Whether you’re moving to South Dakota, registering a motor vehicle for the first time, or just thinking about adding some extra auto insurance coverage to your existing policy, there are a few things you need to know before doing anything!

South Dakota is a “Tort” state, meaning that each driver is legally and financially responsible for all damages and injuries during an accident for which they are at fault. With this in mind, the state has some state minimum insurance requirements to legally operate an automobile.

First, liability insurance with minimum levels of 25/50/25 (see chart below) are mandatory. This will help to cover your financial responsibility to the other party, if you are at fault in an accident.

Second, underinsured motorist coverage is also mandatory, with the same minimum levels of 25/50. This coverage will assist you in expenses, should you be struck by a motorist without enough liability coverage.

For extra protection, South Dakota drivers may purchase optional coverages like collision, comprehensive, uninsured motorist, and/or medical payments for an optimum auto insurance policy.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $25,000 per person$50,000 per accident
Property Damage Liability Yes $25,000
Uninsured/Underinsured Motorist Bodily Injury Yes $25,000 per person$50,000 per accident
Personal Injury No


Auto Insurance for Leased Vehicles in South Dakota (SD)

Most leasing companies in South Dakota typically require drivers to maintain insurance coverage which exceeds the minimums set by South Dakota state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible

Contacts For Auto Insurance In South Dakota

South Dakota Division of Motor Vehicles
445 East Capitol Avenue
Pierre, SD 57501-3185
South Dakota Division of Insurance 
445 East Capitol Avenue
Pierre, SD 57501

Auto Insurance Agents By City/Town In South Dakota