Car Insurance Basics: What Every South Dakota Driver Should Know
7/10/25, 3:30 PM
Whether you just bought your first car or you've been driving for years, understanding car insurance is essential for every South Dakota driver. Here are the basics to keep you protected on the road.
1. Minimum Coverage Requirements in South Dakota
South Dakota law requires all drivers to carry liability insurance with at least the following limits:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage
This coverage helps pay for injuries or damage you cause to others in an accident. Driving without insurance can lead to fines, license suspension, and even jail time.
2. Optional Coverage Types
While liability coverage is mandatory, other types of insurance can offer additional protection:
Collision: Covers damage to your car in an accident.
Comprehensive: Protects against non-collision incidents like theft, fire, or hail.
Uninsured/Underinsured Motorist: Covers your costs if you're hit by a driver with insufficient or no insurance.
Medical Payments: Helps cover medical expenses for you and your passengers.
3. Factors That Affect Your Premium
Insurance companies consider several factors when determining your premium, including:
Age, gender, and marital status
Driving record and accident history
Type and age of your vehicle
Credit score (in most cases)
Where you live in South Dakota
4. Tips to Save on Car Insurance
Compare quotes from multiple insurers
Bundle your car insurance with home or renters insurance
Maintain a clean driving record
Consider increasing your deductible to lower your premium
Ask about discounts for things like good grades, defensive driving courses, or low mileage
Understanding the basics of car insurance helps you make informed decisions and stay protected on the road. For South Dakotans, making sure you're covered is more than smart—it's the law.