Car Insurance in South Dakota

Compare Auto Insurance in South Dakota

South Dakota Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $25,000 property damage
  • Click here for more auto insurance minimums in South Dakota.

South Dakota DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.17% and higher.
  • Click here for more DUI laws in South Dakota.

South Dakota SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in South Dakota.

South Dakota Hands-Free Laws

  • The South Dakota legislature is considering a cell phone/texting law.
  • South Dakota House Bill 1178 would prohibit text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in South Dakota.

South Dakota Teen Auto Insurance

  • South Dakota utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • South Dakota teens must be at least 14 years of age to apply for an instruction permit.
  • Click here to learn all you need to know about South Dakota teen driver laws.

South Dakota differs somewhat from other states regarding minimum insurance coverage. By law, every motorist is required to provide proof of financial responsibility. This means that if you do not wish to purchase South Dakota auto insurance, you must prove to the state that you have unlimited funds available to you to cover any and all damages resulting from an auto accident. Obviously, most citizens do not have this type of savings so purchasing automobile insurance is a much simpler solution.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of South Dakota requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $25,000 total for property damage, per accident

South Dakota also mandates that all drivers carry Uninsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance.

Your insurance policy is basically a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay for losses and/or damages in the event of an accident. It’s important to remember when drawing up your personal policy that most states only require minimum coverage amounts. Most insurance experts agree that you should base your deductibles and types of coverage on your personal needs and circumstances.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state’s minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

South Dakota Division of Insurance

445 East Capitol Avenue
Pierre, SD 57501
(605) 773-3563

South Dakota Car Insurance Agents

If you are a resident of South Dakota and are searching for a highly trained auto insurance agent to assist you in putting together a comprehensive yet affordable policy, look no further!

Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers. They also understand that their clients need and deserve this coverage at a reasonable cost that doesn’t break the family budget.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can put together a policy which is just right for you- one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If you would like to receive a quote from a qualified agent, please use our Agent Locator to find an extensive list of agents in your local area. You can depend on any one of these agents to maintain a high standard of professional excellence while working hard to make sure you get the best South Dakota Auto Insurance policy possible.

Tips to saving money on your insurance premiums

  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you have a teenage driver in the family, ask about a good student discount.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • Reduce coverage on an older vehicle, especially if it’s paid for.
  • Improve your credit score. Most insurance companies use this score to determine the rates you will pay for insurance. If possible, obtain copies of your personal credit report (from the three major reporting bureaus) and check them for accuracy before applying for insurance. Report any out-of-date information or errors directly to the reporting bureau.

Knowing the discounts that are available can add up to big savings when putting together an auto insurance policy. When you also work with a skilled agent, you can be confident that you are getting coverage which protects both you and your assets at a price you can afford.

While most South Dakota residents are frugal consumers and know how to manage their money, they can still save more money auto insurance. Just because the law requires you carry South Dakota auto insurance, doesn’t necessarily mean you have to spend a fortune. Best of all, even if you don’t have a pristine driving record, you can still find a policy that works for you. By making informed insurance decisions, you can save a significant time and money. offers information on the lowest Idaho auto insurance rates for the entire state.