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South Dakota- Auto Insurance

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.


South Dakota Div. of auto insurance
445 East Capitol Ave.
Pierre, SD 57501
Phone: 1-605-773-3563

Web Site:

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

Inside South Dakota- Auto Insurance