In South Dakota, all vehicles that are registered and driven in the state have to meet state minimum guidelines for auto insurance. Those guidelines include:
- At least $25,000 per person for bodily injury liability and $50,000 per accident. This will provide coverage for any claims against you for injuries caused to another person that occurred as a result of your driving.
- At least $25,000 per accident for property damage liability. This coverage protects you in the event of claims brought against you for damage to another person’s property as a result of your driving. This also can cover damage to a car you rent.
- At least $25,000 per person and $50,000 per accident for uninsured motorist coverage. This gives you coverage for a bodily injury claim you’d have against another driver who was uninsured.
- Underinsured motorist coverage greater than or equal to your uninsured motorist coverage.
- At least $30,000 basic no-fault coverage per person. This give you coverage for expenses such as loss of work or medical costs as a result of an auto accident
- If you drive without liability insurance, you could be found guilty of a class B misdemeanor. You could face a fine of at least $150. If you are involved in an accident you will be assessed 14 points against your driver’s license, which will cause an immediate suspension of your license.
Contact:
South Dakota Div. of auto insurance
445 East Capitol Ave.
Pierre, SD 57501
Phone: 1-605-773-3563
Web Site: www.state.sd.us/drr2/reg/insurance
Email: [email protected]
South Dakota (SD) Mandatory Auto Insurance Minimums:
- Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
- Other Mandatory Insurance: Uninsured Motorist
- Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
- Penalties For Not Carrying Mandatory Insurance: License suspension up to 1 year