South Dakota SR-22 & High-Risk Auto Insurance
South Dakota requires 25/50/25 liability coverage and is an at-fault state.
Find Carriers That Accept PointsSouth Dakota at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in South Dakota
Drivers convicted of DUI, driving without insurance, or causing an accident while uninsured typically face SR-22 filing requirements through the South Dakota Department of Public Safety. The state uses a point system where accumulating 15 points in 12 months or 22 points in 24 months triggers license suspension, and drivers with suspended licenses due to violations typically need SR-22 to reinstate.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in South Dakota
$239–$281/mo
Typical monthly rate in South Dakota, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. South Dakota's 25/50/25 minimums are the legal floor, but high-risk drivers face greater lawsuit risk and should consider 100/300/100 limits.
SR-22 Insurance
A state-mandated certificate proving continuous liability coverage, required for DUI, uninsured driving, and license suspensions in South Dakota. The certificate itself costs $15–$35, but the high-risk classification increases premiums 60–120%.
Non-Standard Auto Insurance
Coverage from insurers that specialize in high-risk drivers rejected by standard carriers due to DUIs, SR-22 requirements, or major violations. Premiums are higher but approval rates are significantly better for South Dakota drivers with impaired records.
Full Coverage
Combines liability, comprehensive, and collision to protect both your financial responsibility and your vehicle's value. Required by lenders for financed vehicles and recommended for cars worth over $5,000.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. South Dakota does not require UM coverage but insurers must offer it, and rejection requires written documentation.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders and valuable for newer vehicles, but optional for older cars where premiums exceed the vehicle's actual cash value.