South Dakota Liability Insurance — Quotes, Requirements, and Fast Proof

South Dakota • Liability

South Dakota Liability Insurance

Fast quotes, real guidance, same-day proof… by phone or online. We compare multiple carriers so you don’t have to.

Independent Brokerage 35+ States Same-Day ID Cards No pressure… friendly help

Quick answers for South Dakota liability insurance

What it covers
Injuries and property damage you cause to others… not your own car.

Popular limits
Many drivers choose 100/300/100 or higher for better protection.

Proof today
Phone or online, we can issue same-day electronic ID cards.

UM/UIM
South Dakota requires uninsured motorist coverage… and underinsured motorist in many policies, protecting you from drivers with too little insurance. :contentReference[oaicite:0]{index=0}

Tip… liability limits are inexpensive to raise relative to the protection they provide.

South Dakota minimums at a glance

Liability

25/50/25 minimum

$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage. Higher limits are available and recommended for most households. :contentReference[oaicite:1]{index=1}

Uninsured Motorist

At least 25/50

Protects you if the at-fault driver has no insurance… commonly paired with underinsured motorist. Statutes cap mandated UM/UIM at 100/300 per person/accident. :contentReference[oaicite:2]{index=2}

SR-22 (when needed)

Filing proof

Certain violations require an SR-22 filing to prove you carry at least the state minimums… terms often run about three years depending on the offense. We can file for you. :contentReference[oaicite:3]{index=3}

Get liability coverage today in three easy steps

1) Share basics

Names, birthdays, addresses, vehicles… a prior policy if you have one.

2) Compare options

We check multiple carriers for your situation… you pick the limit and price.

3) Pay and get proof

Instant electronic ID cards… help with UM/UIM choices and filings if needed.

Call now for guidance Get a quote

Prefer text or email… we can start your quote either way.

FAQ

Do I need more than 25/50/25 in South Dakota?

State minimums satisfy the law… larger claims can exceed them. Many households choose 100/300/100 or higher so one at-fault crash doesn’t put savings at risk. A quick quote shows the difference in price and protection.

Get a quote Talk through limits

Is uninsured motorist really required?

Yes… South Dakota requires UM, and policies commonly include UIM too. These protect you and your passengers when the other driver has none or not enough. :contentReference[oaicite:4]{index=4}

What about SR-22… can you file it?

We can file an SR-22 with your carrier and send proof to the state. Many cases need the filing for about three years… the exact period depends on the violation. :contentReference[oaicite:5]{index=5}

Can I start with liability only and add more later?

Absolutely. Start with what you need to drive legally… add comprehensive, collision, or higher limits any time. We’ll keep your ID cards current.

How fast can I get proof?

Same day in most cases… often within minutes after payment. We email cards and can text a link while you’re at the DMV or dealer.

Ready when you are

Real people, no upsell games… help choosing the right liability limit for South Dakota.

Call 1-888-445-2793 Get a quote

Last Updated on November 19, 2025 by Brian Muse