Pierre, SD
Auto and home insurance in Pierre, South Dakota
How Pierre households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Pierre drivers commuting alone at a rate of 79% and homeowners making up 69% of households. Here is what that means for auto and home coverage in a city of about 13,788.
Pierre commuting and vehicle data
| Measure | Pierre | South Dakota |
|---|---|---|
| Drive alone to work | 79% | 77% |
| Carpool | 11% | 8% |
| Work from home | 4% | 10% |
| Commute of 45 minutes or more | 6% | 7% |
| Commute under 15 minutes | 78% | 49% |
| Households with no vehicle | 7% | 5% |
| Households with 3 or more vehicles | 22% | 30% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are similar in Pierre than statewide: 6% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Only 4% of Pierre workers mostly work from home, below the South Dakota share of 10%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
In Pierre, 7% of households live without a car while 22% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Home values and housing age in Pierre
Homes in Pierre carry a median value of $230,700 and a median construction year of 1976. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show South Dakota HO-3 policyholders with $225,000–$249,999 of dwelling coverage paying an average of $1,389; the all-amounts state average was $1,614.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
South Dakota auto minimums that apply in Pierre
South Dakota requires liability limits of at least 25/50/25. Other required coverage: uninsured/underinsured motorist 25/50. Those are floors; with Pierre's median home value at $230,700, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Pierre household
Most Pierre homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Pierre
Plan for severe hail, along with deer collisions. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
How Pierre compares in South Dakota
In Sioux Falls, 60% own their home and 21% of households have three or more vehicles. Rapid City: 77% drive alone, 5% commute 45+ minutes, median home $299,400. In Aberdeen, 62% own their home and 17% of households have three or more vehicles. Pierre ranks 5th for long commutes among the 15 South Dakota cities we profile.
Pierre quote checklist
- Home details: size, age, construction
- Liability limits you want
- Mortgage company for the home
- Drivers' names and dates of birth
- Annual mileage for each car
- Vehicle year, make, model, and VIN
Questions from Pierre drivers and homeowners
What auto insurance is required in Pierre?
South Dakota requires liability of 25/50/25; uninsured/underinsured motorist 25/50.
Do Pierre drivers have long commutes?
About 6% of Pierre workers commute 45 minutes or more and 78% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Pierre?
There is no single price. As context, South Dakota HO-3 policies averaged $1,614 in 2023 (NAIC), and averages rise with dwelling coverage.
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Auto and home insurance in South Dakota
Last updated October 15, 2026 · How we research