Insurance Requirements for Car Registration in South Dakota

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All drivers in South Dakota are required to prove financial responsibility in order to legally operate and register a vehicle. The most common way that drivers do this is to purchase an insurance policy; however, drivers may also deposit cash or bonds with the State Treasurer to cover the minimum requirements for liability insurance, or apply for a certificate of self-insurance.

The minimum financial responsibility requirements for South Dakota drivers are as follow:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $75,000 to cover bodily injury or death, and property damage liability.

Additionally, all insurance providers are required to offer Uninsured Motorist Coverage in their minimum insurance policies.

South Dakota Automobile Insurance Plan

All South Dakota insurance providers are legally allowed to refuse coverage to a driver they deem to be “high-risk.” If a driver has a poor driving record, or a history of many accidents, they may be unable to find traditional coverage.

In order to ensure that every driver carries the legally required liability insurance, the state maintains the South Dakota Automobile Insurance Plan program. Under this program, high-risk drivers can apply to any insurance provider in South Dakota, even a provider that has previously turned them down.

Proof of insurance

The law in South Dakota requires that all drivers carry proof of insurance with them when they drive. Drivers must present proof of insurance to a law enforcement officer at the scene of an accident, or at a traffic stop. Your proof of insurance must include at least this information:

  • The insurance provider’s name

  • The policy number

  • The effective and expiration date of the policy

Usually this document is the insurance ID card provided by the driver’s authorized insurance provider.

If a driver used a different method for securing financial responsibility, proof may be submitted in these form as well:

  • The certificate of deposit of cash or bonds from the State Treasurer

  • The certificate of self-insurance from the South Dakota Motor Vehicle Division

Violation penalties

If a driver is caught operating a vehicle without car insurance in South Dakota, they could face severe penalties, including:

  • A $100 fine

  • 20 days in jail

  • A one-year suspension of driver’s license

  • A mandatory filing of an SR-22 Proof of Insurance document for three years. This document is a guarantee to the state that you will carry insurance for the specified time, and is usually only required of drivers who have been convicted of reckless driving charges, such as DUI.

For more information, or to renew your registration online, contact the South Dakota Motor Vehicles Division of the Department of Revenue through their website.


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Rigoberto

9 years of experience
706 reviews
Rigoberto
9 years of experience
Chevrolet Equinox - Brake Pads Replacement (Rear) - Niles, Illinois
Rigo was great! He got there early, finished the job early, left everything clean. He changed my rear pads and rotors. The original quoted time was 90 minutes, he was done in about 60. He knows what he is doing and I am recommending him to all my friends and coworkers.
Mercedes-Benz C250 - Brake Pads Replacement (Front, Rear) - Chicago, Illinois
Rigo is a maverick hands down. Don’t take your car for work elsewhere. Especially great at Mercedes—this guy knows his profession! I will be using him for everything related to my car going forward.

Arturo

25 years of experience
35 reviews
Arturo
25 years of experience
Kia Forte - Brake Pads Replacement (Front) - San Diego, California
ARTURO is great! very professional , fast, replaced my front brake pads and oil an filter change. everything now works and works well. Brakes have much improved stopping power and engine is smooth and quiet.Arturo is also kind and thoughtful. "Your mechanic" is very fortunate to have Arturo Lopez represent your company. I enthusiastically recommend him and "Your mechanic> as a fine operation Best regards to the Team Peter Marto
Nissan Maxima - Brake Pads Replacement (Front, Rear) - San Diego, California
Arturo was prompt and completed my brake repair, including new rotors in a very efficient manner. I am very pleased with the quality of the work and the parts and will definitely look to have him service our other car in the near future.

Scott

32 years of experience
345 reviews
Scott
32 years of experience
Lexus IS250 - Brake Pads Replacement (Rear) - Denver, Colorado
Always on time, speedy, professional, and pleasant to interact with. The work is always consistent and we'll done. I can't reccomend Scott highly enough!

Michael

10 years of experience
15 reviews
Michael
10 years of experience
Nissan Sentra - Brake Pads Replacement (Front) - Conyers, Georgia
He was promptly on time and got the job done efficiently in a timely manner. I really appreciate the rapid respone on getting the job done! I would most definitely use this service again.

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