Unlocking Your Savings: Mastering SR22 Insurance in South Dakota for Personal Lines Coverage



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.

StateState MinPIP?
South Dakota25/50/25N/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.

Untitled design 19
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
Reasons why you may need SR22 Insurance South Dakota

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.

CompanySR22 Liability (Average)
State FarmN/A
AssuranceAmerica$111.00
21st CenturyN/A
State AutoN/A
The General$67.00
TravelersN/A
GAINSCO$79.00
American FamilyN/A
SafecoN/A
Acceptance RTR$98.00
Progressive Insurance$89.00
NationwideN/A
AllstateN/A
USAAN/A
Farmers$75.00
Bristol West$122.00
The cheapest companies that offer SR22 Insurance in South Dakota

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

CompanySR22 Offered
National Generalyes
Acceptance RTRyes
Farmersyes
State Autono
Progressive InsuranceYes
Safecono
Dairylandyes
Bristol Westyes
American Familyno
21st Centuryno
Travelersno
Liberty Mutualyes
GAINSCOyes
Mendota Ins. Companyyes
USAAno
The Generalyes
Allstateunsure
Geicoyes
AssuranceAmericayes
State Farmunsure
SR22 Insurance South Dakota

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.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

I don’t own a vehicle. Why Would I need Insurance?

Liability Coverage
Legal Compliance
Financial Security
Borrowed Vehicles
Accident Protection
Unforeseen Situations
Honda CR-V
Subaru Outback
Ford Escape
Jeep Wrangler
Toyota RAV4
Chevrolet Equinox
Mercedes-Benz S-Class
BMW M4
Audi R8
Tesla Model S
Dodge Charger Hellcat
Ford Mustang Shelby GT500

Who has the Lowest Price on SR22 (By City) in South Dakota

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.

CityCarrier
Sioux FallsGeico
HartfordThe General
BrookingsProgressive
BrandonProgressive
VermillionThe General
North SpearfishThe General
VolgaLiberty Mutual
Hot SpringsProgressive
North Sioux CityBristol West
Green ValleyBristol West
BlackhawkBristol West
Fort PierreNational General
Colonial Pine HillsGeico
PierreLiberty Mutual
CusterDairyland*
WatertownProgressive
WinnerGeico
SalemThe General
WagnerGeico
Dell RapidsThe General
ChamberlainBristol West
Belle FourcheLiberty Mutual
PorcupineDairyland*
SummersetGeico
Clear LakeThe General
MitchellLiberty Mutual
SturgisLiberty Mutual
YanktonProgressive
CantonProgressive
ParkstonLiberty Mutual
SissetonProgressive
LemmonProgressive
HuronProgressive
WorthingGeico
GregoryProgressive
MilbankBristol West
Pine RidgeBristol West
BeresfordGeico
LennoxThe General
RedfieldProgressive
KyleProgressive
MillerBristol West
BrittonProgressive
Fort ThompsonFarmers
Eagle ButteBristol West
TeaProgressive
Elk PointDairyland*
SpringfieldProgressive
MissionThe General
Dakota DunesBristol 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.

CarrierSR22 Filing Fee
Mendota Ins. CompanyNA
Assurance AmericaNA
The General$25.00
DairylandFree
Travelersna
Bristol West$25.00
Acceptance RTRNA
National GeneralNA
State Autona
Safecona
Liberty Mutual$15-$25
21st Centuryna
State FarmUnknown
GAINSCONA
Farmers$15-$66
Progressive Insurance$25.00
Geico$25.00
USAAna
SR22 Insurance South Dakota

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.

CityPrice
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
SR22 Insurance South Dakota

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).

CityPrice
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
SR22 Insurance South Dakota

Use An Insurance Broker!

Using an insurance broker, like A Plus Insurance, for your insurance needs offers several advantages. Here are five key reasons:

Expert Advice and Personalized Service
Access to a Wide Range of Products
Time and Cost Savings
Ongoing Support and Review
Risk Management and Education

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.

Here’s What Our Clients Say About Us​
car icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

house icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

motorcycle icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Last Updated on by Marlon Moss

Spread the love
Scroll to Top