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Deals On South Dakota Car Insurance

South Dakota Insurance Information

South Dakota was named after the Lakota and Dakota Sioux Native American tribes. It officially became a state in 1889. There are 77,116 square miles in the state and the population is estimated to be a little more than 800,000. Most of the state is open country, with a few small cities and towns dotting it. Two larger cities are located in the state; Rapid City is on the west side of the state and Sioux Falls is on the east side. Interstate 90 runs through South Dakota. This state is the home of Mount Rushmore and the Black Hills. These hills are full of interesting little tourist towns, some with a rich history in the old west and gold rush days, such as Deadwood. It is also the state where the yearly Sturgis bike rally occurs. Nearly every lifestyle in South Dakota involves a lot of driving.

Public transportation is minimal and every resident knows that one cannot survive without a car. Having a good South Dakota auto insurance policy is also important. Since the population is so small, the highway patrol and police must work hard to earn revenue for the state through tickets. There are very few warnings given; tickets are usually issued for nearly every large and small violation. It is crucial to have a good South Dakota car insurance policy to avoid getting a ticket that will result in an SR-22. Auto insurance in South Dakota does not have to be expensive. Most people who are paying too much for their South Dakota policy have simply not compared rates and found the best possible policy to suit their needs. This website provides a solution to that problem.

By simply using the helpful search tool on this web page, a free South Dakota auto insurance quote can be obtained. Several options will be offered for different policies. While minimum insurance complies with the law, it is beneficial to purchase additional insurance. South Dakota sees hail and severe storms in the summer, as well as snow and ice in the winter. Hail insurance is a good thing to add. For residents who live near bodies of water, flood insurance is crucial. South Dakota receives fairly heavy rain in the spring. When coupled with the water melting off the hills, this may cause flooding in some areas and will permanently ruin a car. Don't take the risk of driving without ample coverage; prevention costs less than fixing. Simply use the helpful tool on this page for a free South Dakota car insurance quote.

South Dakota Population Data At-a-Glance

824,082 total population
37 average citizen age
99 males per 100 females
1 number of cities with > 100,000 residents
Sioux Falls largest city in the state

Vital South Dakota Insurance Facts

There exist many diverse justifications to study the insurance facts affiliated with your community. Not only could you save money by possessing a better understanding of the average policy expenses, you can make choices to better protect your loved ones and yourself.

Average Annual South Dakota Insurance Premium Payment


About $87.83/Month. South Dakota ranks as the 40th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 74,167 Uninsured Drivers in the State of South Dakota

SD Licensing Rules & Regulations

When driving in South Dakota, you should have a healthy understanding of the unique licensing rules and regulations. We make it fun and simple to stay up-to-date on the latest licensing standards to assure you are compliant. Car Insurance Rates would like to encourage you to keep a record of the renewal frequency of your driver license and any associable restrictions.

Learner's Permit

14 Years

Unrestricted License

16 Years

Renewal Frequency

5 Years

Safety Requirements, Handheld Devices in South Dakota

South Dakota vehicle safety laws were instituted to protect drivers and passengers. Make certain you comprehend the specific laws and codes relevant to handheld devices and seatbelts. Rest assured you shall save time and money by being faithful to the current driving laws.

Seatbelt Offenses


Motorcycle Helmets

17 and Under

Handhelds Banned?


Text-Messaging Banned?


South Dakota Impaired Driving Laws

Those who drink and drive are setting themselves up for distressing fines, possible jail time and other penalties. Do not set yourself up for failure when choosing to drink. Rely on a cab or a competent designated driver to get home unharmed.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

12 Days

Maximum Jail Sentence

365 Days

SR-22 Required?


Open Container Law