Who writes farm and crop in South Dakota
Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).
47 companies wrote farm and crop in South Dakota in 2025, $1.47B in direct premium. Ace Property and Casualty Insurance Company led with 23.4%; the top five hold 71%.
By Sam Alishahi, independent insurance broker · All lines in South Dakota
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | Ace Property and Casualty Insurance Company | 20699 | PA | Admitted (licensed) | $345.0M | 23.40% |
| 2 | NAU Country Insurance Company | 25240 | MN | Admitted (licensed) | $243.9M | 16.54% |
| 3 | Rural Community Insurance Company | 39039 | MN | Admitted (licensed) | $181.3M | 12.29% |
| 4 | Great American Insurance Company | 16691 | OH | Admitted (licensed) | $162.3M | 11.00% |
| 5 | American Agri-Business Insurance Company | 12548 | TX | Admitted (licensed) | $107.3M | 7.28% |
| 6 | Farmers Mutual Hail Insurance Company of Iowa | 13897 | IA | Admitted (licensed) | $101.9M | 6.91% |
| 7 | FMNE Insurance Company | 13889 | NE | Admitted (licensed) | $46.8M | 3.17% |
| 8 | Producers Agriculture Insurance Company | 34312 | TX | Admitted (licensed) | $36.3M | 2.46% |
| 9 | Farm Bureau Property & Casualty Insurance Company | 13773 | IA | Admitted (licensed) | $36.2M | 2.45% |
| 10 | North Star Mutual Insurance Company | 14850 | MN | Admitted (licensed) | $31.6M | 2.14% |
| 11 | De Smet Farm Mut Ins Co Of SD | 31445 | SD | Admitted (licensed) | $28.8M | 1.95% |
| 12 | Clear Blue Insurance Company | 28860 | TX | Admitted (licensed) | $26.2M | 1.78% |
| 13 | Nationwide Agribusiness Insurance Company | 28223 | IA | Admitted (licensed) | $16.9M | 1.14% |
| 14 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $15.2M | 1.03% |
| 15 | Indemnity Insurance Company of North America | 43575 | PA | Admitted (licensed) | $12.3M | 0.83% |
| 16 | Agri General Insurance Company | 42757 | IA | Admitted (licensed) | $10.9M | 0.74% |
| 17 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $9.1M | 0.62% |
| 18 | Farmers Alliance Mutual Insurance Company | 19194 | KS | Admitted (licensed) | $8.3M | 0.57% |
| 19 | Western Agricultural Insurance Company | 27871 | IA | Admitted (licensed) | $8.3M | 0.56% |
| 20 | American Family Insurance Company | 10386 | WI | Admitted (licensed) | $8.2M | 0.56% |
| 21 | State Automobile Mutual Insurance Company | 25135 | OH | Admitted (licensed) | $8.0M | 0.55% |
| 22 | American Agricultural Insurance Company DBA: AmericanAg | 10103 | IN | Admitted (licensed) | $5.6M | 0.38% |
| 23 | National Farmers Union Property and Casualty Company | 16217 | IL | Admitted (licensed) | $4.7M | 0.32% |
| 24 | Palomar Specialty Insurance Company | 20338 | OR | Admitted (licensed) | $4.3M | 0.29% |
| 25 | Northwest Gf Mut Ins Co | 14885 | SD | Admitted (licensed) | $2.9M | 0.19% |
| 26 | Missouri Valley Mut Ins Co | 27766 | SD | Admitted (licensed) | $1.8M | 0.12% |
| 27 | American West Insurance Company | 44270 | ND | Admitted (licensed) | $1.6M | 0.11% |
| 28 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $1.2M | 0.08% |
| 29 | West American Insurance Company | 44393 | IN | Admitted (licensed) | $1.1M | 0.08% |
| 30 | Center Mut Ins Co | 34606 | ND | Admitted (licensed) | $924,560 | 0.06% |
| 31 | Phoenix Insurance Company, (The) | 25623 | CT | Admitted (licensed) | $870,314 | 0.06% |
| 32 | Travelers Indemnity Company of America (The) | 25666 | CT | Admitted (licensed) | $862,018 | 0.06% |
| 33 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $812,816 | 0.06% |
| 34 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $697,804 | 0.05% |
| 35 | Agraria Insurance Company | 32670 | ND | Admitted (licensed) | $516,129 | 0.03% |
| 36 | Hutterian Brethren Mut Ins Corp | 15455 | IL | Admitted (licensed) | $433,346 | 0.03% |
| 37 | Hudson Insurance Company | 25054 | DE | Admitted (licensed) | $390,038 | 0.03% |
| 38 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $262,516 | 0.02% |
| 39 | U.S. Specialty Insurance Company | 29599 | TX | Admitted (licensed) | $250,857 | 0.02% |
| 40 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $249,945 | 0.02% |
| 41 | Travelers Property Casualty Company of America | 25674 | CT | Admitted (licensed) | $217,841 | 0.01% |
| 42 | American Fire and Casualty Company | 24066 | NH | Admitted (licensed) | $207,577 | 0.01% |
| 43 | American Reliable Insurance Company | 19615 | AZ | Admitted (licensed) | $24,483 | 0.00% |
| 44 | Stratford Insurance Company | 40436 | NH | Admitted (licensed) | $11,974 | 0.00% |
| 45 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $11,899 | 0.00% |
| 46 | Great American Assurance Company | 26344 | OH | Admitted (licensed) | $4,434 | 0.00% |
| 47 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $664 | 0.00% |
Method and source
Source: the South Dakota insurance regulator company list, read 2026-10-18. SD publishes no licensing roster. This is the SD Division of Insurance market share report set for 2025 (NAIC i-site, CodeList Basis: Licensed): every licensed company that reported SD direct premium on its 2025 annual statement, so licensed companies with no SD premium are absent. type = statement type of the total report(s) the company appears in (Property & Casualty / Life / Health / Title; Life covers both the Life & Annuity and the Life A&H totals). lines = SD per-line reports in which the company wrote direct premium > 0, named as the report headers name them (P&C lines plus the A&H lines filed on P&C/Life statements). Farm mutuals sheet (no NAIC codes) and the 'all statement types' aggregates skipped. No surplus lines eligibility list is published by SD (surplus lines filings go through the SLIP+ clearinghouse). 1 company(ies) found only in a per-line report, not in any total, left out: 38920 Kinsale Ins Co (Aircraft - All Perils). "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.
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