get a south dakota car insurance quote from esurance

or call 1-800-378-7262

Or call 1-800-378-7262.

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 auto 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 personalized South Dakota car insurance quote in mere minutes and discover the smart ways you could be saving today.

I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

– Paul, Florida

Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

– Maudryanna, North Carolina

The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

– Aaron, Virginia

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
  • Multi-Policy discount
  • Fast 5® discount
  • Claim-Free discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Homeowners discount
  • DriveSense® 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
  • Collision
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")
  • Towing and labor
  • Medical payments
  • Accidental death benefits
  • Total disability/loss of income

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

But with the exception of state-required liability, the rest of your policy is up to you. At Esurance, we believe auto insurance should be fast, flexible, and enable you to make smart decisions with your protection. Cue CoverageMyWay®, an intuitive online system that helps prioritize your car coverage options so you can choose what you believe best suits you. All you need to do is start a quote to see it in action.

car insurance facts and stats

Uninsured drivers in South Dakota

According to a report from the Insurance Research Council, 7.8 percent of South Dakota drivers were uninsured in 2012. This was well below the national average of 12.6 percent.

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.

Electronic proof of insurance in South Dakota

State law allows motorists in the Mount Rushmore State to provide digital proof of insurance if they ever get pulled over — meaning they can simply pull up their auto insurance ID cards on their smartphones.

If you're a South Dakota resident with an Esurance car insurance policy, you can download our 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 (paper or electronic)
  • A certificate of deposit issued by the State Treasurer
  • A certificate of self-insurance

Related links

South Dakota renters insurance
See how renters coverage can help protect valuables in your South Dakota pad.

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

Get a quote to see how surprisingly painless insurance can be

or call 1-800-378-7262

Or speak with a licensed agent at 1-800-378-7262.