Who writes homeowners in South Dakota
Ranked by direct premium written in 2025 from the South Dakota market share report (every company, not a top-N list).
84 companies wrote homeowners in South Dakota in 2025, $554.1M in direct premium. State Farm Fire and Casualty Company led with 21.9%; the top five hold 45%. 102 companies are licensed for the line.
By Sam Alishahi, independent insurance broker · All lines in South Dakota
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $121.6M | 21.94% |
| 2 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $40.9M | 7.38% |
| 3 | American Family Insurance Company | 10386 | WI | Admitted (licensed) | $33.3M | 6.02% |
| 4 | North Star Mutual Insurance Company | 14850 | MN | Admitted (licensed) | $27.9M | 5.03% |
| 5 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $24.7M | 4.45% |
| 6 | FMNE Insurance Company | 13889 | NE | Admitted (licensed) | $24.0M | 4.34% |
| 7 | De Smet Farm Mut Ins Co Of SD | 31445 | SD | Admitted (licensed) | $21.3M | 3.84% |
| 8 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $17.0M | 3.06% |
| 9 | Farm Bureau Property & Casualty Insurance Company | 13773 | IA | Admitted (licensed) | $16.3M | 2.94% |
| 10 | Homesite Insurance Company | 17221 | MA | Admitted (licensed) | $14.8M | 2.67% |
| 11 | Farmers Insurance Exchange | 21652 | CA | Admitted (licensed) | $14.7M | 2.66% |
| 12 | American West Insurance Company | 44270 | ND | Admitted (licensed) | $14.0M | 2.53% |
| 13 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $13.3M | 2.40% |
| 14 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $13.2M | 2.37% |
| 15 | American Economy Insurance Company | 19690 | IN | Admitted (licensed) | $12.7M | 2.28% |
| 16 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $9.0M | 1.62% |
| 17 | TravCo Insurance Company | 28188 | CT | Admitted (licensed) | $8.7M | 1.57% |
| 18 | Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | $7.4M | 1.33% |
| 19 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $7.0M | 1.27% |
| 20 | Wadena Insurance Company | 12528 | IA | Admitted (licensed) | $6.9M | 1.25% |
| 21 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $6.9M | 1.24% |
| 22 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $6.9M | 1.24% |
| 23 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $6.8M | 1.22% |
| 24 | Northwest Gf Mut Ins Co | 14885 | SD | Admitted (licensed) | $6.3M | 1.14% |
| 25 | Western National Mutual Insurance Company | 15377 | MN | Admitted (licensed) | $6.3M | 1.14% |
| 26 | Western Agricultural Insurance Company | 27871 | IA | Admitted (licensed) | $6.1M | 1.10% |
| 27 | Encompass Insurance Company | 10358 | IL | Admitted (licensed) | $5.9M | 1.07% |
| 28 | Allstate Property and Casualty Insurance Company | 17230 | IL | Admitted (licensed) | $5.4M | 0.97% |
| 29 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $5.3M | 0.96% |
| 30 | CSAA General Insurance Company | 37770 | IN | Admitted (licensed) | $4.3M | 0.77% |
| 31 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $3.6M | 0.66% |
| 32 | Center Mut Ins Co | 34606 | ND | Admitted (licensed) | $3.6M | 0.65% |
| 33 | Teachers Insurance Company | 22683 | IL | Admitted (licensed) | $3.1M | 0.55% |
| 34 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $2.8M | 0.50% |
| 35 | Midwest Family Mutual Insurance Company | 23574 | IA | Admitted (licensed) | $2.2M | 0.39% |
| 36 | Allstate North American Insurance Company | 11110 | IL | Admitted (licensed) | $2.1M | 0.38% |
| 37 | Pioneer Specialty Insurance Company | 40312 | MN | Admitted (licensed) | $2.0M | 0.36% |
| 38 | National Farmers Union Property and Casualty Company | 16217 | IL | Admitted (licensed) | $2.0M | 0.36% |
| 39 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $1.9M | 0.34% |
| 40 | Missouri Valley Mut Ins Co | 27766 | SD | Admitted (licensed) | $1.9M | 0.33% |
| 41 | Alliance Insurance Company, Inc. | 19186 | KS | Admitted (licensed) | $1.7M | 0.31% |
| 42 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $1.5M | 0.27% |
| 43 | Farmers Alliance Mutual Insurance Company | 19194 | KS | Admitted (licensed) | $1.5M | 0.26% |
| 44 | Agraria Insurance Company | 32670 | ND | Admitted (licensed) | $1.4M | 0.26% |
| 45 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $1.3M | 0.23% |
| 46 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $1.2M | 0.23% |
| 47 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $1.2M | 0.22% |
| 48 | Farmers Casualty Insurance Company | 40169 | RI | Admitted (licensed) | $1.1M | 0.20% |
| 49 | Travelers Property Casualty Insurance Company | 36161 | CT | Admitted (licensed) | $1.1M | 0.20% |
| 50 | Stillwater Insurance Company | 25180 | CA | Admitted (licensed) | $765,619 | 0.14% |
| 51 | Spinnaker Insurance Company | 24376 | IL | Admitted (licensed) | $741,350 | 0.13% |
| 52 | Farmers Group Property and Casualty Insurance Company | 34339 | RI | Admitted (licensed) | $722,559 | 0.13% |
| 53 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $677,061 | 0.12% |
| 54 | Esurance Insurance Company | 25712 | IL | Admitted (licensed) | $641,906 | 0.12% |
| 55 | ACUITY, A Mutual Insurance Company | 14184 | WI | Admitted (licensed) | $631,574 | 0.11% |
| 56 | Homesite Insurance Company of the Midwest | 13927 | WI | Admitted (licensed) | $610,758 | 0.11% |
| 57 | Foremost Property and Casualty Insurance Company | 11800 | MI | Admitted (licensed) | $369,977 | 0.07% |
| 58 | Progressive Northern Insurance Company | 38628 | WI | Admitted (licensed) | $356,125 | 0.06% |
| 59 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $347,771 | 0.06% |
| 60 | Nutmeg Insurance Company | 39608 | CT | Admitted (licensed) | $301,339 | 0.05% |
| 61 | Nationwide Insurance Company of America | 25453 | OH | Admitted (licensed) | $290,447 | 0.05% |
| 62 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $269,460 | 0.05% |
| 63 | Hartford Accident and Indemnity Company | 22357 | CT | Admitted (licensed) | $208,697 | 0.04% |
| 64 | Economy Premier Assurance Company | 40649 | IL | Admitted (licensed) | $204,368 | 0.04% |
| 65 | Truck Insurance Exchange | 21709 | CA | Admitted (licensed) | $196,469 | 0.04% |
| 66 | Twin City Fire Insurance Company (The) | 29459 | IN | Admitted (licensed) | $167,896 | 0.03% |
| 67 | Horace Mann Insurance Company | 22578 | IL | Admitted (licensed) | $161,568 | 0.03% |
| 68 | Armed Forces Insurance Exchange | 41459 | KS | Admitted (licensed) | $125,103 | 0.02% |
| 69 | Markel American Insurance Company | 28932 | VA | Admitted (licensed) | $100,359 | 0.02% |
| 70 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $92,248 | 0.02% |
| 71 | Standard Fire Insurance Company (The) | 19070 | CT | Admitted (licensed) | $76,859 | 0.01% |
| 72 | Trisura Insurance Company | 22225 | OK | Admitted (licensed) | $37,466 | 0.01% |
| 73 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $21,246 | 0.00% |
| 74 | TypTap Insurance Company | 15885 | FL | Admitted (licensed) | $19,542 | 0.00% |
| 75 | Praetorian Insurance Company | 37257 | PA | Admitted (licensed) | $17,326 | 0.00% |
| 76 | American Modern Home Insurance Company | 23469 | OH | Admitted (licensed) | $15,385 | 0.00% |
| 77 | American Security Insurance Company | 42978 | DE | Admitted (licensed) | $13,384 | 0.00% |
| 78 | Esurance Property and Casualty Insurance Company | 30210 | IL | Admitted (licensed) | $11,508 | 0.00% |
| 79 | Century-National Insurance Company | 26905 | IL | Admitted (licensed) | $7,176 | 0.00% |
| 80 | Standard Guaranty Insurance Company | 42986 | DE | Admitted (licensed) | $5,544 | 0.00% |
| 81 | Travelers Commercial Insurance Company | 36137 | CT | Admitted (licensed) | $3,166 | 0.00% |
| 82 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $2,172 | 0.00% |
| 83 | New South Insurance Company | 12130 | IL | Admitted (licensed) | $1,918 | 0.00% |
| 84 | State National Insurance Company, Inc. | 12831 | TX | Admitted (licensed) | $261 | 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.
Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.
Someone will insure it. I find who.
Send what you need covered and what happened before. I match it to the companies that take it, down to the last-resort plan if it comes to that. I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.