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South Dakota Car Insurance

While South Dakota does not have the no-fault policy in effect as does its northern sibling, the state does require that its motorists be well insured. is relentless in finding low-cost car insurance quotes for our customers online; allowing them to choose an affordable insurance policy that meets their needs from reputable companies such as Nationwide, Progressive and

South Dakota Car Insurance Requirements

Having a quality car insurance policy is very important in the event a driver is involved in a motor vehicle accident. For this reason, South Dakota requires that all motorists maintain a minimum liability policy of at least 25/50/25 to cover bodily injury and property damage expenses in the unfortunate event of an accident.

  • Bodily Injury Liability- Bodily injury liability coverage pays the medical expenses of the other driver and their passengers when the insured person is found to be at fault in an accident. Under the minimum coverage, the insurance company will pay a maximum of $25,000 for a single person and a maximum of $50,000 for multiple persons involved in the accident.
  • Property damage Liability- To cover repairs to damage that may occur to the other person’s vehicle, public property and private property, a minimum of $25,000 of property damage liability coverage must be maintained by every resident for each vehicle they own.

South Dakota strongly recommends that all its motorists purchase an auto insurance policy with liability coverage that is greater than the minimum requirement because the rising costs of repairs and medical treatment makes it very easy for the costs to surpass the minimum coverage, leaving the insured person pay for the excess expense out-of-pocket.

Even though South Dakota requires that all its motorists carry the minimum liability coverage for their vehicles, many states do not. Therefore, along with the minimum liability coverage, all South Dakota residents are also required to have Uninsured Motorist protection for their vehicles. UM protection covers damages to a vehicle when the responsible person’s insurance is insufficient or the vehicle is damaged in a hit and run.

The average cost of car insurance premiums fell 9.6% from $1812 in 2006 to $1653 in 2007. This decrease was the fourth highest in the nation, keeping South Dakota well below the national average of$1896. It is important to note that not every South Dakota resident will pay the average insurance premiums as insurance costs depend on a number of factors including credit history, the type of vehicle owned and an individuals driving record. is dedicated to helping our customers pay the lowest possible price for their insurance premiums when they use our service. After entering their Zip code and then answering some general driving history questions, our customers will be given multiple South Dakota car insurance quotes from our partner insurance companies that will allow them to choose the car insurance policy that will fit both their needs and their budgets.

Cities in South Dakota

Car Insurance by State

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