Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in South Dakota Best and cheapest companies for home and auto bundles in South Dakota State Farm has the biggest auto and home bundling discount in South Dakota at an average of 28%, while Farmers Mutual of Nebraska has the cheapest overall bundled rate at an average of $3,482 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in South Dakota to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in South Dakota when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 28%. Meanwhile, Farmers Mutual of Nebraska offers the cheapest overall rate when you bundle with the company in South Dakota. On average, you will pay $3,482 when you bundle. Key Takeaways In South Dakota, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 28%.Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.Bundling is usually a smart move, but sometimes it might not be the best option. How we picked the best companies for home and auto bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in South DakotaWe assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in South Dakota for home and auto bundling.State FarmState Farm offers a 28% bundle discount, which amounts to an average savings of $1,448. The combined cost of home and auto insurance before the discount is $5,100, and after the discount, it drops to $3,652.American FamilyAmerican Family offers an average discount of $1,074 when you bundle your auto and home insurance, which is about 20%. Without the discount, the average cost is $5,382, but with the discount, the price drops to $4,308.Farmers InsuranceThe average bundle discount at Farmers Insurance is $1,160, or 19%. Without the bundle discount, the average cost of coverage is $6,257. After the bundle discount, that cost goes down to $5,097. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.AllstateThe average bundle discount at Allstate is $795, which is a 15% savings. The cost of home and auto insurance before the discount is $5,243, but it lowers to $4,448 after applying the discount.NationwideNationwide provides an average bundle discount of $752, or 14%. Before the discount, the average cost for coverage is $5,552. After applying the discount, the cost comes down to $4,800.Compare home and auto bundles in South DakotaBundling your home and auto insurance in South Dakota can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,652 4787.4A++28%81.4American Family$4,308 5085A20%68.65Farmers Insurance$5,097 4382A19%63.1Allstate$4,448 3985A+15%62.87Nationwide$4,800 4286.6A14%60.11Auto-Owners$6,309 4981.2A++10%53.09What company offers the cheapest home and auto bundles in South Dakota?If you bundle your policies, State Farm gives you the highest discount. Farmers Mutual of Nebraska has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleFarmers Mutual Ins Co of NE$2,568$1,571$4,139$3,482State Farm$3,524$1,576$5,100$3,652American Family$4,029$1,353$5,382$4,308Iowa Farm bureau$2,965$2,263$5,228$4,406Allstate$2,965$2,278$5,243$4,448North Star Mutual$2,248$2,934$5,182$4,465Nationwide$4,275$1,277$5,552$4,800Farmers Insurance$4,317$1,940$6,257$5,097Auto-Owners$4,404$2,628$7,032$6,309Most and least expensive ZIP codes for home and auto insurance bundles in South DakotaYour ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in South Dakota.Most expensive ZIP codesThe ZIP code 57735 in South Dakota has the highest average cost for bundling home and auto insurance, at $5,412. See the top 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference57735$5,41217%57702$5,39917%57555$5,38017%57714$5,36317%57703$5,27517%57701$5,27317%57623$5,05117%57625$5,03116%57317$4,76717%57580$4,75117%Least expensive ZIP codesThe most affordable ZIP code in South Dakota for bundling home and auto insurance is 57201, with an average rate of $3,984. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference57201$3,98417%57006$4,11717%57007$4,13817%57274$4,16417%57437$4,19717%57324$4,23517%57353$4,23717%57110$4,24717%57501$4,25217%57104$4,26317% Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in South Dakota? Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.Rather than simply assuming that a bundle is your best deal, it always pays to shop around.“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.” How can you switch to a home and auto bundle in South Dakota? Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated. MethodologyInsure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate. You might find interesting The best, cheapest car insurance in South DakotaCheapest car insurance in South DakotaSouth Dakota car insurance calculatorNon-owner auto insurance in South Dakota: Which company has the cheapest rates?Cheapest SR-22 insurance in South Dakota How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing Researcher | . .Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in South DakotaCompare home and auto bundles in South DakotaWhat company offers the cheapest home and auto bundles in South Dakota?Most and least expensive ZIP codes for home and auto insurance bundles in South DakotaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates