The law states that motorists must maintain financial responsibility if they intend to operate a vehicle. The most common method of compliance is to purchase an automobile policy from an insurer. Obtaining multiple quotes from various companies and completing a comparison amongst them is the most effective way to save on coverage.

Getting quotations and comparing them no longer has to be a time consuming ordeal. Consumers can receive the rates of carriers online in a matter minutes. Upon completing and submitting a simple form consisting of basic questions, an individual can receive the prices of premiums from several reputable companies in a manner that is fast and efficient.

Obtaining Cheap Car Insurance in South Dakota

Shopping for automobile coverage is done effectively with a little bit of preparation. First and foremost, one should determine the type of protection that they need for their particular situation. Paying for additional options on policies that are not needed is a common mistake. An example would be to have comprehensive and collision on an older vehicle; the premium and the deductible may add up to more than the car's value which in turn may outweigh any compensation due to the insured if it were to be damaged.

When locating and comparing South Dakota auto insurance rates of insurers be sure to ask about any discounts that are offered. This can save a significant amount of money on premiums, especially if eligible for more than one. Some of the most common are as follows:

  • Good driver Mt. Rushmore
  • Good student
  • Multi-Car
  • Low annual mileage
  • Anti-theft devices
  • Safety feature (air bags, automatic seatbelts, etc.) Always obtain as many quotations as possible and compare them before making a final decision. Taking this approach while shopping around combined with any discount that one may be eligible for can help a motorist save a significant amount on the cost of coverage.

South Dakota Car Insurance Laws

The SD Division of Insurance dictates that all motorists must carry proof of financial responsibility at all times when operating an automobile. The automobile coverage requirements are as follows:


  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more people
  • $25,000 for damage to other's property

Uninsured and Underinsured Motorist (UM/UIM)

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more people

According to South Dakota car insurance laws proof of these policies must be presented when asked by a law enforcement officer or at the scene of an accident. Failure to carry the required limits is considered a Class 2 misdemeanor and can result in penalties such as; $100 fine and up to 30 days in jail, suspension of license and/or having to file an SR-22 with the Motor Vehicle Division.