South Dakota Auto Insurance Information
Under South Dakota law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability (BIL) insurance, which covers medical expenses for the other driver, cyclist or pedestrian when
the accident is the insured driver’s fault. South Dakota also requires drivers to carry at least $25,000 in
Property Damage Liability (PDL) insurance, which helps pay expenses to repair or replace a damaged vehicle when
the accident is the insured’s fault. Neither BIL or PDL insurance covers the insured’s expenses in the accident.
Keep in mind that these are the minimum requirements, and it is wise for drivers to purchase higher coverage
limits to protect their personal assets in the event of a crash.
The state requires drivers to purchase a minimum of $25,000 per person and $50,000 per accident in uninsured or
underinsured motorist coverage.
Collision and comprehensive coverage are not required in South Dakota, but the lenders of leased or financed
vehicles will almost certainly mandate such coverage. Even if the vehicle is owned outright, it is often wise to
buy collision and comprehensive coverage if you could not afford to replace the car after a serious crash.
SR-22 Insurance in South Dakota
Drivers whose licenses have been suspended or revoked in South Dakota must have their insurance company file an
Form, Certificate of Financial Responsibility, prior to license reinstatement. If convicted for failure to
an SR-22 Form, a Class 2 misdemeanor, penalties include
up to 30 days in jail and up to a $100 fine, as well as the
loss of license for between 30 and 365 days. SR-22 Forms require filing for three years.
South Dakota Drivers Statistics
Just under 900,000 people call The Mount Rushmore State home, and approximately 628,000 hold driver’s licenses.
sparsely populated state named for its native Indian tribes is primarily agricultural, and most people live in
Major industries include manufacturing, mining, biosciences, and cybersecurity. The top agricultural products
beef, dairy, pork, and poultry, as well as corn, soybeans, hay, and wheat.
According to the South Dakota Department of Agriculture, roughly 97 percent of farms in the state are
and operated, and many have been in the same family for a century or more. There are almost 49,000 producers in
state on about 30,000 ranches or farms. The average South Dakota farm was 1,443 acres in 2017.
While the Mount Rushmore National Memorial is the state’s most popular attraction, there are many others. A lot
history happened in South Dakota, and history buffs and outdoor enthusiasts may explore Custer State Park,
National Park, Wind Cave National Park, the Mammoth Site in Hot Springs for bone viewing, and the Wild West town
South Dakota Auto Insurance & Accident Facts
South Dakota is among the states with the lowest number of fatal motor vehicle accidents, but the fatality rate
risen in recent years. In 2018, 101 drivers lost their lives on South Dakota roadways, a decline from the 111
in 2017, a number that set an unfortunate recent record. There was a total of 29,229 collisions in total, with
drivers behind the wheel in 58 percent of the accidents and female drivers making up 42 percent.