By Alexis Karapiperis | Customer Service Representative at Learnandserve.org | Powered by A Plus Insurance

South Dakota Car Insurance Requirements

In South Dakota, all insured drivers will need need to meet the State’s minimum requirement for auto insurance. For South Dakota Car insurance, you will need to have Liability Insurance along with Uninsured Motorist Coverage.

South Dakota Requires A Minimum Liability Limit of: 25 / 50 /25

Bodily Injury For One Individual	Bodily Injury For Multiple Individuals	Property Damage
$25,000	$50,000	$25,00

South Dakota Will Also Require Uninsured Motorist of: 25 / 50

Bodily Injury For On Individual	Bodily Injury For Multiple Individuals
$25,000	$50,000

Liability is simply having proof of insurance showing that you are financially responsible for any expenses in which occur during an accident that you are found guilty in causing. Liability insurance, however, will not cover any of the cost in damage that occurred to you or your vehicle.

This is where opting for full coverage would come into effect for covering the costs in repair for damage that occurred to your vehicle, regardless of who was at fault

Full Coverage South Dakota Car Insurance

Full coverage insurance is an optional coverage for insured drives to add on to their auto policy. In some cases though, a dealership or lienholder may require the insured to have it on their policy when financing or leasing a vehicle.

How Does Full Coverage Insurance Work?

Full coverage insurance will consist of two components known as comprehensive and collision. In order to use either of these coverages, you will need to pay your set deductible first.

Lets get into what Comprehensive and Collision both cover first:

Comprehensive: This will cover any cost in repair for damage that occurred to your car from or by a fire, flood, a tree branch falling, a deer hitting your car, theft, vandalism, etc.

Collision: This will cover the cost for your vehicle when damaged from colliding with another vehicle in an accident or by colliding with an object such as a pole or tree. This coverage will work in the event that your vehicle was actively moving or parked, regardless of who was found at fault.

Now we will cover Deductibles:

Deductibles: Your deductible is what will need to be paid first before either of the coverages will come into effect. You are able to choose your limit of how much you are willing to pay upfront before using the coverage. Deductible amounts will typically be $500 or $1,000. The higher of a limit you choose, the lower your premium will cost.

Should I Have Full Coverage On My Car Calculator

Should I Have Full Coverage On My Car?

To help answer your question, we have created a calculator below. Simply enter in your answers with the information you know to have it give you a proper estimate on whether full coverage is the right option for you.

Normally with vehicles over ten years in age, full coverage may not be necessary since you will be paying more for the coverage than what the car is worth.

Age of Vehicle0 to 2 yrs3 to 6 yrs7 to 10 yrs11 to 14 yrs14+ yrs old

Value of VehicleUnder $750$750 to $2,500$2,501 to $5,500$ 5,501 to $12,500$12,501 +

Monthly premium increase for Full coverageunknownLess than $65$66 to $125$125 and up

Under 6 = Liability / 7 to 9= Consider Full Coverage / 9 += Full Coverage RecommendedAlways talk with an insurance professional to discuss your specific needs.

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If you have any further questions on whether or not full coverage South Dakota Car Insurance is the right fit for you, feel free to connect with one of our agents.

Full Coverage South Dakota Car Insurance Rates

These are the average rates for full coverage insurance in South Dakota.

Carrier	Average Cost
National General	$138
American Family	$145
Nationwide	$145
State Farm	$146
21st Century	$151
Travelers	$152
Progressive Insurance	$153
Mendota Ins. Company	$156
Allstate	$160
Farmers	$164
Acceptance RTR	$165
Bristol West	$168
The General	$168
AssuranceAmerica	$173
Liberty Mutual	$176

Although these are the average rates for full coverage insurance, they are subject to change due to all individuals having different circumstances.

Factors that Impact Rates
Age
Gender
Location
Driving Record / Driving History
Vehicle Make / Model

These factors will play into what your overall rate will be for full coverage car insurance.

Get started on your free quote with an A Plus Agents to help assist you and answer any other questions you may have in regards to South Dakota Car Insurance.

Our Agents are available to give you a quote over call, text, or email.

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Last Updated on November 15, 2023 by Crystal Farley