Updated March 2026
State Requirements
South Dakota mandates minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, suspensions for excessive points, uninsured accidents, or repeat violations must file SR-22 proof of insurance with the Department of Public Safety for 3 years. Underinsured motorist coverage is also required at the same 25/50/25 limits, which matters when high-risk drivers face claims from other drivers lacking adequate coverage.
Cost Overview
High-risk auto insurance in South Dakota costs 80–250% more than standard rates, with DUI violations producing the steepest increases. A driver with one DUI and SR-22 filing typically pays $2,800–$4,200 annually for minimum liability, while those with multiple violations or at-fault accidents can see premiums reach $5,200 or higher. Rates drop gradually as violations age beyond 3–5 years, but the SR-22 filing requirement itself does not disappear from your record even after the 3-year period ends.
What Affects Your Rate
- Violation type: DUI convictions increase premiums 120–200%, while single at-fault accidents raise rates 40–80%
- SR-22 filing requirement adds administrative tracking and insurer risk, contributing $400–$800 annually beyond the violation surcharge itself
- Years since violation: rates drop 15–25% each year after the third anniversary of a DUI or major violation as the incident ages
- Carrier availability: non-standard insurers dominate South Dakota's high-risk market, with fewer carriers writing SR-22 policies in rural counties
- Coverage lapses: a 30-day gap in coverage during SR-22 period restarts the 3-year clock and adds 20–40% to renewal premiums
- Location within South Dakota: Sioux Falls and Rapid City offer more non-standard carrier options and competitive rates compared to rural areas with limited agent networks
Get non-owner SR-22 coverage without owning a vehicle
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry at least minimum liability for 3 years. Required after DUI, suspensions, or uninsured accidents in South Dakota.
Liability Insurance
Covers injuries and property damage you cause to others. Required at 25/50/25 minimums, but serious accidents in South Dakota easily exceed these limits.
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. South Dakota requires UM/UIM at the same limits as your liability policy.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, violations, or SR-22 requirements who cannot get coverage from standard carriers.
Collision Coverage
Pays to repair your vehicle after an at-fault accident. Optional unless required by a lender, but premiums for high-risk drivers run 40–80% higher than standard profiles.
Comprehensive Coverage
Covers theft, hail, animal strikes, vandalism, and weather damage. More affordable than collision for high-risk drivers, with surcharges typically 15–30% above standard rates.
