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Minimum State Insurance Requirements » South Dakota

25 / 50 / 25

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $25,000



South Dakota Car Insurance Information

South Dakota car insurance information can assist drivers in acquiring the most affordable coverage available. Particular forums can help you find the best prices and receive tremendous savings on car insurance rates.

South Dakota Car Insurance Information

South Dakota is known for its scenic attractions and snowy weather. Thousands of people visit Mount Rushmore every year, stay in the various lodging locations and partake in other attractions throughout the state. The tourism to Mount Rushmore and the occasional snowfalls fortunately do not adversely affect the rate of car insurance in the state. South Dakota has one of the lowest annual insurance rates in the country and costs the average insured driver more than $1,000 less than residents of North Dakota. The relatively low population probably also assists the state in having some of the best prices for car insurance. Even so, there are various ways that you can save money on insurance rates if you live in South Dakota.

Car Insurance Minimum Requirements

South Dakota follows the common national trend by requiring 25/50/25 coverage to satisfy the state’s minimum requirements. This means that the minimum coverage includes $25,000 for injury liability for each person, $50,000 injury liability per each accident and $25,000 for property damage. While this coverage will not protect you from becoming personally liable to any amounts over these rates, the 25/50/25 coverage will allow you to meet the state’s minimum.

Car Insurance Companies

South Dakota car insurance companies consist of both locally owned insurance agencies as well as nationally recognized insurance companies. South Dakota does not have many metropolitan areas, but the availability of a wide selection of insurance companies can vary based on whether the insured driver lives or works in an urban area versus a rural area. Urban areas will provide the insured driver with more options for car insurance coverage, but the rate may be higher than the rate that rural drivers will enjoy. However, rural drivers may see increased rates because of the lack of competition in the area.

Free Car Insurance Quotes for South Dakota

Getting a quote on car insurance can help a driver gain a realistic perspective of the rates that are currently being offered from various car insurance companies. Visit to get a free quote. Type in your zip code and fill out basic demographic information and information about your vehicle and the coverage you need. You will then have the option to view a free quote from several car insurance companies in the area.

Car Insurance Rates

The average annual rate of car insurance in South Dakota is $1,054. This breaks down to about $87.83. Only ten states in the United States have a cheaper rate than South Dakota. Like drivers in every other state, insurance rates can vary widely based on the driver’s age, experience level, number of miles she drives on average and the vehicle that is being insured. Use to get a free auto insurance quote.