South Dakota Car Insurance

South Dakota Car Insurance Quotes

If you’re a driver in The Mount Rushmore State and are looking for a South Dakota car insurance quote or information about buying car insurance in South Dakota, you’ve come to the right place. The AARP^® Auto Insurance Program from The Hartford¹ has been protecting AARP members and their families with South Dakota auto insurance since 1984.

Whether you’re exploring the Badlands or visiting Mount Rushmore, the AARP Auto Insurance Program from The Hartford will keep you secure as you travel along South Dakota’s roadways. We’ve earned a reputation for integrity and trust from our customers for our claim service.

Does South Dakota Require Car Insurance?

Being a South Dakota driver comes with financial responsibility. You must carry the minimum coverage of auto insurance required by state law.

What Is the Minimum Insurance Policy That South Dakota Requires?

While coverage limits vary by state, South Dakota requires liability car insurance at the following minimum limits:²

Bodily injury liability: $25,000 per person, $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured/underinsured motorist: $25,000 per person, $50,000 per accident

Additional South Dakota Car Insurance Coverages and Benefits

For added protection, drivers in South Dakota may also be eligible for the following car insurance coverages from the AARP Auto Insurance Program from The Hartford:

Comprehensive Car Insurance
Roadside Assistance
Transportation Expense

Proof of South Dakota Auto Insurance

South Dakota state law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. If you’re a licensed driver in the state of South Dakota, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. South Dakota is also among several states that now accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

How Much Does South Dakota Car Insurance Cost?

The average cost of car insurance in South Dakota is $1,553 per year. Car insurance rates in South Dakota are less expensive than the national average of $2,014 per year.³

Car Insurance Benefits Offered to South Dakota Drivers

Drivers in South Dakota could receive valuable car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford, including:

New Car Replacement^‡
Accident Forgiveness^‡
Disappearing Deductible^‡
24/7 Claim Service

Staying Safe on South Dakota Roads

As you travel through South Dakota, there are a number of safe driving laws meant to protect you on South Dakota’s highways and byways. Here are just a few:⁴

South Dakota Seat Belt Laws:

Although the state of South Dakota does not have mandatory seat belt laws, law enforcement can ticket you for this violation if you are pulled over for another reason.

South Dakota Distracted Driving Laws:

South Dakota has a number of laws in place to discourage distracted driving:

New drivers in South Dakota are not allowed to use hand-held cell phones.
Texting while driving is banned in the State of South Dakota.

South Dakota Teen Driver Laws:

Getting a driver’s license is a rite of passage for teens, and South Dakota wants to be sure young drivers stay safe in the process. South Dakota has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

Get a Free South Dakota Car Insurance Quote

There are many car insurance companies to choose from. We’re a car insurance company in South Dakota with representatives eager to help you customize your coverage to fit your needs. Find out more about the benefits for AARP members. Call us at 800-684-1933 to speak to a representative or get a car insurance quote online today for car insurance in South Dakota.

Last Updated: July 6, 2023

² South Dakota Division of Insurance, “Auto Insurance Coverage”

³ Bankrate, “Average cost of car insurance in South Dakota in 2023”

⁴ Governors Highway Safety Association, “States”