South Dakota
Annual home insurance cost: $995 (8% below the national average)
South Dakota has a small population spread across a lot of land. Fifth smallest in population, the state is the 17th largest geographically.
While it is not as densely populated as most of its neighbors, it is more densely inhabited than North Dakota to the north and Montana to the northwest.
The state is divided almost in half, with fertile farming lands to the east and mountainous terrain to the west. South Dakota also has median home values and per capita incomes below the national levels.
