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.

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: insurance@state.sd.us

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