South Dakota

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

UM+UIM

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1999-01-01

Uninsured / Underinsured Motorist

Mandatory minimums require 25/50 coverage levels for both UM and UIM.

SR-22 Filings

Required for 3 consecutive years following high-risk driver behavior or conviction records.

Alternatives to Insurance

A $50,000 cash or securities deposit placed with the Department of Public Safety.

Official Source

South Dakota Department of Public Safety

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.