Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

South DakotaSouth Dakota is one of the least populated states in the United States. While South Dakota may not be known for a larger population, drivers in South Dakota need to have auto insurance. South Dakota is among the many states that have set minimum standards for auto insurance and drivers must meet these minimum requirements in order to operate a vehicle in South Dakota.

Table of Contents

South Dakota Auto Insurance Laws And Requirements

In South Dakota, the state liability coverage minimums are:
  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage – $50,000 per accident
  • Property Damage Coverage – $25,000 per accident

Take a look at how South Dakota’s minimum rates compare with surrounding states.

View as image
Uninsured/Underinsured Motorist coverage minimums:
  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage – $50,000 per accident
Optional coverage options in SD include:
  • Comprehensive Coverage
  • Collision Coverage
  • Roadside Assistance / Towing Coverage
  • Medical Payments Coverage
  • Rental Car Reimbursement Coverage
  • Custom Parts and Equipment Coverage

South Dakota drivers must have 25/50/25 coverage. This means that a driver must have a minimum of $25,000 in bodily injury insurance per party along with $50,000 total coverage per accident. $25,000 in coverage must also be included in the policy for property damage liability insurance. Drivers in South Dakota are also required to have coverage to protect against under insured/uninsured motorists. Drivers are not required to have collision or comprehensive automobile insurance in South Dakota.

Bodily injury insurance protects drivers when they are involved in an accident and injure another person. Bodily injury insurance also protects passengers in your vehicle as well as other vehicles when they are involved in an accident. South Dakota requires drivers to have this insurance to protect against potential medical injuries. Drivers should consider purchasing more than the state minimum for bodily injury insurance as it may cost the driver more money down the road in legal fees/court costs.

Property damage liability insurance covers the cost of the other parties vehicle and any possessions that are involved in the accident. One example of this policy in action would be if you were to hit a vehicle as well as a house. The driver of the vehicle would be paid from this insurance policy as well as the owner of the house. South Dakota law requires that drivers have $25,000 minimum in property damage liability coverage. Drivers should strongly consider purchasing additional coverage to protect against future liability. Many accidents exceed $25,000 in property damage and may cost as much as $100,000 or $200,000 to have all claims paid out. Drivers who lack property damage liability insurance above the state minimums may be sued and forced to pay out the excess cost.

Collision coverage is another option for South Dakota auto insurance policies. While a collision policy is not required, drivers should strongly consider adding insurance coverage onto their vehicle if it is worth over $4,000. Having a vehicle worth over $4,000 often means that a collision policy will pay for itself. Collision coverage comes with a sliding deductible. Individuals can decide which level of coverage is right for them. A lower deductible does mean a higher monthly insurance payment. However, it means less money coming out of your pocket when you file a claim. Drivers should keep this in mind when deciding upon the deductible that is correct for them.

Personal injury protection is another policy that is not required in South Dakota. However, drivers should strongly consider purchasing PIP protection. This policy protects a driver in case of personal injury during an auto accident. A personal injury protection policy will pay costs such as lost wages, medical expenses and other costs that are incurred by a driver when they are involved in an accident. PIP often costs a few dollars extra per month and can provide hundreds of thousands of dollars in extra coverage for individuals. Many auto insurance companies offer different levels of coverage and drivers should carefully consider which level of coverage is appropriate for their needs.

Comprehensive auto insurance is another optional insurance policy that many drivers choose to add to their policy. Comprehensive auto insurance protects a vehicle if it were to be involved in a fire, natural disaster or be broken into. Drivers should look at the cost of the additional premium monthly versus the cost of replacing their car. A driver who does not have a comprehensive auto insurance policy and has a vehicle stolen/set on fire may realize that the additional coverage was well worth it. Comprehensive auto insurance policies often have a deductible option. Some drivers may choose a low deductible in order to be able to easily have their vehicle repaired. Other drivers choose to have a high deductible to lower their monthly premium.

Luckily the insurance rates in Wisconsin are much cheaper in comparison to the other states in the nation.

View as image

The statewide average for auto insurance is just under $1,100 per year, which is less than $100 a month. Compared to the national average, this rate is more than $300 less. What’s even better is that the rate doesn’t change much when going from an average rural area to the big city.

We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

View as image

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

View as image

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

View as image

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

South Dakota Auto Insurance rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

View as image

But which companies are the largest, holding the most market share percentage in the region?

View as image

Comparing Auto Insurance Quotes In South Dakota

Drivers in South Dakota should carefully review their different options available for South Dakota auto insurance. There are a number of policies available and drivers must ensure that the policy they select is right for their needs. If you are a South Dakota driver, enter your zip code above to start getting insurance quotes.

South Dakota Auto Insurance Agents Directory

Additional Auto Insurance Resources In South Dakota