Car Insurance in South Dakota
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Car Insurance Liability Requirements in South Dakota
- Minimum Liability Limits in SD: 25/50/25 [4]
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- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 for property damage in an accident
- Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in South Dakota
- Auto Insurance Coverage Requirements in SD [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
Car Insurance Verification Laws in South Dakota
- Insurer Verification of Auto Insurance in SD [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
South Dakota Car Insurance Facts, Estimates & Related Laws
South Dakota Car Insurance Facts
- Average Car Insurance Rates in SD
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- South Dakota had the 51st highest auto insurance rates in the nation in 2010. [2]
- Rates in SD ranked 50th in the nation in 2009. [2]
- In 2008, SD had the 50th highest rates in the country. [2]
- Number of Auto Insurance Policies in SD
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- South Dakota ranked 44th in the nation in auto insurance policies in 2011 with a total of 687,592. [1]
- Uninsured Motorist Rate in SD
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- The uninsured motorist rate in SD ranked 43rd in the nation in 2009. [3]
South Dakota Distracted Driving Laws
- Hand-held phone ban? No
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for learner's permit and intermediate license holders. [7]
- Young drivers cell phone ban? Yes
- Ban applies to learner's permit and intermediate license holders. [7]
- Bus driver cell phone ban? No
- Enforcement of laws:
- Secondary enforcement in effect. [7]
- With primary enforcement, a police officer can pull over a driver for that specific offense.
- Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
South Dakota Automotive Laws
- Safety Belt Laws in SD
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- Safety belt laws have been in place since 1995 and apply to drivers/passengers 18+ years in front seat. [7]
- Child restraint law in place for 4 years and younger and less than 40 pounds. [7]
- Motorcycle Helmet Laws in SD
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- Motorcycle helmets required for 17 and younger. [7]
- Driver's License Renewal Cycle in SD
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- Renewal cycle: 5 years [7]
South Dakota Auto & Driver Facts
South Dakota Automotive Facts
- Speed Limits in SD
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- Rural interstates: 75 mph [7]
- Urban interstates: 75 mph [7]
- Other roads: 70 mph [7]
- Motor Fuel Consumption in SD
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- South Dakota cities collectively ranked 45th in the nation in total motor fuel consumption in 2011. [9]
South Dakota Licensed Drivers
- Licensed Drivers in SD [10]
-
- Total Drivers: 603,258
- Female: 300,232
- Male: 303,026
- SD has the 46th most drivers in the U.S.
- Minimum Driving Age in SD [5]
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- South Dakota has a minimum driving age of 14 years.
South Dakota Auto Registrations
- Auto Registrations in SD [8]
-
- Registered Cars: 384,573
- Registered Trucks: 538,595
- Registered Motorcycles: 69,670
- Total Registrations: 995,423
- Rank: South Dakota ranked 44th in the United States in total auto registrations in 2011.
Additional information about South Dakota
About South Dakota
South Dakota has a population of approximately 814,180, which ranks 46th in the U.S. among all states. [6]
More about South Dakota auto insurance
For more information about auto insurance in SD, or for additional resources regarding South Dakota car insurance, visit the South Dakota Department of Insurance.
Did you know?
Some motorcyclists are currently required by law to wear a helmet in 47 states and the District of Columbia.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration
