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South Dakota Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in South Dakota. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in South Dakota.

SD Auto Insurance Laws and Regulations:

South Dakota Div. of Auto Insurance
445 East Capitol Ave.
Pierre, SD 57501

Minimum Car Insurance Coverage in SD:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

SD Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


SD Uninsured Penalties:

If you drive without liability insurance, you could be found guilty of a class B misdemeanor.

You could face a fine of at least $150. If you are involved in an accident you will be assessed 14 points against your driver's license, which will cause an immediate suspension of your license. - If you don't maintain proof of financial responsibility, your license will be suspended for anywhere from 30 days to one year. You could also face 30 days in jail and/or a $100 fine. Plus, you'll have to show proof of insurance through a SR-22 filing with the state for three years from the date that you were found guilty.

The SR-22 form is proof that you have insurance on all the vehicles you own. Even if you don't own a vehicle, you'll still need to have an operator or non-owner insurance policy. You'll have to inform either your insurance agent or your insurance company that you require an SR-22 form to be filed on your behalf. - The state provides additional information about SR-22 filings.

To get your license back, you'll have to pay a $50 reinstatement fee, plus any application fees. If your license has expired in the meantime, you'll need to pass the required tests again.


SD Department of Insurance Contact Information:

1-605-773-3563

SD State Insurance Department Website:





Directory of South Dakota Auto Insurance Agents by County

Aurora
Beadle
Bennett
Bon Homme
Brookings
Brown
Brule
Butte
Campbell
Charles Mix
Clark
Clay
Codington
Corson
Custer
Davison
Day
Deuel
Dewey
Douglas
Edmunds
Fall River
Faulk
Grant
Gregory
Haakon
Hamlin
Hand
Harding
Hughes
Hutchinson
Hyde
Jackson
Jerauld
Jones
Kingsbury
Lake
Lawrence
Lincoln
Lyman
Marshall
Mccook
Mcpherson
Meade
Miner
Minnehaha
Moody
Pennington
Perkins
Potter
Roberts
Sanborn
Spink
Stanley
Sully
Tripp
Turner
Union
Walworth
Yankton
Ziebach

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