Car Insurance in South Dakota
Car Insurance Liability Requirements in South Dakota
Minimum Liability Limits in SD: 25/50/25 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in South Dakota
Auto Insurance Coverage Requirements in SD [ 4]
Bodily injury liability coverage Property damage liability coverage Uninsured motorist coverage Underinsured motorist coverage Car Insurance Verification Laws in South Dakota
Insurer Verification of Auto Insurance in SD [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
South Dakota Car Insurance Facts, Estimates & Related Laws
South Dakota Car Insurance Facts
Average Car Insurance Rates in SD
South Dakota had the 51st highest auto insurance rates in the nation in 2010.
[ 2] Rates in SD ranked 50th in the nation in 2009.
[ 2] In 2008, SD had the 50th highest rates in the country.
Number of Auto Insurance Policies in SD
South Dakota ranked 44th in the nation in auto insurance policies in 2011 with a total of 687,592.
Uninsured Motorist Rate in SD
The uninsured motorist rate in SD ranked 43rd in the nation in 2009.
South Dakota Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for learner's permit and intermediate license holders. [ 7]
Young drivers cell phone ban? Yes Ban applies to learner's permit and intermediate license holders. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Secondary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
South Dakota Automotive Laws
Safety Belt Laws in SD
Safety belt laws have been in place since 1995 and apply to drivers/passengers 18+ years in front seat.
[ 7] Child restraint law in place for 4 years and younger and less than 40 pounds.
Motorcycle Helmet Laws in SD
Motorcycle helmets required for 17 and younger.
Driver's License Renewal Cycle in SD
Renewal cycle: 5 years
South Dakota Auto & Driver Facts
South Dakota Automotive Facts
Speed Limits in SD
Rural interstates: 75 mph
[ 7] Urban interstates: 75 mph
[ 7] Other roads: 70 mph
Motor Fuel Consumption in SD
South Dakota cities collectively ranked 45th in the nation in total motor fuel consumption in 2011.
South Dakota Licensed Drivers
Licensed Drivers in SD [ 10]
Total Drivers: 603,258
SD has the 46th most drivers in the U.S.
Minimum Driving Age in SD [ 5]
South Dakota has a minimum driving age of 14 years.
South Dakota Auto Registrations
Auto Registrations in SD [ 8]
Registered Cars: 384,573
Registered Trucks: 538,595
Registered Motorcycles: 69,670
Total Registrations: 995,423
Rank: South Dakota ranked 44th in the United States in total auto registrations in 2011.
Additional information about South Dakota
About South Dakota
South Dakota has a population of approximately 814,180, which ranks 46th in the U.S. among all states.
More about South Dakota auto insurance
For more information about auto insurance in SD, or for additional resources regarding
South Dakota car insurance, visit the South Dakota Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration