Does South Dakota require auto insurance?
A car insurance policy with a minimum amount of liability coverage is required in South Dakota, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want.
As of January 2023, 25/50/25 liability coverage limits are the minimum required in South Dakota.
COVERAGE TYPE
SOUTH DAKOTA MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist liability
$25,000 per person; $50,000 per accident
Underinsured motorist liability
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Bodily injury liability
SOUTH DAKOTA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
SOUTH DAKOTA MINIMUM REQUIREMENTS
$25,000 per accident
COVERAGE TYPE
Uninsured motorist liability
SOUTH DAKOTA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Underinsured motorist liability
SOUTH DAKOTA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What is the average cost of car insurance in South Dakota?
South Dakotans paid an average of $925 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s less expensive than the national average of $1,176 per year for coverage, the NAIC report shows. Since then, insurance premiums in most states have changed. Also, your cost will depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
Is South Dakota a no-fault state?
South Dakota is what’s called an add-on no-fault state. Drivers can purchase personal injury protection coverage and receive compensation from their own insurance company as they do in no-fault states, but lawsuits are not restricted, as is common under no-fault laws. (In an at-fault state, drivers who cause a crash are responsible for paying the costs of injuries to the other party.)
What does car insurance typically cover in South Dakota?
A typical car insurance policy in South Dakota includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Read more about coverage options in South Dakota with a Farmers Flex Personal Auto policy.
South Dakota car insurance discounts
Farmers offers a variety of discounts for drivers in South Dakota. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in South Dakota.
Mount Rushmore National Memorial
The heads of the four presidents carved into Mount Rushmore granite — George Washington, Thomas Jefferson, Theodore Roosevelt and Abraham Lincoln — are about 60 feet tall. Each eye is 11 feet wide, each mouth 18 feet. — National Park Service
More coverage options in South Dakota
South Dakota home insurance
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