We aren’t here to hit you with complicated, sales-pitches. Our motives are simple: to give you accurate, relevant, and useful car insurance information to help you feel confident in your decision with an insurance company. Read about South Dakota car insurance laws, state minimums, coverage options, and more right here.

State Car Insurance Requirements

You’re policy must include bodily injury liability, property damage liability, and uninsured/underinsured coverage with at least the following coverage limits to abide by the law:

  • $25,000 for bodily injury liability and uninsured motorist coverage, per person per accident
  • $50,000 for bodily injury liability and uninsured motorist coverage, total per accident
  • $25,000 for property damage liability per accident

Violations and Penalties You’ll Want To Avoid

If you can’t prove you’re insured by carrying an insurance card or you don’t have insurance at all, you could face the following consequences:

  • 30 days in jail
  • A $100 fine
  • The possibility of having your license suspended for one year

Why Premiums Cost What They Do

Insurance rates are no guessing game. Unless you think the million data points insurance companies use to asses your risk are fun and games. If you have a high-risk factor as a driver, your annual premiums will be higher. If your driving profile indicates you are a low risk driver, you’ll probably pay less. Here are the factors that insurance companies will look at when determining your risk level:

  • Address
  • Age
  • Gender
  • Insurance history
  • Driving/claims record
  • Make and model of your vehicle
  • Use of your car
  • Credit score

Most Stolen Cars in South Dakota*

Risk increases rates. Driving a car that’s commonly stolen in South Dakota falls in that category. Here are the top stolen vehicles that owning could result in higher insurance premiums:

  • Ford Pickup (Full Size)
  • Chevrolet Pickup (Full Size)
  • Ford Taurus
  • Buick Lesabre
  • Dodge Pickup (Full Size)
  • Pontiac Grand Prix
  • GMC Pickup (Full Size)
  • Ford Explorer
  • Pontiac Grand Am
  • Chevrolet Impala

*According to www.nicb.org

South Dakota Agents Are Experts

Car insurance rates depend heavily on the driver itself. That’s why the best way to get the most accurate information is to talk to a South Dakota auto insurance expert. They can answer any additional questions you have as well as provide you free quotes from top insurance companies. We suggest calling one today at  855-462-2213 .

Additional South Dakota Resources