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South Dakota Car Insurance Resources

South Dakota Car Insurance

Car Insurance Rates in SD

^ From 2006 to 2010, South Dakota cities had the 50th highest auto insurance rates in the nation. [2]

Car Insurance in SD by City

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Cars Insured in SD

^ South Dakota ranked 44th of all U.S. states in total auto insurance policies in 2011. [1]

SD Car Insurance

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

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

South Dakota Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in SD
    • The uninsured motorist rate in SD ranked 43rd in the nation in 2009. [3]

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. [7]
  • Motorcycle Helmet Laws in SD
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in SD
    • Renewal cycle: 5 years [7]

South Dakota Auto & Driver Facts

South Dakota Automotive Facts

South Dakota Auto & Driver Facts
  • Speed Limits in SD
    • Rural interstates: 75 mph [7]
    • Urban interstates: 75 mph [7]
    • Other roads: 70 mph [7]
  • Motor Fuel Consumption in SD
    • South Dakota cities collectively ranked 45th in the nation in total motor fuel consumption in 2011. [9]

South Dakota Licensed Drivers

  • Licensed Drivers in SD [10]
    • Total Drivers: 603,258
    • Female: 300,232
    • Male: 303,026
    • 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. [6]

SD Car Insurance

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?

California has a program that offers low-cost auto policies to low-income drivers (California Assigned Risk Program).

References

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

South Dakota Cities