South Dakota Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

South Dakota mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Failure to provide valid proof of insurance could result in a suspended license, $100 fine, and 30 days to 1 year imprisonment. There is a $50 fee to have a license reinstated.

South Dakota Minimum Liability Coverage
Each state sets its own minimum liability amounts. In South Dakota they are as follows:

• Bodily Injury for One Person: $25,000
• Bodily Injury for All Injuries: $50,000
• Property Damage: $25,000

South Dakota Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

South Dakota requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
In South Dakota, you are not required to carry no-fault insurance. South Dakota is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.