South Dakota Auto Insurance

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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.

south dakota auto insurance

South Dakota Car 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
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.

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.

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