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Cheap auto insurance in South Dakota

Illustration of Sylvan Lake at Custer State Park in South DakotaIllustration of Sylvan Lake at Custer State Park in South Dakota


While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for South Dakota:

Is it mandatory to have car insurance in South Dakota?

Yes

What are the minimum limits for South Dakota?

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$25,000 property damage liability per accident

—or—

25/50/25

Car insurance coverage in South Dakota

We’re proud to be able to help drivers in South Dakota meet their insurance needs. Here are some of the parameters of our insurance coverage in South Dakota:

What is the maximum bodily injury liability and property damage liability limit available in South Dakota?

$100,000 in bodily injury liability per person
$300,000 in bodily injury liability per accident
$100,000 in property damage liability per accident

—or—

100/300/100

What coverages are required to be offered in South Dakota?

Bodily injury liability, property damage liability, uninsured motorist bodily injury, and underinsured motorist bodily injury must be offered and can’t be rejected. Medical payments must be offered, but can be rejected.

What coverages are available in South Dakota?

  • Bodily injury liability

  • Property damage liability

  • Uninsured motorist bodily injury

  • Underinsured motorist bodily injury

  • Medical payments

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

  • Accidental death

  • Total disability/loss of income

  • Car loan protection

  • Lienholder deductible

What’s the oldest a vehicle can be to get comprehensive and collision coverage in South Dakota?

20 years

How far back does South Dakota go to look at violation history?

3 years

What additional policy types are offered in South Dakota?

Is an insurance score used in my rating in South Dakota? If so, is it mandatory?

Yes, an insurance score is used in South Dakota.

What policy terms are available in South Dakota?

6 months

What is the minimum down payment option in South Dakota?

1 month down.

Are SR22s used in South Dakota? If so, is there a fee?

SR22s are used in South Dakota, with no fee to file.

What discounts are available in South Dakota?

  • Multi-car

  • Homeowners

  • Responsible driver (prior insurance)

  • Paid in full

  • Quarterly

  • Advanced quote

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