Enter your ZIP code:

South Dakota Auto Insurance

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.

Submit your information in our quote box today for up to five free quotesright away! We'd love to help you with your South Dakota auto insurance needs.


South Dakota Auto Insurance Information

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.

The Minimums

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.

The Facts:

  1. Statistics show that drivers under the age of 30 have more accidents than the remainder of the population. Thus, younger drivers (and households containing younger drivers) tend to have higher South Dakota auto insurance premiums.
  2. The more you drive your car, the higher your rates will be. This includes both miles driven to and from work and those driven for "pleasure."
  3. Married couples have fewer accidents than single persons. Rates reflect this difference.
  4. The more South Dakota auto insurance claims you have had, the higher your rates. Most companies apply a surcharge to drivers who have a history of accidents.
  5. A high number of accidents or a high crime rate in your area can raise your comprehensive premiums. South Dakota auto insurance companies are allowed to base premium rates on addresses, even though you may drive to other areas.
  6. South Dakota auto insurance companies frequently use your credit history to figure your insurance premiums. Your credit history helps determine your level of claims risk, and insurers believe there is a direct link between financial stability and this risk.
  7. You may be assigned an insurance score based on your credit history, which may then be used in deciding whether to accept or decline your coverage, and to set your car insurance rates.

Don't get stuck—get going!

Don't let yourself get stuck in a bad situation without the South Dakota auto insurance you need.

Apply today for your free quotesand make insurers come to you. It's quick, simple and easy with InsureMe!


Free Car Insurance Quotes! 
Free Home Insurance Quotes!   
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   

List of Articles
No. Subject Author Viewssort
102 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17226
101 North Carolina Car Insurance youcomparequotes 14144
100 Vermont Car Insurance youcomparequotes 13011
99 Washington, D.C. Car Insurance youcomparequotes 11914
98 Florida Car Insurance Quotes youcomparequotes 11672
97 Alaska Auto Insurance youcomparequotes 11532
96 Washington Car Insurance Quotes youcomparequotes 11435
95 Pennsylvania Auto Insurance Quotes youcomparequotes 11372
94 West Virginia Car Insurance youcomparequotes 11325
93 New York Auto Insurance Quotes youcomparequotes 11293
92 Maryland Auto Insurance youcomparequotes 11235
91 Maryland Car Insurance youcomparequotes 11217
90 New Hampshire Car Insurance youcomparequotes 11216
89 Nebraska Auto Insurance youcomparequotes 11190
88 Louisiana Car Insurance youcomparequotes 11168
87 North Carolina Auto Insurance youcomparequotes 11137
86 Minnesota Auto Insurance Quotes and Information youcomparequotes 11116
85 Washington Auto Insurance Quotes youcomparequotes 11103
84 California Auto Insurance Quotes youcomparequotes 11073
83 Oregon Car Insurance Quotes youcomparequotes 11049
82 Massachusetts Auto Insurance Reform youcomparequotes 11026
81 Minnesota Car Insurance Quotes youcomparequotes 11020
80 Arizona Auto Insurance youcomparequotes 11001
79 Tennessee Auto Insurance youcomparequotes 10978
78 Washington, D.C. Auto Insurance youcomparequotes 10956
77 Georgia Auto Insurance Quotes youcomparequotes 10936
76 California Car Insurance Quotes youcomparequotes 10935
75 Maine Auto Insurance youcomparequotes 10900
74 Pennsylvania Car Insurance Quotes youcomparequotes 10893
73 Mississippi Car Insurance youcomparequotes 10883
72 North Dakota Auto Insurance youcomparequotes 10856
71 New Hampshire Auto Insurance youcomparequotes 10845
70 South Carolina Car Insurance youcomparequotes 10837
69 Hawaii Auto Insurance youcomparequotes 10822
68 Wyoming Car Insurance youcomparequotes 10804
67 Virginia Auto Insurance Quotes youcomparequotes 10782
66 Virginia Car Insurance youcomparequotes 10764
65 Texas Car Insurance Quotes youcomparequotes 10756
64 Texas Auto Insurance Quotes youcomparequotes 10755
63 Oklahoma Car Insurance youcomparequotes 10750
62 Alabama Auto Insurance youcomparequotes 10749
61 Hawaii Car Insurance youcomparequotes 10735
60 Alaska Car Insurance youcomparequotes 10726
59 South Carolina Auto Insurance youcomparequotes 10714
58 Utah Car Insurance youcomparequotes 10712
57 Oklahoma Auto Insurance youcomparequotes 10712
56 Oregon Auto Insurance Quotes youcomparequotes 10704
55 Wyoming Auto Insurance youcomparequotes 10701
54 Mississippi Auto Insurance youcomparequotes 10694
53 South Dakota Car Insurance youcomparequotes 10643
52 Delaware Car Insurance youcomparequotes 10635
51 Kansas Auto Insurance youcomparequotes 10619
50 Arkansas Auto Insurance youcomparequotes 10613
49 Kentucky Car Insurance youcomparequotes 10608
48 Nevada Auto Insurance youcomparequotes 10588
47 Missouri Car Insurance youcomparequotes 10575
46 Arizona Car Insurance Quotes youcomparequotes 10568
45 Rhode Island Auto Insurance youcomparequotes 10564
44 Nevada Car Insurance youcomparequotes 10555
43 Louisiana Auto Insurance youcomparequotes 10548
42 Utah Auto Insurance youcomparequotes 10525
41 Delaware Auto Insurance youcomparequotes 10512
40 Iowa Auto Insurance youcomparequotes 10483
39 Missouri Auto Insurance youcomparequotes 10473
38 Iowa Car Insurance youcomparequotes 10473
37 North Dakota Car Insurance youcomparequotes 10460
36 Indiana Car Insurance youcomparequotes 10451
35 Colorado Car Insurance Quotes youcomparequotes 10441
34 Ohio Car Insurance Quotes youcomparequotes 10439
33 Illinois Car Insurance youcomparequotes 10433
32 Connecticut Car Insurance youcomparequotes 10429
31 Montana Auto Insurance youcomparequotes 10417
30 Indiana Auto Insurance youcomparequotes 10416
29 Wisconsin Auto Insurance youcomparequotes 10406
28 Idaho Auto Insurance youcomparequotes 10388
27 Ohio Auto Insurance Quotes youcomparequotes 10379
26 Arkansas Car Insurance youcomparequotes 10379
25 New York Car Insurance Quotes youcomparequotes 10377
24 Florida Auto Insurance Quotes youcomparequotes 10376
23 Kentucky Auto Insurance youcomparequotes 10360
22 Find Maine Car Insurance youcomparequotes 10344
21 Tennessee Car Insurance youcomparequotes 10336
20 New Jersey Auto Insurance youcomparequotes 10321
19 Wisconsin Car Insurance youcomparequotes 10320
18 Idaho Car Insurance youcomparequotes 10302
17 West Virgina Auto Insurance youcomparequotes 10269
16 Montana Car Insurance youcomparequotes 10259
15 Connecticut Auto Insurance youcomparequotes 10246
14 Nebraska Car Insurance youcomparequotes 10232
13 Alabama Car Insurance youcomparequotes 10222
12 Michigan Car Insurance youcomparequotes 10209
11 Rhode Island Car Insurance youcomparequotes 10191
10 Kansas Car Insurance youcomparequotes 10190
9 New Jersey Car Insurance youcomparequotes 10182
8 Illinois Auto Insurance youcomparequotes 10080
7 Vermont Auto Insurance youcomparequotes 10051
6 Georgia Car Insurance youcomparequotes 10041
5 Colorado Auto Insurance youcomparequotes 9993
4 New Mexico Auto Insurance youcomparequotes 9953
3 Michigan Auto Insurance youcomparequotes 9939
» South Dakota Auto Insurance youcomparequotes 9918
1 New Mexico Car Insurance youcomparequotes 9834
XE Login