South Dakota Auto Insurance Requirements and Coverage - Sioux Falls
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South Dakota has the 43rd greatest number of uninsured drivers on the road accounting for 9% of drivers*
Minimum requirements
- $25,000 bodily injury coverage for one person in one accident
- $50,000 bodily injury coverage total per accident
- $25,000 property damage coverage per accident
Penalties for driving without insurance
- A fine of $150 for a first offense as well as an additional fee of $100 and/or 30 days in jail
- If you are in an accident you will receive 14 points on you license and suspension of your license for 30 days to 1 year
- You must file form SR22 for three years
- The SR-22 is a certificate of financial responsibility that your insurance company will file with the Department of Motor Vehicles (DMV)
Unlike most other states there are no additional requirements for older drivers