Did you know that South Dakota has more shoreline than Florida? If that doesn’t make you want to pack up the car and hit the road for the beach, we don’t know what will. But first, you need great car insurance coverage that protects you from the unexpected and that doesn’t break the bank.
We’ve got you covered. Keep reading for a guide to South Dakota auto insurance, from the minimum amount of coverage you legally need to have to ways to put a little more money back in your pocket.
Let’s get started
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Before we get into it, we want to quickly review the minimum auto insurance requirements for the state of South Dakota. Driving without car insurance is against the law in almost every state, and South Dakota is no exception. You need to maintain a certain amount of car insurance too, which includes:
These are the bare minimums you need to have when it comes to car insurance, and it’s recommended that you get more than this if you can. After all, one accident can quickly add up in terms of medical bills and damage to a car.
If you’re interested in more coverage, keep reading. We’ll explore all of your options in the Mount Rushmore State.
The minimum car insurance doesn’t get you very far. Plus, you will notice that aside from uninsured/underinsured motorist coverage, it mostly protects the other driver and their passengers, not you.
This is why you might want to beef up your policy, and you have plenty of options to do so. Here are the common car insurance coverage options in South Dakota:
As you can see, there are more options out there than just the minimum car insurance coverage. Additional options can help better protect you and your passengers, not to mention your vehicle.
But the list doesn’t end there. While these policy options help build out your main policy, there are riders or endorsements that you can also choose to add to your policy to really round it up. These include:
These are some examples of optional coverage you can add to your policy. However, they’re not free, so make sure they are worth it to you and your peace of mind before adding. Every insurer is different, so you may find variations of these and other riders at different providers.
Speaking of free, car insurance is anything but. The cost of car insurance is something you’ll have to live with if you want to get behind the wheel. But it doesn’t have to break the bank. Later, we’ll show you ways to find savings on car insurance, but for now, let’s go through the numbers to get a sense of what you can expect to pay.
If these numbers make you want to forego additional coverage and stick with the minimum requirements, think again: you might save on car insurance month-to-month, but if a bad accident occurs, you’ll be hit with the bill for everything insurance doesn’t cover. This can quickly add up to tens of thousands of dollars, and most people simply can’t afford that.
This is why it makes sense to pay more for full coverage now, rather than risk the financial strain of thousands in damages down the line. Click here to get access to free car insurance quotes, so you can find out exactly how much you can expect to pay.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Good news: you can find affordable car insurance coverage no matter where you live. And it doesn’t mean you have to cut back on coverage. These tips help you get the best of both worlds, which means budget-friendly car insurance and coverage that protects you.
Here are our top tips for saving money on car insurance in South Dakota:
You’re in the driver’s seat when it comes to your car insurance rates. These tips can get you as much as 30% off of your car insurance costs, so what are you waiting for?
Here’s another tip: if the gorgeous state parks and renowned hunting and fishing in South Dakota are calling your name for retirement, we don’t blame you. But first, check out our free retirement planning guide so that you set yourself up for success.
You have options for car insurance in South Dakota, and that’s a good thing. But some providers are more reputable than others. Here’s a good rule of thumb: if it seems too good to be true, it probably is. Dirt cheap car insurance exists, but it doesn’t offer you the protection and coverage you deserve.
Here are some of the best car insurance providers in South Dakota that you should check out:
Start with these when gathering quotes, and add more in if needed.
Now that you have a better idea of the coverage you need and what you can expect to pay (plus the best tips to save on premiums), it’s time to get quotes. You know that you should gather at least three different quotes and compare them in order to find the best deal possible.
We want to save you time (and money). Get access to free quotes fast here, so that you can get back on the road with peace of mind. We’ve got you covered.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
