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The minimum requirements for car insurance in South Dakota

South Dakota has several busy and not-so-crowded roads, giving it a diverse status among American roads.

Drivers that need to ply routes across South Dakota need correct documentation and auto insurance.

Insurance policies for drivers in South Dakota vary statewide. And if you live in Rapid City, it may be difficult to get cheap auto insurance rates without correct information.

And aside from getting cheap insurance rates, knowing more about auto policies could help your long-term premium payments. Leveraging information from is your best bet to getting great rates in Rapid City.

Make the most of the info right here, and get affordable rates in SD without hassle.

Minimum Car Insurance Requirements in South Dakota

South Dakota requires all vehicle users to possess proof of insurance in their car at all times. The law also makes it mandatory to provide such proof to law enforcement agencies on request.

Aside from obvious rules that apply in most US states, South Dakota law also requires minimum liability cover for drivers. In the state, this minimum liability coverage is simply referred to as 25/50/25.

What this fraction represents is spelled out below;

  • 25 – $25,000 bodily injury liability for each person
  • 50 – $50,000 bodily injury liability for each accident
  • 25 – $25,000 property damage liability for each accident

Bodily injury cover provides funding if you harm anyone during an accident.

The minimum $25,000 law also covers the death or severe injury of an individual or $50,000 for multiple victims.

If you try to access this cover, most insurance companies will not be able to assist you over the limit. Such a scenario means extra expenses, if any, will have to come out of pocket.

$25,000 is also set as a minimum for covering property damages in an accident. South Dakota requires drivers to possess such cover. And extra expenses, if any arise, are expected to be paid from your pocket.

Also, what happens if you are involved in an accident with an uninsured or underinsured driver?

Chances are slim to get involved in an accident with uninsured/underinsured motorists. Currently, stats put the number of underinsured and uninsured drivers at less than 8%.

With just one out of more than a dozen drivers having no insurance, it may not seem a big deal to handle. But your insurance package is expected to provide cover if such an event happens in line with South Dakota law. Your insurance should cover,

  • $25,000 for underinsured or insured motorist injuries for each person, and
  • $50,000 for each accident

Uninsured motorist cover pays your medical bills if you get hurt in a hit-and-run incident or with a no-insurance driver. Underinsured cover also provides funding if you get hit by someone that cannot cover expenses after the accident.

S/N Category Requirements
1 Bodily Damage or Death $25,000 liability coverage per person and $50,000 per accident
2 Property Damage $25,000 liability coverage per accident
3 Uninsured Motorist $25,000 liability coverage per person and $50,000 per accident
4 Underinsured Motorist $25,000 liability coverage per person and $50,000 per accident

How Much Does Car Insurance Cost in Rapid City, SD?

South Dakota has lower average rates than the national figure for annual insurance costs. Prices may be higher in Rapid City than other parts of South Dakota, but still fall below national averages.

Car owners’ keen on a pocket-friendly insurance package will find this information comforting news.

Consider averages below to get a clear idea of expected rates in Rapid City,

  • Mean annual car insurance costs (national level): $1320
  • Mean annual car insurance costs (South Dakota): $1190
  • Mean annual car insurance costs (Rapid City, SD): $1250
Cities Average Cost/Month
Aberdeen $92
Brookings $86
Rapid City $84
Sioux Falls $103
Watertown $101

The figures below are mere estimates and are not representative of expected figures across ages. Several factors can swing these figures both ways. Most insurance policy providers will consider the following before offering you a coverage plan,

  • Coverage preferences – minimum liability cover, comprehensive cover, etc.
  • Data on other licensed drivers in your home, if any
  • How many vehicles you intend to add to your insurance policy
  • Location you are likely to commute with the vehicle you intend adding to your policy
  • Your homeownership status
  • Your occupation, marital status, gender, age, credit rating, claims frequency, road record, etc.
  • Your preferred parking space
  • Your vehicle specifications – model, make, year of manufacturing, etc.

Bundling insurance policies is a great way to reduce premium costs. Consider getting advice on merging your home and car insurance will give you more options.

The best way to get information on bundling home and car insurance is to contact an agent. Agents will help you get great quotes and remove the stress attached to comparing multiple policy providers.

And as you’ll have it, you can get access to the best auto policies in South Dakota through Make the most of what agents have on offer, and get great SD deals without hassle!

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