South Dakota Car Insurance

South Dakota is a state that has a ton of mountain passes, So who wouldn’t want to take a stroll to the nice beautiful landscape to enjoy? You to do that you would need a vehicle and a long tie that car insurance. It’s got your car insurance we’re here to help, we want you to understand everything you need to know about South Dakota car insurance and the steps you need to take get yourself a comparable rate and even call savings each month.

Required Coverages

Are you to legally drive in South Dakota they have a minimum requirement of car insurance that you need. When compared to other states it’s a lot busier than what most people are used to, but hey I can save you some trouble of going through Define is exactly what you want on your insurance policy.

  • $25,000 of bodily injury coverage per person
  • $50,000 of bodily injury coverage per accident
  • $25,000 of property damage car accident
  • $25,000 of an insured motorist coverage per person
  • $50,000 of uninsured motorist coverage per accident
  • $25,000 of underinsured motorist coverage per person
  • $50,000 of  underinsured motorist coverage  car accident

Optional Coverages

Although if you prefer to have more coverage options on your current policy these are available for you. In most cases, customers choose to add optional coverages to add more protection talk to their car insurance.

Depending on the company the optional coverages can vary. So before you actually sign the agreement, look into what coverages they have and how it can benefit you and also shop around to get the best an affordable rate.


Is South Dakota a no-fault State?

Driving in South Dakota you aren’t required to carry any fault insurance. They follow the fault insurance law meaning that you would have to pay for damages if you are guilty in the accident. In addition to all of this, the person who has been not guilty can sue for additional lost wages and pain and suffering.

Average Cost of Insurance in South Dakota

Being that it is a no-fault state, South Dakota sits below the national average at 11%. Making them one of them more affordable states to live in when it comes to car insurance and you’re looking at about $1,268 each year.