- Unlocking Your Savings: Mastering SR22 Insurance in South Dakota for Personal Lines Coverage
- South Dakota Requirements
- SR22 Insurance South Dakota and Child Support
- Reasons You May be Required to Carry SR22 Insurance
- SR22 Insurance South Dakota (Cheapest Rates by Company)
- Laws Pertaining to SR22 Insurance South Dakota
- Which Companies Offer SR22 Insurance in South Dakota
- Who has the Lowest Price on SR22 (By City) in South Dakota
- Need an SR22 but Do Not Own a Vehicle?
- Company Fees for SR22 in South Dakota
- Cost for SR-22 Insurance (Liability) in South Dakota
- Average Cost for SR-22 Insurance (Full Coverage) in South Dakota
- Frequently Asked Questions about SR22 Insurance South Dakota
- Frequently Asked Questions About SR22 Insurance in South Dakota
- What We Do at A Plus Insurance
South Dakota Requirements
Liability will pay out to another party if you are found At Fault in the event of an accident. These limits are $25,000 per person for bodily injury expenses, up to $50,000 per accident and $25,000 for property damage.
| State | State Min | PIP? |
|---|---|---|
| South Dakota | 25/50/25 | N/A |
SR22 Insurance South Dakota and Child Support
SR22 Insurance South Dakota-If your license has been suspended for failure to pay child support in South Dakota, you may be required to carry an SR-22. The typical amount of time required to carry an SR-22 is 1-3 years. You must provide proof of insurance to the state in order to reinstate your license.
Reasons You May be Required to Carry SR22 Insurance
SR22 Insurance South Dakota-Major violations typically require an SR-22, like the ones listed below. Minor violations, such as speeding, or failure to yield do not.
| Reasons for an SR22 |
|---|
| Multiple Traffic Offenses |
| DWI (Driving While Intoxicated) |
| Excessive Points Violations |
| Previous Incarceration |
| Suspension of License Due to Child Support |
| At Fault Accident with No Insurance |
| License Suspension for Failure to Pay Fines |
| Failure to Maintain Mandatory Insurance Coverage Required by State Law |
| Driving while Suspended / Revocation |
| DUI (Driving Under the Influence of Drugs or Alcohol) |
| Too Many Tickets in Short Period of Time |
SR22 Insurance South Dakota (Cheapest Rates by Company)
SR22 Insurance South Dakota-Liability Insurance is the minimum requirements per each state. Each state requires different liability limits, you can check your states requirements above. By having the minimum liability limits, you can add an SR-22 to the insurance policy, that will let the State know you are complying by carrying the required insurance.
| Company | SR22 Liability (Average) |
|---|---|
| State Farm | N/A |
| AssuranceAmerica | $111.00 |
| 21st Century | N/A |
| State Auto | N/A |
| The General | $67.00 |
| Travelers | N/A |
| GAINSCO | $79.00 |
| American Family | N/A |
| Safeco | N/A |
| Acceptance RTR | $98.00 |
| Progressive Insurance | $89.00 |
| Nationwide | N/A |
| Allstate | N/A |
| USAA | N/A |
| Farmers | $75.00 |
| Bristol West | $122.00 |
Laws Pertaining to SR22 Insurance South Dakota
SR22 Insurance South Dakota-The South Dakota Department of Revenue will require you to file an SR-22 filing after a suspended or revoked license. This will require you to carry the minimum liability limits The type of offense will determine the amount of time the SR-22 needs to be in force.
Which Companies Offer SR22 Insurance in South Dakota
| Company | SR22 Offered |
|---|---|
| National General | yes |
| Acceptance RTR | yes |
| Farmers | yes |
| State Auto | no |
| Progressive Insurance | Yes |
| Safeco | no |
| Dairyland | yes |
| Bristol West | yes |
| American Family | no |
| 21st Century | no |
| Travelers | no |
| Liberty Mutual | yes |
| GAINSCO | yes |
| Mendota Ins. Company | yes |
| USAA | no |
| The General | yes |
| Allstate | unsure |
| Geico | yes |
| AssuranceAmerica | yes |
| State Farm | unsure |
Not sure where to begin looking for SR-22 insurance? Check the list above for which companies do and do not offer SR-22 filings to make your search easier.
Who has the Lowest Price on SR22 (By City) in South Dakota
- Location: The city or town where you live in South Dakota can affect your SR-22 insurance rates. Urban areas may have higher rates due to increased traffic density, crime rates, and risk of accidents or theft.
- Driving Record: Your driving history is a significant factor in determining SR-22 insurance rates. If you have a history of traffic violations, accidents, DUI convictions, or license suspensions, you may face higher premiums.
- Age and Gender: Younger drivers, particularly teenagers, typically pay higher insurance premiums due to their lack of driving experience and higher risk of accidents. Additionally, gender can also impact rates, with young male drivers often facing higher premiums than females of the same age.
- Vehicle Type: The make, model, year, and value of your vehicle can influence SR-22 insurance costs. More expensive or high-performance vehicles generally have higher insurance premiums due to higher repair costs and theft rates.
- Coverage Limits: The amount of coverage you choose for your auto insurance policy will impact SR-22 insurance rates. Opting for higher coverage limits or additional coverage options, such as comprehensive and collision coverage, will result in higher premiums.
- Credit History: Some insurance companies use credit-based insurance scores to determine premiums. A higher credit score may result in lower insurance rates, while a lower score could lead to higher premiums.
- Insurance Company: Different insurance companies may offer varying rates for SR-22 insurance. It’s essential to shop around and compare quotes from multiple insurers to find the most affordable option for your situation.
- Discounts: Insurance companies often provide discounts for various factors, such as bundling multiple policies (e.g., auto and homeowners insurance), maintaining a clean driving record, completing defensive driving courses, or installing safety features in your vehicle.
Check your city below to find which insurance company has the cheapest SR-22 insurance rates for you. Many of the companies listed below specialize in SR-22 or ‘high risk’ customers, and are able to offer more affordable prices.
| City | Carrier |
|---|---|
| Sioux Falls | Geico |
| Hartford | The General |
| Brookings | Progressive |
| Brandon | Progressive |
| Vermillion | The General |
| North Spearfish | The General |
| Volga | Liberty Mutual |
| Hot Springs | Progressive |
| North Sioux City | Bristol West |
| Green Valley | Bristol West |
| Blackhawk | Bristol West |
| Fort Pierre | National General |
| Colonial Pine Hills | Geico |
| Pierre | Liberty Mutual |
| Custer | Dairyland* |
| Watertown | Progressive |
| Winner | Geico |
| Salem | The General |
| Wagner | Geico |
| Dell Rapids | The General |
| Chamberlain | Bristol West |
| Belle Fourche | Liberty Mutual |
| Porcupine | Dairyland* |
| Summerset | Geico |
| Clear Lake | The General |
| Mitchell | Liberty Mutual |
| Sturgis | Liberty Mutual |
| Yankton | Progressive |
| Canton | Progressive |
| Parkston | Liberty Mutual |
| Sisseton | Progressive |
| Lemmon | Progressive |
| Huron | Progressive |
| Worthing | Geico |
| Gregory | Progressive |
| Milbank | Bristol West |
| Pine Ridge | Bristol West |
| Beresford | Geico |
| Lennox | The General |
| Redfield | Progressive |
| Kyle | Progressive |
| Miller | Bristol West |
| Britton | Progressive |
| Fort Thompson | Farmers |
| Eagle Butte | Bristol West |
| Tea | Progressive |
| Elk Point | Dairyland* |
| Springfield | Progressive |
| Mission | The General |
| Dakota Dunes | Bristol West |
SR22 Insurance South Dakota
Need an SR22 but Do Not Own a Vehicle?
In South Dakota you can purchase a Non Owners policy, which covers you for liability insurance, driving any vehicle as long as you neither any household members do not own the vehicle. You can purchase this type of policy and add the SR-22 filing to comply.
Company Fees for SR22 in South Dakota
Its a common misconception that SR-22 insurance is expensive. SR-22 filings generally cost $0-$25 for each insurance term. Your driving history is what makes your insurance rates increase.
| Carrier | SR22 Filing Fee |
|---|---|
| Mendota Ins. Company | NA |
| Assurance America | NA |
| The General | $25.00 |
| Dairyland | Free |
| Travelers | na |
| Bristol West | $25.00 |
| Acceptance RTR | NA |
| National General | NA |
| State Auto | na |
| Safeco | na |
| Liberty Mutual | $15-$25 |
| 21st Century | na |
| State Farm | Unknown |
| GAINSCO | NA |
| Farmers | $15-$66 |
| Progressive Insurance | $25.00 |
| Geico | $25.00 |
| USAA | na |
Cost for SR-22 Insurance (Liability) in South Dakota
Only needing liability insurance? We have estimated the average cost for liability insurance with an SR-22 filing for the State of South Dakota based on city.
| City | Price |
|---|---|
| Lead | $91.00 |
| Kyle | $104.00 |
| Springfield | $107.00 |
| Dell Rapids | $109.00 |
| Baltic | $104.00 |
| Redfield | $101.00 |
| Winner | $90.00 |
| Rosebud | $98.00 |
| Milbank | $96.00 |
| Volga | $98.00 |
| Oglala | $109.00 |
| Deadwood | $88.00 |
| Clear Lake | $88.00 |
| Brookings | $95.00 |
| Whitewood | $87.00 |
| Blackhawk | $92.00 |
| Huron | $100.00 |
| Lennox | $100.00 |
| Green Valley | $90.00 |
| Madison | $109.00 |
| Brandon | $95.00 |
| Pine Ridge | $101.00 |
| Pierre | $86.00 |
| Beresford | $89.00 |
| Hot Springs | $110.00 |
| Rapid City | $105.00 |
| Vermillion | $108.00 |
| Belle Fourche | $110.00 |
| Sisseton | $103.00 |
| Fort Thompson | $86.00 |
| Gregory | $96.00 |
| Elk Point | $87.00 |
| Mission | $103.00 |
| North Spearfish | $106.00 |
| Mobridge | $87.00 |
| Colonial Pine Hills | $92.00 |
| Parkston | $109.00 |
| Aberdeen | $96.00 |
| Watertown | $95.00 |
| Sturgis | $95.00 |
| Clark | $96.00 |
| Eagle Butte | $99.00 |
| Rapid Valley | $100.00 |
| Freeman | $97.00 |
| Hartford | $97.00 |
| Arlington | $99.00 |
| Custer | $109.00 |
| Canton | $104.00 |
| Porcupine | $95.00 |
| Box Elder | $109.00 |
| Dakota Dunes | $89.00 |
| Crooks | $103.00 |
| Tea | $104.00 |
| Spearfish | $98.00 |
| North Eagle Butte | $109.00 |
| Harrisburg | $90.00 |
| Platte | $100.00 |
Average Cost for SR-22 Insurance (Full Coverage) in South Dakota
Financing a vehicle that requires full coverage, and also need an SR-22? Here is the average cost, by city, for full coverage with a Financial Responsibility Filing (SR-22).
| City | Price |
|---|---|
| Rapid Valley | $166 |
| Spearfish | $158 |
| Mission | $166 |
| Huron | $150 |
| Dell Rapids | $152 |
| De Smet | $151 |
| Custer | $170 |
| Volga | $146 |
| Groton and Webster | $148 |
| Aberdeen | $170 |
| Tea | $164 |
| Belle Fourche | $151 |
| Summerset | $164 |
| Wagner | $158 |
| Salem | $182 |
| Madison | $175 |
| Clear Lake | $154 |
| Winner | $157 |
| Crooks | $178 |
| Rosebud | $175 |
| Whitewood | $149 |
| Freeman | $167 |
| Sturgis | $149 |
| Clark | $147 |
| Fort Thompson | $153 |
| Platte | $167 |
| Green Valley | $163 |
| Pierre | $147 |
| Kyle | $182 |
| Gettysburg | $181 |
| Miller | $176 |
| North Eagle Butte | $181 |
| Sioux Falls | $151 |
| Brandon | $176 |
| Lead | $169 |
| Lemmon | $167 |
| Mitchell | $154 |
| Arlington | $154 |
| Flandreau | $174 |
| Gregory | $150 |
| Pine Ridge | $159 |
| Redfield | $166 |
| Lennox | $168 |
| North Sioux City | $176 |
| Dakota Dunes | $174 |
| Elk Point | $179 |
| Watertown | $179 |
| Brookings | $176 |
| Rapid City | $156 |
| Tyndall and Garretson | $155 |
| Box Elder | $177 |
| Porcupine | $146 |
| Hot Springs | $155 |
| Baltic | $158 |
| Mobridge | $178 |
| Deadwood | $166 |
| Colonial Pine Hills | $164 |
| Milbank | $174 |
| Britton | $176 |
| Sisseton | $180 |
| Hartford | $158 |
| Yankton | $150 |
| Springfield | $175 |
| Blackhawk | $159 |
| Eagle Butte | $154 |
| Vermillion | $156 |
| Fort Pierre | $170 |
| North Spearfish | $174 |
| Worthing | $146 |
| Chamberlain | $153 |
| Parkston | $159 |
| Beresford | $176 |
| Oglala | $176 |
| Harrisburg | $173 |
Frequently Asked Questions about SR22 Insurance South Dakota
Frequently Asked Questions About SR22 Insurance in South Dakota
Q1: What is SR22 insurance, and why might I need it in South Dakota?
A1: SR22 insurance is a certificate of financial responsibility that may be required by the state of South Dakota for individuals with certain driving violations, such as DUI/DWI or multiple traffic offenses. It’s used to prove that you have the required minimum insurance coverage to reinstate your driving privileges.
Q2: How do I obtain SR22 insurance in South Dakota?
A2: To obtain SR22 insurance in South Dakota, you’ll need to contact an insurance provider that offers SR22 filings. Your insurance company will file the SR22 certificate with the South Dakota Department of Public Safety on your behalf. You’ll typically need to maintain continuous insurance coverage with the SR22 for a specified period to fulfill the requirements.
Q3: How does SR22 insurance affect my auto insurance rates in South Dakota?
A3: SR22 insurance can result in higher auto insurance rates in South Dakota because it’s often required for high-risk drivers with serious violations. Your insurance premiums may increase due to the added risk you pose to the insurance company. It’s essential to compare quotes from different insurers to find the most affordable SR22 insurance rates.
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Last Updated on by Amanda Moss