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Auto Insurance Requirements In South Dakota

South Dakota Auto Insurance 

According to South Dakota state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while South Dakota law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  South Dakota

South Dakota law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Property damage liability insurance for $25,000
  • Bodily injury liability insurance of $25,000 for one person or $50,000 for multiple people
  • Uninsured motorist insurance of $25,000 per person or $50,000 per accident

Penalties and Violations

If you are caught driving without insurance in South Dakota, you may face hefty consequences. These include:

  • The immediate suspension of your driver’s license and vehicle registration
  • A reinstatement fee
  • A $500 fine
  • An SR-22 insurance requirement (a proof of insurance form to be turned into your motor vehicle department)

You are also deemed fully responsible for any financial repercussions should you cause an accident and not have any insurance to cover the cost of the damage. 

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.