🏠 Home insurance cost in Sioux Falls, SD (2026)
Estimated average: $2,760 per year — +20% vs. the U.S. average of $2,300.
$2,760
Est. home insurance in Sioux Falls
per year
$2,760
South Dakota average
$2,300
U.S. average
202,078
Population
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Sioux Falls home insurance estimator
Estimated$1,739/year
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Sioux Falls home insurance FAQ
How much is home insurance in Sioux Falls, SD?
The estimated average is $2,760 per year — about the state average (0% vs. the South Dakota average of $2,760, and +20% vs. the U.S. average).
Is home insurance more expensive in Sioux Falls than elsewhere in South Dakota?
Sioux Falls has about 202,078 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Sioux Falls?
Compare at least three quotes from insurers active in Sioux Falls, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.