Auto Insurance Minimum Requirements
South Dakota requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. South Dakota is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
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.
Fine
Up to $500
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in South Dakota?
South Dakota requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is South Dakota a no-fault state?
No, South Dakota is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in South Dakota?
Yes. South Dakota requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory minimums require 25/50 coverage levels for both UM and UIM.
What happens if I drive without insurance in South Dakota?
Driving without insurance in South Dakota can result in fines of Up to $500 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in South Dakota?
SR-22 filings are used in South Dakota for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 consecutive years following high-risk driver behavior or conviction records.
What does 25/50/25 mean in South Dakota?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
South Dakota Department of Public Safety
More South Dakota Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — South Dakota Department of Public Safety publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.