South Dakota Auto Insurance Guide

Not only is South Dakota a great place to live, it's a great place to purchase auto insurance thanks to the state's very affordable rates. With auto insurance in South Dakota so affordable though, the state is a strict enforcer of insurance laws. Find out more about South Dakota's auto insurance requirements and laws here!

South Dakota Car Insurance Regulations

As drivers in the state already know, South Dakota has very strict auto insurance requirements. Driving without the proper coverage will almost certainly result in fines of over $150 and could lead to the suspension of your license. Getting your license back will cost you reinstatement fees too. If you're involved in an accident and don't meet the minimum auto insurance laws, you could even be charged for a misdemeanor and face jail time.

Mandatory Minimum Coverage in South Dakota

South Dakota auto insurance laws require that all vehicles on the road meet their minimum coverage amounts:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

South Dakota also requires that you have some form of uninsured or underinsured motorist coverage as well. This type of coverage is meant to protect you in the case that you're involved in an accident with a driver who does not meet the state's auto insurance requirements.

Motorcycle Coverage Requirements

As far as motorcycle auto insurance in South Dakota goes, you'll need to ensure that your policy meets these minimum requirements:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

South Dakota Auto Insurance Advice

As one of the least expensive states to buy a policy, most people should have no problem affording auto insurance in South Dakota. Despite having auto insurance laws that require uninsured motorist coverage, South Dakota is generally in the top 5 least expensive states to buy car insurance. With policies so inexpensive, you can probably afford to purchase more than just the required auto insurance coverage. We recommend investing in a policy that also has collision and comprehensive coverage if possible.