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south dakota car insurance

Good news, South Dakota drivers: Esurance offers car insurance in the Mount Rushmore State. Like the faces on your namesake monument, we're thrilled to lend our watchful eye all across your roads and be there whenever you need us. Unlike that granite foursome, however, we're way more flexible!

We make the car insurance process hassle-free by utilizing innovative online technology, like our comparison quoting tool, which allows you to size up affordable car insurance rates from other top-rated companies. Get a free South Dakota car insurance quote in mere minutes to see how much you could start saving today.

Car insurance discounts in South Dakota from Esurance

We're always digging deeper to find more ways to save residents of the Mount Rushmore State some money on car insurance. Here's a few of our unique discounts for South Dakota drivers:

  • Good Student discount
  • DriveSense™ discount
  • Fast 5® discount
  • Claim-Free discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount

Our Renters Plus® discount in South Dakota*

Already have an Esurance car insurance policy? You can add renters insurance to safeguard your belongings, too — and score a handy discount just for protecting your stuff.

If you're a current Esurance policyholder and have questions about your discounts, we're here to help at 1-800-ESURANCE (1-800-378-7262). Keep in mind that some exclusions may apply.

South Dakota auto insurance coverages

Required coverages

South Dakota drivers are legally required to carry liability insurance with at least the following limits:

  • $25,000 of bodily injury coverage per person
  • $50,000 of bodily injury coverage per incident
  • $25,000 of property damage coverage per incident
  • $25,000/$50,000 of uninsured motorist bodily injury coverage
  • $25,000/$50,000 of underinsured motorist bodily injury coverage

Optional coverages

You can add the following coverages to your South Dakota policy to give you extra protection and peace of mind in the event of a claim:

  • Comprehensive coverage
  • Collision coverage
  • CarMatch Rental Coverage®
  • Customized parts and equipment coverage
  • Auto loan/lease coverage
  • Towing and labor coverage
  • Medical payment coverage
  • Accidental death coverage
  • Total disability/loss of income coverage

Some coverages, like collision and comprehensive, may be required by your leasing agent or finance company if you lease or loan your car.

Car insurance facts and stats

Uninsured drivers in South Dakota

According to a 2011 report from the Insurance Research Council, 9 percent of South Dakota drivers were uninsured in 2009. This was well below the national average of 13.8 percent, but it still means nearly every tenth driver lacked adequate coverage.

Uninsured/underinsured motorist bodily injury coverage is required in South Dakota, so you'll have some financial protection in case you're injured in an accident caused by an uninsured or underinsured driver.

Proof of car insurance

Since auto insurance in South Dakota is mandatory, drivers need to carry proof of coverage in their vehicles.

In addition to a fine and possible jail time, your drivers license may be suspended if you're unable to provide proof of continuous coverage.

Luckily, it's easier than ever to show proof because state law now allows electronic proof of insurance coverage if you ever get pulled over.

If you're a South Dakota resident with an Esurance car insurance policy, you get automatic access to our free mobile app, where you can access your proof of insurance and other policy documents 24/7.

Documents verifying proof of insurance

The following documents can verify your South Dakota car insurance coverage:

  • Your actual policy documents
  • An insurance ID card
  • A certificate of deposit issued by the State Treasurer
  • A certificate of self-insurance

Related links

How to handle a blown tire
Get hands-on tips for tackling a blown tire.

South Dakota's Division of Insurance
Learn more about insurance regulations in South Dakota.

Wonder if you could be saving on car insurance?

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or call 1-800-378-7262