South Dakota Auto Insurance

Posted by Harry Wagner

Are you shopping for cheap South Dakota car insurance? If you answered yes, now is the time to start pricing the cost of insurance with other reputable insurance companies in the state. You do not have to sit back and watch your rates rise every time you renew your policy. By using the rate comparison tool at the top of the page, all you need to do is enter your zip code and you can retrieve South Dakota auto insurance quotes from premier companies offering premium coverage and low premiums.

South Dakota Auto Insurance Requirements and Laws

In Mount Rushmore State, all motorists must carry auto insurance as proof of financial responsibility. Because South Dakota is one of the many states that operates under the tort system, all drivers are responsible for car accidents that they are deemed at-fault for. Failing to carry continuous auto insurance in SD can land motorists in hot water. Statistics show that about 7% of the population in SD is driving without insurance. The state takes uninsured motorist convictions very seriously and may levy each of the following penalties if you are caught driving without insurance:

  • Citation leading to a Class 2 misdemeanor if convicted
  • Fines up to $1000
  • Between 30 days and 6 months in jail
  • License suspension for up to 1 year with a requirement to file an SR-22 for 3 years

To prevent being penalized or fined it is easiest to purchase auto insurance that is affordable and comprehensive. Here is a list of the coverage limits required by state law:

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $25,000 per accident
  • Bodily Injury: $25,000 per person, $50,000 per accident

While these are the coverage limits required by state time, all drivers should take time to purchase higher limits if they can afford to do so. If your vehicle is financed or leased, your lender or lessor will require that you carry full coverage which includes comprehensive and collision.

Tips on Finding Cheap Car Insurance in SD

If you are considering dropping optional coverages just to save money, think again. By comparing the rates with several insurers and taking advantage of discounts, you can save money without compromising your protection. Here are some tips on saving money without lowering your coverage:

  • Select higher deductibles to lower your physical damage premiums
  • Advise your agent of your prior license number if you have been licensed in another state
  • Ask your insurer for a Letter of Experience to show you are claims-free
  • Take safe driving or mature driving classes to get discounts
  • Always take traffic school for violations if you are eligible

Price the cost of insurance with several insurance companies and never even leave your home. By entering your zip code and your personal information, you can save money off of your premiums and switch to an insurer that will offer you the competitive rates you deserve and the coverage options you need.