South Dakota SR-22 & High-Risk Auto Insurance
South Dakota requires 25/50/25 liability coverage and is an at-fault state.
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South Dakota at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in South Dakota
Drivers with DUI convictions, suspensions for violations, at-fault uninsured accidents, or repeated offenses typically must file SR-22 proof of financial responsibility with the South Dakota Department of Public Safety for 3 years. The state penalizes lapses during the SR-22 period with license suspension and requirement period restarts.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in South Dakota
$239–$281/mo
Typical monthly rate in South Dakota, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- SR-22 filing duration: continuous coverage for 3 years without lapse qualifies you for standard market re-entry
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
SR-22 Insurance
Proof-of-insurance filing required by the state for 3 years after DUI, suspension, or major violations. The certificate itself costs $15–$35, but the underlying policy costs $200–$400/mo due to high-risk surcharges.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, multiple violations, or lapses. Non-standard carriers accept high-risk profiles that standard insurers decline or price out.
Liability Insurance
Covers bodily injury and property damage you cause to others. South Dakota requires 25/50/25, but high-risk drivers should carry 50/100/50 or higher to protect assets in lawsuits.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you're hit by an uninsured or underinsured driver. Not required in South Dakota but recommended given the state's 11% uninsured rate.
Full Coverage
Liability plus comprehensive and collision. Required by lenders if you finance or lease. Covers damage to your own vehicle from accidents, theft, weather, and vandalism.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident. Required by lenders and optional for drivers who own vehicles outright.