- Liability Insurance in South Dakota
- What is South Dakota Auto Insurance and what does the Liability cover?
- Is Car Insurance Expensive in South Dakota?
- Cost For Liability Only South Dakota Auto Insurance (By City)
- Additional Coverages Available for You and Your Vehicle for South Dakota Auto Insurance
- Most Affordable Liability Coverages by Company in South Dakota
- Who Has The Lowest Liability Price South Dakota Auto Insurance? (By City)
- South Dakota SR22 Liability Insurance
- Is South Dakota a No-Fault State?
- Should I Upgrade To Full Coverage In South Dakota Auto Insurance? Cost By City
- Frequently Asked Questions About South Dakota Auto Insurance
- Additional Helpful Links For South Dakota Auto Insurance
- What We Do at 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
$25,000 per person
$50,000 per accident
$25,000 for property damage
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 drivers have 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 exceed 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.
Is Car Insurance Expensive in South Dakota?
When it comes to South Dakota auto insurance, the cost can vary depending on several factors such as your driving history, age, and the coverage options you choose. Generally, car insurance in South Dakota is considered affordable compared to national averages. On average, South Dakota drivers pay around $800 to $1,200 annually for auto insurance. However, rates may be higher or lower based on individual circumstances. To provide you with a clearer understanding, here’s a comparison of average annual premiums for auto insurance from some of our partnered insurance carriers in South Dakota:
| Insurance Company | Average Annual Premium |
|---|---|
| Progressive | $850 |
| State Farm | $950 |
| Geico | $1,000 |
By comparing quotes from different carriers, you can find the best auto insurance option that suits your needs and budget.
List of Factors Affecting Premiums:
- Driving history
- Age
- Coverage options chosen
Cost For Liability Only South Dakota Auto Insurance (By City)
| City | Average Price |
|---|---|
| Eagle Butte | $104.00 |
| Summerset | $97.00 |
| Aberdeen | $105.00 |
| Springfield | $88.00 |
| Mitchell | $89.00 |
| Miller | $90.00 |
| Flandreau | $103.00 |
| Tea | $99.00 |
| Rosebud | $99.00 |
| De Smet | $90.00 |
| Watertown | $96.00 |
| Mobridge | $93.00 |
| Dakota Dunes | $91.00 |
| Lead | $110.00 |
| Box Elder | $110.00 |
| Baltic | $101.00 |
| Yankton | $110.00 |
| Pine Ridge | $87.00 |
| Hartford | $90.00 |
| Spearfish | $99.00 |
| Hot Springs | $101.00 |
| Sioux Falls | $87.00 |
| Tyndall and Garretson | $98.00 |
| Sturgis | $92.00 |
| Blackhawk | $90.00 |
| Harrisburg | $97.00 |
| Custer | $87.00 |
| Rapid Valley | $95.00 |
| Deadwood | $110.00 |
| Winner | $102.00 |
| Lemmon | $102.00 |
| Elk Point | $106.00 |
| Porcupine | $103.00 |
| North Sioux City | $93.00 |
| Lennox | $97.00 |
| Madison | $90.00 |
| Kyle | $103.00 |
| Canton | $86.00 |
| Freeman | $90.00 |
| Crooks | $102.00 |
| Chamberlain | $104.00 |
| Vermillion | $87.00 |
| Beresford | $108.00 |
| Green Valley | $102.00 |
| Clark | $101.00 |
| Dell Rapids | $100.00 |
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.
Comprehensize
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 regardless 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
| Carrier | Price |
|---|---|
| The General | $85 |
| National General | $98 |
| Geico | $99 |
| Progressive Insurance | $100 |
| AssuranceAmerica | $105 |
| Mendota Ins. Company | $106 |
| Acceptance RTR | $112 |
| Dairyland | $120 |
| USAA | $121 |
| American Family | $122 |
| Farmers | $123 |
| Bristol West | $124 |
| State Auto | $127 |
| 21st Century | $134 |
| Allstate | $136 |
Who Has The Lowest Liability Price South Dakota Auto Insurance? (By City)
| City | Average Price |
|---|---|
| Hartford | Liberty Mutual |
| Freeman | The General |
| Worthing | Farmers |
| Mitchell | Farmers |
| Wagner | Liberty Mutual |
| Volga | Progressive |
| Madison | The General |
| Gettysburg | Bristol West |
| Groton and Webster | National General |
| Dell Rapids | Dairyland* |
| Aberdeen | The General |
| Elk Point | The General |
| Rapid City | The General |
| North Eagle Butte | Progressive |
| Green Valley | Farmers |
| Sisseton | Geico |
| Salem | Geico |
| Watertown | Progressive |
| Kyle | Liberty Mutual |
| Summerset | The General |
| Beresford | Progressive |
| Rapid Valley | The General |
| Springfield | Progressive |
| Eagle Butte | Progressive |
| Milbank | Progressive |
| North Spearfish | Geico |
| Box Elder | Geico |
| Clark | The General |
| Pine Ridge | Progressive |
| Miller | Progressive |
| Custer | Progressive |
| Arlington | Liberty Mutual |
| Oglala | The General |
| Lead | Bristol West |
| Chamberlain | The General |
| De Smet | Geico |
| Fort Thompson | Geico |
| Crooks | Progressive |
| Baltic | Liberty Mutual |
| Pierre | Liberty Mutual |
| Lemmon | Geico |
| Redfield | Geico |
| Hot Springs | The General |
| Huron | Dairyland* |
| Sturgis | Geico |
| Mission | Liberty Mutual |
| Lennox | The General |
| Blackhawk | Geico |
| Tea | The General |
| Yankton | National General |
| Brookings | Bristol West |
| Brandon | Progressive |
| Clear Lake | Liberty Mutual |
| Gregory | Progressive |
| Harrisburg | Progressive |
| Winner | Geico |
| Spearfish | Progressive |
| Colonial Pine Hills | Progressive |
| Britton | The General |
| Parkston | Farmers |
| Belle Fourche | Progressive |
| Porcupine | Geico |
| Canton | National General |
| Sioux Falls | Dairyland* |
| Whitewood | Progressive |
| Fort Pierre | The General |
| North Sioux City | Geico |
| Tyndall and Garretson | Progressive |
| Dakota Dunes | Farmers |
| Platte | Bristol West |
| Deadwood | Dairyland* |
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.
Is South Dakota a No-Fault State?
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 regardless of who is at fault for the accident.
Should I Upgrade To Full Coverage In South Dakota Auto Insurance? Cost By City
| City | Average Price |
|---|---|
| Canton | $152 |
| Harrisburg | $161 |
| Redfield | $149 |
| Aberdeen | $154 |
| Tyndall and Garretson | $157 |
| Lemmon | $180 |
| Yankton | $151 |
| Summerset | $160 |
| Blackhawk | $170 |
| North Eagle Butte | $175 |
| Gregory | $163 |
| Colonial Pine Hills | $181 |
| Gettysburg | $181 |
| Watertown | $163 |
| North Spearfish | $151 |
| Dakota Dunes | $180 |
| Belle Fourche | $182 |
| Mitchell | $149 |
| Oglala | $168 |
| Sisseton | $151 |
| Volga | $176 |
| Green Valley | $178 |
| Mission | $164 |
| Fort Thompson | $151 |
| Deadwood | $147 |
| Clark | $178 |
| Hartford | $180 |
| Parkston | $166 |
| Huron | $151 |
| Miller | $173 |
| Spearfish | $164 |
| Eagle Butte | $166 |
| Pine Ridge | $180 |
| Vermillion | $182 |
| Madison | $159 |
| Freeman | $171 |
| Groton and Webster | $170 |
| Mobridge | $179 |
| Crooks | $163 |
| Salem | $176 |
| North Sioux City | $158 |
| Fort Pierre | $164 |
| Lennox | $169 |
| Tea | $158 |
| Milbank | $162 |
| Box Elder | $161 |
| De Smet | $146 |
| Sioux Falls | $151 |
| Brandon | $164 |
| Chamberlain | $171 |
| Springfield | $176 |
| Kyle | $180 |
| Baltic | $154 |
| Pierre | $148 |
| Lead | $173 |
| Rapid Valley | $161 |
| Platte | $155 |
| Beresford | $160 |
| Custer | $175 |
| Winner | $176 |
| Flandreau | $182 |
| Sturgis | $174 |
For more information or to get a quote, call us at 1.888.445.2793.
Frequently Asked Questions About South Dakota Auto Insurance
Q1: What are the minimum auto insurance requirements in South Dakota?
A1: In South Dakota, drivers are required to have at least the state’s minimum auto insurance coverage, which typically includes liability insurance. The minimum liability limits often include coverage for bodily injury and property damage. Specific requirements may vary.
Q2: Can I purchase additional coverage options for my auto insurance in South Dakota?
A2: Yes, you can purchase additional coverage options for your auto insurance in South Dakota. Common options include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP). These options offer added protection beyond the minimum requirements.
Q3: How can I find affordable auto insurance rates in South Dakota?
A3: To find affordable auto insurance rates in South Dakota, consider comparing quotes from multiple insurance companies. You can also inquire about discounts for factors like safe driving, bundling policies, and maintaining a good credit score. Working with an independent insurance agent can help you find the best rates.
Q4: Is car insurance high in South Dakota?
A4: Car insurance rates in South Dakota can vary based on several factors, including your driving history, the type of coverage you choose, and your location within the state. While rates may be influenced by these factors, it’s essential to shop around and compare quotes to find the most competitive rates that meet your needs and budget.
Additional Helpful Links For South Dakota Auto Insurance
| Additional South Dakota Insurance |
|---|
| SR22 South Dakota |
| South Dakota Homeowners Insurance |
| Understanding SR22 |
| South Dakota Motor Vehicle Division |
| Drivers License Office South Dakota |
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Marlon Moss