South Dakota Liability Insurance : Auto & SR22

Most Affordable South Dakota Car Insurance: All about Liability Insurance in South Dakota

Bodily Injury Liability Limits
$25,000 Per Person / $50,000 Per Accident / $25,000 Property Damage

Uninsured Motorist Bodily Injury Liability
$25,000 Per Person / $50,000 Per Accident

By Crystal Farley | Licensed Agent at | Powered by A Plus Insurance

What is South Dakota Auto Insurance and what does the Liability cover?

Every state in the United States has their minimum mandated requirements for liability insurance in order to drive or operate a vehicle. South Dakota Auto Insurance minimum requirements cover up to $25,000 per person, $50,000 per accident and $25,000 for property damages done as well. In the event of an accident, costs of damages done can add up quickly. There are also options for higher liability limits as well in the event damges done do excede the minimums per the state.

The state of South Dakota also requires that the liability limits have the Uninsured Motorist Bodily Injury liability as well as the Underinsured Motorist Bodily Injury Liability. This type of coverage helps out in the event if someone were to hit you and they do not have insurance at the time of the accident or for example a hit and run driver. This is if you were to be hurt or a passenger at the time of the accident. The underinsured is if someone does have insurance but the damages they cause excede the liability limits they have on their policy at the time.

Both the liability and the uninsured & underinsured motorist are going to be required for you to operate a motor vehicle in the state of South Dakota.

When obtaining quotes in the state of South Dakota for your auto insurance or if you need insurance to sustain your license, make sure to chat with a live agent to go over coverage and pricing options available for you.

South Dakota Auto Insurance
Competitive South Dakota Liability Rates Available for You and Your Family and Friends

Additional Coverages Available for You and Your Vehicle for South Dakota Auto Insurance

Most insurance companies out there offer additional coverages for you and your vehicle. Some of the Best Car insurance coverages in South Dakota makes sure that you are covered in the event of an accident irregardless of who is at fault. What coverage would you need to ensure you are completely covered? Make sure to ask one of our agents to assist you with your South Dakota Insurance endeavor.

Comprehensive: This gives you coverage your your vehicle against the perils of Wind, Fire, Hail and Theft. Some carriers even have coverage for glass specifically that way your deductible is not as high as the collision deductible itself.

Collision: We all can not predict whether we are going to be at fault for an accident. This coverages gives you a deductible in case you are to have impact with another vehicle. You pay the deductible then the insurance company pays the rest of the actual cash value of the vehicle at the time of the loss. Some of the best car insurance in South Dakota offers collision without a huge price difference.

Medical Payments: Not all states have this coverage provided. It is a coverage offered by the state of South Dakota. This gives you coverage for you and per person in your vehicle at the time of the accident irregardless of whom causes the accident. Typically the minimum coverage provided is $5000 per person but other companies can offer more.

Roadside Assistance: This coverage is nice to have if you ever find yourself in a pickle on the side of the road with a flat tire or not enough gas to get you from point A to point B. Most companies that offer roadside assistance give you some sort of relief when something does happen.

Rental Reimbursement: When you are in an accident and the vehicle is out of commission, rental reimbursement is nice to have that way if you do need to go to work or are without a way of transportation, you have a vehicle ready when your’s is out of commision.

Loan-Lease Pay off: Not all companies will offer you this coverage. Typically it is best to ask your lender for gap insurance or loan lease pay off because you will get better coverage for you vehicle while you are financing. Progressive is one of our carriers that will give you loan lease pay off with a certain amount depending on how much you owe on the vehicle.

Most Affordable Liability Coverages by Company in South Dakota

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The General$85
National General$98
Progressive Insurance$100
Mendota Ins. Company$106
Acceptance RTR$112
American Family$122
Bristol West$124
State Auto$127
21st Century$134

South Dakota SR22 Liability Insurance

SR22 Insurance is typically needed if you have had an incident with a violation or the DMV. It is a filing that will cost you an upfront fee to keep on the policy while it is active. South Dakota Auto Insurance allows you to add an SR22 to your policy whether it be a vehicle auto policy or a non owners will meet the requirements for your SR22. There are additional liability coverages available besides the minimums. If you are needing SR22 insurance in the state of South Dakota make sure to give us a call so we can assist you.

South Dakota liability Insurance
2022 affordable south dakota auto insurance

Is South Dakota a No-Fault State?

South Dakota Liability Insurance
South Carolina Liability Insurnace

So is South Dakota a no fault state? To answer that question, no they are not. South Dakota is an At Fault state or in other words considered a tort state. This means that the person who is at fault for the car accident will be responsible for paying the other person injuries including the property damages done to their vehicle or the area surrounding.

This state also offers additional liability coverages such as Medical Payments which will cover medical expenses irregardless of who is at fault for the accident.

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Last Updated on by Crystal Sullivan