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Insurance agencies · South Dakota
Insurance Agencies in Tea, SD
Local agencies in Tea for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Tea
Tea has 6,786 residents in 2,171 households. We list 2 insurance agencies in Tea. Here is what the local numbers say about the cover people here need.
Tea at a glance
- 2insurance agencies listed
- 20.3%of households rentRenters insurance
- $351,100median home valueHome insurance
- 2004median year homes were builtRebuild cost calculator
- 0%of households have no carAuto insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Lincoln County
FEMA rates the overall natural hazard risk in Lincoln County, where most Tea agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:
- Winter weather
- Tornado
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in South Dakota - Ice storm
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
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.
Questions
Insurance agencies in Tea
How do I find an insurance agency in Tea?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Tea?
FEMA's National Risk Index rates inland flooding risk in Lincoln County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Tea?
20.3% of households in Tea rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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