South Dakota car insurance

Winding road along mountainscape in South Dakota

Common questions about South Dakota
auto insurance

Need car insurance in South Dakota? Whether you live in Rapid City or Sioux Falls, Liberty Mutual can help you save on auto insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your South Dakota auto insurance, so you only pay for what you need.

What car insurance is required in South Dakota?

In South Dakota, it's illegal to drive without insurance. Drivers in South Dakota are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability
Uninsured/Underinsured Motorist Coverage

Here are the minimum auto insurance limits drivers must have in South Dakota.²

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident
Uninsured/Underinsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident

Check out the South Dakota Department of Labor and Regulation for more details.

What is considered "full coverage" car insurance in South Dakota?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of South Dakota you're only required to have the state Liability minimums and Uninsured/Underinsured Motorist Coverage.

However, “full car insurance” or "full coverage" is often thought of as having the state minimums and

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in South Dakota when you get an online auto insurance quote.

What liability insurance is required in South Dakota?

South Dakota law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings. SD also required Uninsured/Underinsured Motorist Coverage.

Drivers must have a car insurance policy with the minimum coverages of

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured/Underinsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident

You may see this written as 25/50/25.

Remember, this is only the minimum coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

Is South Dakota a no-fault insurance state?

No, South Dakota is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, South Dakota drivers may want to consider Personal Injury Protection (PIP) Coverage.

This coverage can help cover you if you're in an accident with an underinsured or uninsured driver. While this coverage is optional, it's recommended to have it.

What is the average cost of car insurance in South Dakota?

The average cost of car insurance in South Dakota is $1,578³ in 2021 according to thezebra.com. That's 3% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on South Dakota auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with South Dakota state highlighted

Who has the cheapest car insurance in South Dakota?

Getting the cheapest car insurance in South Dakota may sound great, but that cheap rate can come at a cost when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴