Whether you’re exploring the Badlands or visiting Mount Rushmore, the AARP Auto Insurance Program from The Hartford will keep you secure as you travel along South Dakota’s roadways. We’ve earned a reputation for integrity and trust from our customers for our claim service.
Does South Dakota Require Car Insurance?
Being a South Dakota driver comes with financial responsibility. You must carry the minimum coverage of auto insurance required by state law.
What Is the Minimum Insurance Policy That South Dakota Requires?
While coverage limits vary by state, South Dakota requires liability car insurance at the following minimum limits:2
Additional South Dakota Car Insurance Coverages and Benefits
For added protection, drivers in South Dakota may also be eligible for the following car insurance coverages from the AARP Auto Insurance Program from The Hartford:
Car Insurance Discounts in South Dakota
Some insurance companies offer different discounts to help drivers save on rates. For example, you may qualify for a discount if you complete a defensive driving course or pay your premium in full. With The Hartford, you can save up to 12% on auto insurance and up to 20% on homeowners insurance in South Dakota if you bundle both policies.** Our customers save an average of $813 when they bundled their auto and home policies.**
Proof of South Dakota Auto Insurance
South Dakota state law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. If you’re a licensed driver in the state of South Dakota, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. South Dakota is also among several states that now accept electronic proof of car insurance. With The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
How Much Does South Dakota Car Insurance Cost?
Our customers paid an average of $1,616 a year, or about $135 a month, for car insurance in South Dakota.‡‡‡ Car insurance rates vary and depend on several factors, such as location, total miles driven in a year and driving history.
Car Insurance Benefits Offered to South Dakota Drivers
- New Car Replacement‡
- Accident Forgiveness‡
- Disappearing Deductible‡
- 24/7 Claim Service
Staying Safe on South Dakota Roads
As you travel through South Dakota, there are a number of safe driving laws meant to protect you on South Dakota’s highways and byways. Here are just a few:4
South Dakota Seat Belt Laws:
Although the state of South Dakota does not have mandatory seat belt laws, law enforcement can ticket you for this violation if you are pulled over for another reason.
South Dakota Distracted Driving Laws:
South Dakota has a number of laws in place to discourage distracted driving:
- New drivers in South Dakota are not allowed to use hand-held cell phones.
- Texting while driving is banned in the State of South Dakota.
South Dakota Teen Driver Laws:
Getting a driver’s license is a rite of passage for teens, and South Dakota wants to be sure young drivers stay safe in the process. South Dakota has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Get a Free South Dakota Car Insurance Quote
There are many car insurance companies to choose from. We’re a car insurance company in South Dakota with representatives eager to help you customize your coverage to fit your needs. Find out more about the benefits for AARP members. Call us at
800-684-1933 to speak to a representative or get a
car insurance quote online today for car insurance in South Dakota.
Last Updated: October 30, 2024
2 South Dakota Division of Insurance, “Auto Insurance Coverage”
3 Bankrate, “Average cost of car insurance in South Dakota in 2023”
4 Governors Highway Safety Association, “States”
