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South Dakota’s minimum car insurance coverage requirements

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?


What are the minimum limits for South Dakota?

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



Dairyland® coverage in South Dakota

At Dairyland, 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 limit Dairyland offers in South Dakota?

$50,000 bodily injury per person 
$100,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in South Dakota? Can a customer reject them?

Bodily Injury, Property Damage, and Uninsured/Underinsured Motorist Bodily Injury must be offered and can’t be rejected. Medical Payments must be offered, but can be rejected.

What are all the coverages Dairyland offers in South Dakota?

  • Bodily Injury
  • Property Damage
  • Uninsured/Underinsured Motorist Bodily Injury
  • Medical Payments
  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement
  • Towing and Labor
  • Accidental Death
  • Total Disability/Loss of Income

What’s the oldest a vehicle can be to get Dairyland’s 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?  

Named Non-Owner

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

An insurance score is used in South Dakota.

What policy terms does Dairyland offer in South Dakota?

6 months

What is Dairyland’s minimum down payment option in South Dakota? 

1 month down

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

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

What discounts are available from Dairyland in South Dakota?

  • Homeowner
  • Responsible driver (prior insurance)
  • Multi-car
  • Paid in full
  • Advance quote
  • Defensive driver
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