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South Dakota Automobile Insurance Requirements

State law in South Dakota requires that you have minimum Bodily Injury Liability of $25,000 per person - $50,000 per accident limit, and Property Damage limit of $25,000. This basic liability coverage is often referred to as 25/50/25 coverage.

South Dakota Insurance Coverage Limit Minimum
Bodily Injury $25,000/$50,000 - Property Damage $25,000
Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000

South Dakota follows a Tort insurance system which means someone is always found at fault for causing an accident, that individual and their insurer is responsible to pay for all damages. Each individual state tort system may vary.

South Dakota law requires you to buy Uninsured/Underinsured Motorist coverage to protect against damages caused to you and your passengers by an Uninsured/Underinsured driver in the amount of $25,000 per person up to a total of $50,000 per accident for any bodily injury.

When getting a quote with QuoteMatcher.com, you will discover that our coverage page gives you the option to select coverages to match your individual needs, you can customize every deductible or limit. If you are unsure of a particular limit to choose, the option is always available to make a change before you buy your policy.

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