Sioux Falls has 201,469 residents in 85,992 households. We list 13 agencies for life insurance in Sioux Falls. Here is what the local numbers say about the cover people here need.

Sioux Falls at a glance

13life insurance agencies listed
40.5%of households rentRenters insurance
$292,400median home valueHome insurance
1993median year homes were builtRebuild cost calculator
5.5%of households have no carAuto insurance
3.5%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 in Minnehaha County

FEMA rates the overall natural hazard risk in Minnehaha County, where most Sioux Falls agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Sioux Falls
Winter weatherRelatively High
Strong windRelatively High
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 Sioux Falls

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 Sioux Falls How much liability cover do you need?

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

Insurance companies Sioux Falls agencies work with

Of the 13 Sioux Falls agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide5 agencies
Corebridge (AIG Life)4 agencies
Foremost3 agencies
Nationwide (Allied)3 agencies
Nationwide (Colonial)3 agencies
Progressive3 agencies
Sammons3 agencies
UnitedHealthcare3 agencies
American-Amicable Life Insurance Company of Texas2 agencies
BANNER LIFE INSURANCE COMPANY2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Sioux Falls agencies are

Sioux Falls agencies we list sit in 4 ZIP codes, mostly in Minnehaha County.

571085 agencies
571064 agencies
571053 agencies
571071 agency

Questions

Life insurance in Sioux Falls

All insurance agencies in Sioux Falls · Life insurance across South Dakota

Where can I find life insurance in Sioux Falls?

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.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Sioux Falls agencies work with?

Among the 13 Sioux Falls agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (5), Corebridge (AIG Life) (4), Foremost (3), Nationwide (Allied) (3), Nationwide (Colonial) (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Sioux Falls?

FEMA's National Risk Index rates inland flooding risk in Minnehaha County as Relatively Moderate 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.

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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