South Dakota Auto Insurance Policy Requirements

Q: What is in a basic South Dakota auto insurance policy?
A: An automobile insurance policy in South Dakota may include the following components:

  1. Liability Coverage
    1. Because people and property are completely different insurance concepts, liability insurance is separated into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in South Dakota. South Dakotans must obtain liability coverage in their auto insurance policies:
      1. 25/50/25” (South Dakota’s minimum auto insurance requirement)
      2. $25,000 for injury/death to one person.
      3. $50,000 for injury/death to more than one person.
      4. $25,000 for damage to property.
    3. Leased vehicles have different liability minimum requirements.
  2. Collision Coverage is a compulsory requirement if your vehicle is financed (not completely paid for). Collision is simply recommended to be included in a South Dakota auto insurance policy if the vehicle has been paid for.
  3. Comprehensive Coverage is also a compulsory requirement if your vehicle is financed. Comprehensive is simply recommended to be included in a South Dakota auto insurance policy if the vehicle is not financed.
  4. Medical Payments Coverage is not a required kind of coverage for automobile insurance policies in South Dakota.
  5. Uninsured (and Underinsured) Motorist Coverage is a compulsory part of a South Dakota insurance policy.
  6. Personal Injury Protection (PIP) Coverage, while not required for a South Dakota auto insurance policy, is a worthy addition.
  7. Other Policy Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is South Dakota a No-Fault state?
A: No, South Dakota is not a no-fault state.

Q: How can I get a discount on a South Dakota auto insurance policy?
A: You may qualify as a candidate for discounted auto insurance. See this list of auto insurance discounts for more information.

Q: Where can I find more information about South Dakota auto insurance?
A: Please take advantage of these authoritative sources of information on auto insurance in South Dakota:
  1. South Dakota Insurance Resources
    1. The South Dakota Motor Vehicles Division (MVD) deals with titling and registration, license plates, and driver’s licenses. NO INSURANCE INFO
    2. The South Dakota Division of Insurance is a state-run regulatory agency that provides consumers with insurance information. Their list of automobile insurance facts is particularly thorough.
  2. National Insurance Resources

Whether you live East River or West River of the Missouri, CLICKinsure, provides its premium brokerage services to the entire state of South Dakota. From the bison-covered Black Hills and Mt. Rushmore to the towering buttes of the Great Plains and the gold lode of the Homestake Mine, CLICKinsure can help you plot a route towards securing auto insurance coverage. We serve the entire grand state of South Dakota, including the cities of Sioux Falls, Rapid City, Aberdeen, Watertown, Brookings, Mitchell, and Pierre.