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South Dakota Car Insurance Requirements

South Dakota Minimum Car Insurance Requirements

The state of South Dakota requires all drivers to carry two types of car insurance: liability coverage and uninsured/underinsured motorist coverage. With these standard requirements comes a certain minimum amount drivers must also carry of each. The state-mandated minimums for South Dakota are as outlined:

Liability Insurance

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

Uninsured/Underinsured Motorist Coverage

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident

Failure to carry proof of insurance can result in you facing some harsh penalties in South Dakota. It is also important to note that if you have an auto loan or are leasing your vehicle, your lender or leasing company may quire you to carry additional insurance.

South Dakota Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage is one of the types of car insurance required for every driver in the state of South Dakota. This insurance will help pay for medical expenses when the other driver lacks liability insurance. But keep in mind that South Dakota law only requires this insurance to be carried for bodily injuries. It will not cover property damage. You will want to expand your policy to include your property.

South Dakota Liability Insurance

South Dakota also requires its drivers to carry liability insurance. Liability insurance will pay for the other driver’s injuries and damaged property when you have been found to be at fault for the accident. It is important to note that your liability insurance policy will never cover your injuries or damage to your property. Such coverage will come mainly from expanding your policy.

Car Insurance Limits in South Dakota

Nearly every state in the country has a mandated minimum limit of coverage drivers must carry. This is the lowest amount of insurance you can purchase in order to be considered a legal driver. On the flip side, limits are also the maximum amount your insurer will payout in the event of a claim.

For the state of South Dakota, the mandatory minimums for liability insurance are expressed as 25/50/25. Each number represents a different component of liability coverage: bodily injury per person, bodily injury per accident, and property damage, respectively. More on what these aspects cover can be found below.

  • Bodily injury per person is the maximum amount your insurer will pay for injuries to one person in an accident.
  • Bodily injury per accident is how much your insurance company will pay out for all injuries you cause in an accident.
  • Property damage per accident is the amount of money your insurer will pay for the property you damage in an accident.

Is South Dakota Mandatory Insurance Minimums Enough Coverage?

The car insurance minimum requirements in South Dakota are on par with other states. However, this does not mean they are high enough to carry. It is highly recommended that you purchase a policy with increased coverage limits. Failure to do so can put you and your assets at risk every time you get behind the wheel of a car. Take time to shop around for a policy that protects you. Accidents can get very costly, very quickly.

Driving Without Insurance in South Dakota

since South Dakota law requires drivers to carry car insurance, failing to provide proof of coverage when asked has some harsh consequences. Listed below is what you could be facing if you choose to drive without insurance in the state of South Dakota.

  • Charged with Class 2 misdemeanor
  • A fine ranging from $100 to $500
  • Jail time
  • License suspension
  • Maintain an SR22 certificate for 3 years
  • Reinstatement fees

Additional Types of Car Insurance in South Dakota

While South Dakota requires drivers to carry two types of car insurance, there are still many ways you can strengthen your policy. Listed below are some common policy add-ons that can offer you pretty protection as a driver.

  • Collision: Collision coverage pays for damage to your vehicle following a car accident.
  • Comprehensive: This coverage pays for damage to your vehicle related to a non-collision incident. Some perils covered under this policy include theft and extreme weather.
  • Gap Coverage: This insurance can help cover the difference in your vehicle’s actual cash value and what is remaining on your auto loan. This may come in handy if your car is totaled before you can pay it off.
  • Roadside Assistance: If your car experiences some mechanical issues while on the road, roadside assistance can be there to resolve whatever is hindering your vehicle.
  • Medical Payments: This coverage will pay for medical bills you and your passenger(s) accumulate following an accident. It pays out no matter who was at fault for the collision.

Car Insurance is Important For Any South Dakota Driver

Carrying a car insurance policy not only keeps you on the right side of the law but also offers you valuable protection. Accidents may be very pricey, and if you only carry the state-mandated minimums, you may be left on the hook for various expenses. In order to offer yourself protection along with helping other drivers, you should carry an adequate coverage limit. It also would not hurt to utilize policy add-ons. While insurance may seem like a tedious process, you may be thankful you took the time to sort through all of it.

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