South Dakota car insurance: minimums, prices and your estimate
South Dakota requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
South Dakota requires both uninsured and underinsured motorist coverage on every policy, each matching your bodily injury liability limits up to $100,000 per person and $300,000 per accident. It is an at-fault state with no PIP requirement.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (at least 3 years)
What drivers in South Dakota can expect to pay
Monthly ranges from our model, anchored to South Dakota's position in 7 published price studies from 2025 and 2026 ($2,496 a year for full coverage and $436 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $179-$238 | $2,496 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $31-$42 | $436 |
| Young driver, full coverage20, own policy, clean record | $333-$499 | $4,992 |
| Senior, full coverage70, clean record | $172-$228 | $2,396 |
| After one at-fault accident35, full coverage | $268-$356 | $3,744 |
| After a DUI35, full coverage | $313-$469 | $4,692 |
| Poor credit35, clean record, full coverage | $319-$459 | $4,668 |
Build your South Dakota estimate
Rules worth knowing in South Dakota
- On a policy with the state minimum liability limits, you carry 25/50 of uninsured motorist coverage and 25/50 of underinsured motorist coverage.
- If you raise your bodily injury limits, both coverages must rise to match, up to $100,000 per person and $300,000 per accident. You can ask for more than that.
- South Dakota does not require PIP or medical payments coverage.
- Failing to keep insurance or another accepted form of financial responsibility is a misdemeanor. Instead of a policy, you can use a surety bond, a $50,000 cash or securities deposit, or a self-insurance certificate.
- In South Dakota, an SR-22 can be cancelled after at least 3 years if you had no conviction or forfeited bail in the previous 3 years that would require or allow a license suspension.
Questions about South Dakota car insurance
What is the minimum car insurance in South Dakota?
South Dakota requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in South Dakota per month?
For a 35-year-old with a clean record, our model puts full coverage at about $179 to $238 a month and state-minimum coverage at about $31 to $42. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is South Dakota a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in South Dakota use my credit score?
Yes. Many insurers in South Dakota use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in South Dakota?
Only if a court or the state requires one, usually after a serious violation or a lapse. In South Dakota, an SR-22 can be cancelled after at least 3 years if you had no conviction or forfeited bail in the previous 3 years that would require or allow a license suspension.