south dakota car insurance
Hi there, South Dakota driver, and welcome to our fact sheet. You'll find everything from South Dakota's coverage requirements to car insurance discounts worth looking into.
South Dakota car insurance requirements
South Dakota drivers are legally required to carry car insurance policies with bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.
Bodily injury and property damage liability can help pay for medical expenses and property damage you cause in an at-fault car accident. Uninsured/underinsured motorist coverage can pay for your medical expenses if the at-fault driver is uninsured or doesn't have enough insurance coverage.
Shopping for South Dakota car insurance
Although Esurance doesn't currently offer coverage to South Dakota drivers, we can help you shop and compare real rates from top companies.
Start your free quote here.
Proof of car insurance
Since car insurance is mandatory in South Dakota, drivers need to carry proof of coverage in their cars and trucks.
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.
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
Uninsured drivers in South Dakota
According to a 2011 report from the Insurance Research Council (IRC), 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.
The good news? Uninsured motorist coverage is required in South Dakota, so you'll have some degree of financial protection in case you're injured in an accident with an at-fault uninsured driver.
Car insurance discounts to watch for in South Dakota
Discounts vary by insurer, but here are a few that could help you save:
- Safe driving discount
- Multiple car discount
- Homeowners discount
- Safety device discount
- Paid in full discount
A handful of additional discounts may be available, depending on the insurer. Never hurts to ask!
Optional car insurance coverages that may be available:
- Collision coverage
- Comprehensive coverage
- Medical payments
- Towing and labor costs
- Rental reimbursement
- Accidental death indemnities
- Accidental disabilities
Some coverages, like collision and comprehensive, may be required by your lease or finance company if you loan or lease your car. Other coverages, like loan/lease gap coverage, might also be available.
Related links
South Dakota driving guide
Get the scoop on driving in South Dakota.
South Dakota's Division of Insurance
Learn more about insurance regulations in South Dakota