South Dakota Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of South Dakota is $25,000 for injury, $50,000 for all injuries, and $50,000 in property damage. Commonly referred to as 25/50/50 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
  • Policy Declaration Page
  • The actual liability insurance policy issued for the vehicle
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

Below is a list of violations and their corresponding point values:

  • Driving while intoxicated – 10 points
  • Reckless driving – 8 points
  • Eluding/attempting to elude authorities – 6 points
  • Drag racing – 6 points
  • Failure to yield right of way – 4 points
  • Improper passing – 4 points
  • Driving on the wrong side of roadway – 4 points
  • Stop sign/light violation – 3 points
  • Other moving violation – 2 points
Drivers that accumulate 15 points within a 1 year period, or 22 points within a 2 year period, will have their license suspended.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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