Car Insurance in South Dakota

South Dakota Car Insurance

Every driver in South Dakota is required to demonstrate his or her financial responsibility for using the vehicle legally.

A common way for drivers to meet this requirement is by purchasing car insurance.

CarInsurance Requirements

To comply with South Dakota law, you will need to purchase and maintain:

Credit inclusion.

Unsafe and guaranteed driver protection.

Credit Insurance

In order to cover the costs of damage or damage to property of another person in an accident you have caused, you must keep the following estimated recovery costs:

$ 25,000 per body injury or death, per person.

$ 50,000 for bodily injury or multiple casualties.

$ 25,000 for property damage.

Driver Uninsured Car Insurance

All car insurance policies in South Dakota must include coverage to cover accidental injuries with a missing driver, or a driver who does not have enough insurance to cover your expenses.

Optional view

Insurance companies offer a wide range of options that give drivers extra protection in the event of an accident.

 When purchasing insurance quote ratings, remember to check which of the following types of coverage you would like to add to your policy. Optional inputs include:

 Collision Helps cover your expenses when your car is damaged after an accident.

Comprehensive - You pay for non-accidental damage to your vehicle, such as property damage and theft.

Medical coverage - Cover your post-accident medical expenses, up to the limit of your coverage.

Auto loan / rental - Helps to cover the difference between the amount you owe on your car and the current real value.

Traction and performance.

Custom-made parts and equipment.

Refund of lease.

Proof of Insurance

South Dakota law requires all drivers in the state to have proof of insurance in their vehicle at all times and to provide a police officer on request.

 The most common proof of insurance is your ID card provided by your insurance company, which includes:

 Name of insurance company.

Your policy number.

Covered work date and expiration date.

NOTE: If you choose to substantiate your financial liability in some way, the proof may be a deposit certificate from the National Treasury or a Certificate of Insurance.

 Vehicle Insurance Violations

It is illegal to drive in South Dakota without car insurance. If you are found to be driving unverified, you will face the following:

 $ 100 end.

30 days in jail.

Suspension of your driver's license for up to 1 year.

Required proof of SR-22 insurance for three years (see below).

SR-22

Unconfirmed driving may result in mandatory SR-22 filing. The SR-22 is proof of insurance that guarantees you will hold a minimum amount of cover for a full three years.

 Any insurance companies licensed to do business in South Dakota can submit this form to you.

 If you neglect to install SR-22, you will be subject to:

 Suspension of driver's license.

Suspension of registration of your vehicle and license plates.

NOTE: If, at any time, you change vehicles or insurance companies, you should ask your insurance company to re-file SR-22.

 Policy Cancellation

Your insurance company reserves the right not to renew your car insurance policy for any reason; however, they must give notice before canceling the policy.

 Where you cancel, your insurance company can only choose to cancel your policy during your IF:

 You have not paid your premium.

You have lost your driving rights.

NOTE: Excessive traffic violations can affect your ability to obtain or renew car insurance. (See “South Dakota Automobile Insurance Plan” below.)

 
South Dakota Car Insurance System

Having a bad driving record or a history of multiple claims can make it very difficult to obtain or maintain a car insurance policy, as car insurance companies are reluctant to take an unnecessary risk.

 If you cannot find an insurance company to pay you, you can apply through the South Dakota Automobile Insurance Plan.

 The program provides “high-risk” drivers with the opportunity to obtain the required car insurance by spreading the risk to all the insurance providers in the system.

 You can get help from any licensed insurance provider to apply for the program.

 NOTE: Car insurance obtained by the program is usually very expensive. Try to eliminate all of your policy options in the open market before using this one.

 Questions and concerns

In some cases, the coverage of car insurance may be confusing or difficult to navigate. The South Dakota Division of Insurance provides customer support.

 By using this Section, you can:

 File a complaint.

Report allegations of fraud.

Complaints

If you have a problem with your car insurance company that you can't fix with them, you can ask the Department for help by filing a complaint. To do so, complete the online complaint form and:

 Select the "Electronic" option below.

OR

Print and send the form to the address on the form.

Car Insurance Fraud

In the event of a fraud scam, car insurance companies pay a premium. Usually, these costs are provided to the consumer by increased premiums.

 You can help by reporting insurance fraud when you suspect it. If you feel that you have been the victim of fraud, or if you suspect that it has happened to someone else, you can contact the Department:

 Call (605) 773-6325.

Fax to (605) 773-5369.

By email at shulensefraud@state.sd.us.

Determining the Values ​​of Your SD Insurance

When comparing car insurance quotes, it is important to remember that many companies measure things differently. These factors usually include:

 Your age and gender.

Your credit history.

The main use of your car.

Your driving record.

The amount of cover you are trying to buy.

Your car:

Age.

Do it.

Model.

The deductible you choose.

Choosing a higher withdrawal will get you lower premiums.

The main place where you will park your car.

Any applicable discounts (see below).

Auto Insurance Discounts

Discounts can make a huge difference in the rates you get when you compare-buy car insurance. Be sure to ask what discounts may apply to you. Usually, the discounts available include:

 Good driver.

Good student.

Multiple policy.

Driver training.

There is no danger.

Security device.

Lots of cars.

Car safety.

Always remember that the safest bet to get cheap car insurance in South Dakota is to drive safely and avoid accidents. A good driving record is an important factor in purchasing and maintaining affordable car insurance.

 

Many Stolen Vehicles in South Dakota

If your car is a common victim of car theft, you may be facing high levels of car insurance.

 The following is a list of the most stolen cars in South Dakota of 2013, according to www.nicb.org:

 Ford Pickup (Full Size).

Chevrolet Pickup (Full Size).

Ford Taurus.

Buick Lesabre.

Dodge Pickup (Full Size).

Pontiac Grand Prix.

GMC Capture (Full Size).

Ford Explorer.

Pontiac Grand Am.

Chevrolet Impala.