87%
Springdale3.15%11.58%
Meadow View Addition4.29%27.75%

Sioux Falls Renters Insurance as a Percentage of Rent

Sioux Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 433 1.0% $329
$200 to $299 525 2.0% $779
$300 to $499 2,731 11.0% $1229
$500 to $749 9,491 41.0% $1904
$750 to $999 6,097 26.0% $2654
$1,000 to $1,499 2,981 13.0% $3779
$1,500 or more 663 2.0% $5429

Sioux Falls, SD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Sioux Falls Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Sioux Falls Home Owner from High Deductible Plan $600

Sioux Falls, SD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sioux Falls, SD Home Replacement Value MORE than Home Value Sioux Falls, SD Home Replacement Value LESS than Home Value
Replacement Value $405,500 $266,000
Insurance Premium based on Replacement Value $1,875 $1,225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $66,500 Risk Exposure from Under Insuring Coverage is $73,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $300/year

Example Sioux Falls Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmerican Family InsuranceLiberty Mutual
Monthly Premium 569784
Year Built 199220101945
Home Details 2 Beds, 1 Baths5 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $150000-$175000$350000-$400000$200000-$250000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Sioux Falls, SD from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1945 160,000 Membrane Roof 1,450 3 $5000 to $10,000 Deductible 150 4 Fiber-Cement Siding No
2012 125,000 Composition Roof 1,430 2 $2500-$5000 Deductible 30 1 Fiber-Cement Siding yes
2013 120,000 Asphalt Shingles Roof 1,420 3 $500- $1000 Deductible 130 3 Fiber-Cement Siding No
1986 170,000 Shingles Roof 1,540 2 $500 Deductible 260 3 Brick siding yes
1992 220,000 Asphalt Shingles Roof 2,190 4 $2500-$5000 Deductible 580 9 Stone Siding No
2010 295,000 Composition Roof 3,180 4 $1000-$2500 Deductible 510 6 Fiber-Cement Siding yes
1987 260,000 Membrane Roof 3,040 4 > $10,000 Deductible 170 3 Stone Siding yes
1987 190,000 Asphalt Shingles Roof 2,180 4 $5000 to $10,000 Deductible 120 3 Wood siding No
1993 160,000 Composition Roof 1,610 2 $5000 to $10,000 Deductible 220 6 Brick siding No