Does South Dakota have minimum requirements for car insurance?

Yes. South Dakotans must carry the following minimum liability coverage limits:

  • $25,000 in bodily injury liability per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage liability

You can increase your liability coverage limits to better protect your assets, if necessary.

South Dakota also requires uninsured/underinsured motorist bodily injury at the following minimum limits:

  • $25,000 in uninsured/underinsured motorist bodily injury per person
  • $50,000 in uninsured/underinsured motorist bodily injury per accident

Uninsured/underinsured motorist bodily injury coverage safeguards against injuries sustained in an accident with a driver who has no insurance or not enough coverage.

Add comprehensive and collision coverage for vehicle protection

If you're leasing or financing your vehicle, your lender will likely mandate physical damage coverages. Discover how comprehensive and collision coverage can protect your vehicle against damage.

Bundling your home and auto insurance policies with Progressive can help you save. New customers who save bundling home and auto save over 20% on average.*

How much is car insurance in South Dakota?

In 2020, the average cost for a liability-only auto insurance policy from Progressive in South Dakota was $111 per month.** Rates vary based on many factors, including your driving history, coverage selections, and location.

Are there discounts available to lower my insurance cost?

Progressive offers a range of cost-cutting discounts, such as:

  • Five-year accident-free
  • Multi-car
  • Electronic Funds Transfer (EFT)
  • Homeowner
  • Online quote
  • Paperless
  • Multi-policy
  • Paid in full

See more auto insurance discounts.

Check out these interesting facts about driving in South Dakota:

  1. A 2020 South Dakota law increased the teen driver permit phase from 90 to 180 days and added additional supervised driving requirements. Learn more about adding a teen driver to your auto insurance policy.

  2. South Dakota’s dust and windstorms can cause windshield damage from flying rocks. See how your auto insurance can cover windshield and glass damage.

  3. In 2019, South Dakota ranked 4th in the nation for the most claims from colliding with an animal. Comprehensive coverage can protect against an unexpected mishap with a deer or other wildlife.

How can I get a quote for car insurance in South Dakota?


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