Comparing auto insurance in South Dakota is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
South Dakota drivers may want to consider comprehensive coverage because hail, windstorm, flooding, fire, theft, vandalism, glass breakage and animal collisions can cause losses that state-minimum liability coverage will not pay for.
South Dakota average rates are below Bankrate’s listed national averages for both full and minimum coverage, but premiums can rise after speeding tickets, at-fault accidents, DUI convictions, poor credit or coverage lapses.
25/50/25
South Dakota requires proof of financial responsibility, which most drivers satisfy with auto insurance. A minimum policy is commonly listed as $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. South Dakota policies must also include uninsured motorist coverage, and underinsured motorist coverage is provided with liability policies at limits equal to the policy’s bodily injury limits, subject to statutory caps unless higher limits are requested.
At Fault
Offer/Rejection Rule
PIP is not required in South Dakota. South Dakota is an at-fault state, so injury and property damage claims generally depend on who caused the crash.
Required
South Dakota requires uninsured motorist bodily injury coverage on auto policies. Underinsured motorist coverage must also be provided with liability policies at limits equal to the policy’s bodily injury limits, subject to statutory caps unless higher coverage is requested.
Recent rate data estimates South Dakota annual auto insurance premiums at about $2,300 for full coverage and $374 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $374 | $31 |
| Full coverage | $2,300 | $192 |
| Full coverage with speeding ticket | $2,708 | $226 |
| Full coverage after at-fault accident | $3,122 | $260 |
| Full coverage after DUI | $3,944 | $329 |
| Full coverage with poor credit | $5,587 | $466 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
South Dakota minimum coverage focuses on required protection such as South Dakota requires proof of financial responsibility, which most drivers satisfy with auto insurance. A minimum policy is commonly listed as $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. South Dakota policies must also include uninsured motorist coverage, and underinsured motorist coverage is provided with liability policies at limits equal to the policy’s bodily injury limits, subject to statutory caps unless higher limits are requested.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
South Dakota may require proof of financial responsibility after certain suspensions or revocations, including judgment, no-insurance conviction, vehicular homicide, DUI or a second reckless driving offense within one year. DPS guidance says most motorists provide this proof through an SR-22 filing from their auto insurer. A conviction for failure to maintain proof of financial responsibility can require SR-22 filing for three years from the conviction date.
South Dakota does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your South Dakota auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to South Dakota drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, low-mileage and telematics discounts. Rural drivers or people with short commutes may benefit from usage-based or low-mileage programs.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | USAA |
| 2 | State Farm |
| 3 | Progressive |
| 4 | Allstate |
| 5 | Farmers |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major South Dakota cities:
South Dakota minimum liability coverage is commonly listed as 25/50/25: $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. South Dakota policies must also include uninsured motorist coverage, and underinsured motorist coverage is provided with liability policies at limits equal to the policy’s bodily injury limits, subject to statutory caps unless higher limits are requested.
No. South Dakota is an at-fault state, so the driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in South Dakota.
Yes. South Dakota requires uninsured motorist bodily injury coverage on auto policies. Underinsured motorist coverage must also be provided with liability policies at limits equal to the policy’s bodily injury limits, subject to statutory caps unless higher limits are requested.
Bankrate lists South Dakota’s average annual cost at $2,300 for full coverage and $374 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
South Dakota may require an SR-22 after certain suspensions or revocations. DPS guidance says most motorists provide future proof of financial responsibility through an SR-22 filing from their auto insurer, and a no-insurance conviction can require SR-22 filing for three years from the conviction date.
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Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
