Health Insurance Agencies in South Dakota

South Dakota at a glance

• 7health insurance agencies listed
• 31.4%of households rentRenters insurance
• $257,400median home valueHome insurance
• 1980median year homes were builtRebuild cost calculator
• 5.2%of households have no carAuto insurance
• 7.2%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across South Dakota

How many of South Dakota’s 66 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Winter weather13 of 66 counties

  Very High in Brown County.

• Ice storm6 of 66 counties

  Very High in Minnehaha County.

• Tornado2 of 66 counties

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in South Dakota
• Strong wind2 of 66 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in South Dakota
• Lightning2 of 66 counties

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in South Dakota
• Hail1 of 66 counties

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in South Dakota

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in South Dakota

South Dakota requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in South DakotaHow much liability cover do you need?

Source: sdlegislature.gov. Checked 2026-10-24.