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 Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.com. | Updated on: December 26, 2024 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 offers the biggest average discount of 28% on home and auto insurance bundles.Different companies offer varying discounts for bundling, so it’s worth shopping around.Where you live in the state can affect how much you save by bundling.Bundling is generally a good idea, but in a few situations, it might not save you money. 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 ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in South Dakota.State FarmThe average bundle discount at State Farm is $1,448, or 28%. Before the bundle discount is added, the average cost of home and auto insurance is $5,100. After getting a bundle discount, the cost drops to $3,652. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.American FamilyAmerican Family offers an average bundle discount of $1,074, or 20%. Before the bundle discount, you’ll pay an average of $5,382, which will decrease to $4,308 after the discount is applied.Farmers InsuranceFarmers Insurance offers an average discount of $1,160 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $6,257, but with the discount, it drops to $5,097.AllstateAllstate offers an average bundle discount of $795, which is about 15%. Without the discount, the combined cost of home and auto insurance is $5,243. After applying the discount, the total cost drops to $4,448.NationwideThe average bundle discount at Nationwide is $752, or 14%. Before getting a bundle discount, customers see average rates of $5,552 for coverage. With the bundle discount, customers see average rates of $4,800. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.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 bundle in South Dakota?State Farm provides the largest discount on premiums for bundled insurance, while Farmers Mutual of Nebraska offers the lowest overall rate when you bundle.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 DakotaThe ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in South Dakota for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in South Dakota for home and auto insurance bundling is 57735 at an average rate of $5,412. See the 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 bundling home and auto insurance Is bundling home and auto insurance right for everyone in South Dakota? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. 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 . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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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 bundle in South Dakota?Most and least expensive ZIP codes for home and auto insurance bundles in South DakotaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates