South Dakota Car Insurance

As of 2010, South Dakota car insurance laws require drivers to carry at least 25/50/25 in liability and 25/50/25 in uninsured motorist coverage. If you choose a comprehensive or full coverage policy, you will see your South Dakota car insurance rates increase. Keep insurance costs low by comparing South Dakota auto insurance quotes below for free.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 23, 2020

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South Dakota is home to over 800,000 people and just as many cars – all of which are required to have car insurance by South Dakota law. Auto insurance is mandatory in South Dakota and drivers are required to carry both liability insurance and uninsured motorist coverage.

South Dakota Car Insurance Requirements

Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

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Vehicles registered in South Dakota must show proof of insurance before tags will be issued and owners must always maintain coverage which meets the state minimum requirements at all times. Failure to have valid car insurance in place can subject a driver to personal liability, suspension of driving privileges, heavy fines and more penalties.

As of 2010 the South Dakota Division of Insurance requires the following minimum levels of coverage for any registered vehicle:

Liability Insurance

  • $25,000 – accidents with one injured person
  • $50,000 – combined damages to all persons in an accident
  • $25,000 – property damage liability insurance

Uninsured Motorist Coverage

  • $25,000 – accidents with one injured person
  • $50,000 – combined damages to all persons in an accident
  • $25,000 – property damage liability insurance

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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South Dakota has set the same minimum levels of coverage for both liability insurance and uninsured motorist coverage however since the State operates under tort law for car accidents all drivers should consider additional coverage. Liability insurance will not provide coverage for damages to your vehicle and even uninsured motorist coverage has limitations to how damage to your vehicle is covered. Most South Dakota drivers purchase several types of car insurance including both collision and comprehensive coverage as well as expanded policy limits.

South Dakota Car Insurance Companies

South Dakota has approximately 103 car insurance companies licensed to provide auto insurance so residents have a wealth of choices about who to purchase auto insurance from. However the key to finding the best car insurance policy will be heavily based on your ability to compare car insurance companies and their policy offerings.

  • Do you know what comprehensive coverage is?
  • Is the replacement value of your vehicle equal to how much you owe?
  • How many car insurance discounts are you eligible for?

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in South Dakota.

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Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in South Dakota.

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Six major factors affect auto insurance rates in SD. Which car insurance factors will affect your rates the most? Find out below:

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Who is the cheapest car insurance company in SD? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in SD?

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There are so many elements of car insurance you really need to at least start learning about the types of coverage, available discounts and how policy deductibles work before starting a car insurance comparison search. Start with education and then always compare at least a handful of providers.

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly South Dakota Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in South Dakota
Factors Affecting Car Insurance Rates in South Dakota
South Dakota Car Insurance Rates by Company vs. State Average
South Dakota Car Insurers by Market Share %