The Mount Rushmore State

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South Dakota Auto Insurance Coverage

Home to the Black Hills and the Badlands National Park, there's a lot to explore when in South Dakota. But, whether you're new in town or have deep roots in the Mount Rushmore state, it's important to understand the auto insurance requirements in South Dakota.

Required Auto Insurance in South Dakota

South Dakota requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. South Dakota requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $25,000 per accident.
  • Uninsured and Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident.

South Dakota Teen Driving Laws

South Dakota operates under a Graduated Driver's License (GDL) program, which includes three stages: Instruction Permit, Restricted Permit, and Full Operator's License. 

  • Instruction Permit: At 14, South Dakota teens may obtain an Instruction Permit after passing a written exam. An Instruction Permit allows teens to drive with a parent or legal guardian. Teens must complete 50 hours of supervised driving practice (10 hours at night and 10 in inclement weather) before moving to the next stage.
  • Restricted Permit: After holding their permit for 180 days with driver's ed, or 275 days without driver's ed, teens may apply for their Restricted Permit. With a Restricted Permit, teens cannot drive unsupervised between 10:00 PM and 6:00 AM.
  • Full Operator's License: At 16, or after holding a Restricted Permit for at least 6 months, teens may apply for their Full Operator's License if the driver has no traffic violations on their driving record.

Please be aware of additional restrictions for teen drivers in South Dakota.

South Dakota Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in South Dakota. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in South Dakota

No law in South Dakota states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of situations.

Start your South Dakota auto insurance quote online, or by calling (888) 772-4247.

Learn More About South Dakota

A state of South Dakota road sign
About South Dakota

South Dakota became America's 40th state in 1889. As the home of Mount Rushmore and the Black Hills, South Dakota is a state full of adventure and hiking trails.