Minimum Car Insurance in South Dakota
The liability limits South Dakota requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: South Dakota requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. S.D. Codified Laws §§ 32-35-70, 32-35-113, 58-11-9, 58-11-9.4
| Minimum coverage required | South Dakota requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage. Alternatives to insurance are a bond, a $50,000 certificate of deposit of money or securities, or a certificate of self-insurance. Alternatives: https://sdlegislature.gov/Statutes/32-35-113 |
|---|---|
| At-fault or no-fault | South Dakota uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists South Dakota among the "Tort States Where Personal Injury Protection is Available/Required." |
| Uninsured motorist coverage | Required. Every auto liability policy on a vehicle registered or principally garaged in South Dakota must include uninsured motorist (and hit-and-run) coverage and underinsured motorist coverage equal to the policy's bodily injury limits. The required amount does not have to exceed $100,000 per person/$300,000 per accident unless the insured asks for more. UIM statute: https://sdlegislature.gov/Statutes/58-11-9.4 |
More South Dakota car insurance & vehicle laws
- Driving Without Insurance in South Dakota
- SR-22 Insurance in South Dakota
- When a Car Is a Total Loss in South Dakota
- Transferring a Car Title in South Dakota
- All South Dakota car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in South Dakota?
South Dakota requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage. Alternatives to insurance are a bond, a $50,000 certificate of deposit of money or securities, or a certificate of self-insurance.
Is South Dakota a no-fault car insurance state?
South Dakota uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists South Dakota among the "Tort States Where Personal Injury Protection is Available/Required."
Is uninsured motorist coverage required in South Dakota?
Required. Every auto liability policy on a vehicle registered or principally garaged in South Dakota must include uninsured motorist (and hit-and-run) coverage and underinsured motorist coverage equal to the policy's bodily injury limits. The required amount does not have to exceed $100,000 per person/$300,000 per accident unless the insured asks for more.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.