South Dakota auto insurance provides you with the protection and money you need to pay claims if you cause an accident. It also covers you if an at-fault driver doesn't have the insurance—or the resources—to cover your own damages.
That's why it's increasingly important to make sure you have plenty of South Dakota auto insurance.
Let InsureMe help! We network with South Dakota auto insurance providers who know what you need, will listen to your concerns, and compete to provide you with that "just right" policy to meet your coverage needs.
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South Dakota law requires you to show proof of what's called "financial responsibility" in order to license and operate a motor vehicle within the state. This simply means you must have the resources to pay for any damages in an accident that's your fault.
Most South Dakotans choose to purchase South Dakota auto insurance to fulfill this responsibility.
If you are stopped by a police officer for a moving violation and you aren't carrying proof of South Dakota auto insurance, you may be subject to a fine, lose your driver's license for 30 days, and even be given jail time.
You must carry certain amounts of South Dakota auto insurance in order to meet the state's minimum requirements.
This includes liability, which pays for injuries you cause to another person, or property damage you cause through negligent driving; uninsured motorist, which covers your own bodily injury when involved in a hit-and-run accident, or when hit by a driver who is at fault but holds no insurance; and underinsured motorist, which pays the difference between your uninsured motorist coverage and the at-fault driver's liability coverage.
Liability includes bodily injury coverage of $25,000 per person per accident and $50,000 per accident, and property damage of at least $25,000 per accident. The law also requires uninsured/underinsured motorist coverage for your own protection.
In order to fully protect yourself, it is wise to consider buying higher limits of South Dakota auto insurance than what the state requires. These minimums may not be enough to provide adequate finances for medical bills incurred as the result of an accident, cover the total value of your car, or protect you from lawsuits.
Don't get stuck—get going!
Don't let yourself get stuck in a bad situation without the South Dakota auto insurance you need.
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