The General® is pleased to offer insurance in the Mount Rushmore State. From the Black Hills in Rapid City to the falls of the Big Sioux River in Sioux Falls, The General® has you covered. We offer low cost auto insurance even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked.

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Below is some information that should help answer some of the more common questions we receive from our South Dakota customers.

South Dakota Mandatory Coverages

South Dakota drivers must have liability insurance to help cover another driver’s expenses resulting from an accident for which you are at fault. The coverage minimums are:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident
Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident

Frequently Asked Questions Regarding South Dakota Auto Insurance

What is Uninsured/Underinsured Motorist cover?

Coverage which protects you and the people in your car in the event another driver hits you with inadequate insurance coverage or no auto insurance at all.

What is an SR-22?

SR22 is a document often required by a state’s Department of Transportation (DOT) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

SR-22 certificates are often required for drivers who have been found driving without insurance or without proof of insurance

What if you are currently driving without coverage?

It is against the law to drive in South Dakota without car insurance. If you are pulled over and found to be driving uninsured, you could face:

  • Fine of $100
  • Up to 30 days in jail
  • Suspension of your driver’s license for up to 1 year
  • Mandatory SR-22 for 3 years

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

South Dakota Department of Insurance
South Dakota Department of Transportation
South Dakota Highway Patrol
The Official Website of the State of South Dakota