South Dakota Auto Insurance

The state of South Dakota is currently enjoying a slight dip in the price of auto insurance and figures supplied for the first quarter of 2010 indicate that the average cost of a policy has dropped by 2%. This will be incredibly welcome news to residents and motorists in the Mount Rushmore State, especially as the open topography of South Dakota already helps to keep premiums at a minimum.

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Although the national average for auto insurance across the United States is $1,576, drivers in South Dakota are only paying an average of $1,217 and this is one of the lowest mean premiums in the country.

South Dakota state law requires all motorists to carry a minimum level of auto insurance coverage. The Tort system is used and any individual found to be at fault in a road traffic accident will see other motorists making claims for bodily injury and property damage from their insurance company. The minimum levels of auto insurance in South Dakota are actually quite high even though premiums are well controlled. It is compulsory for all motorists to carry the following levels of coverage before using their vehicles:

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $25,000 worth of property damage coverage
  • $25,000 of protection against uninsured or underinsured motorists per person
  • $50,000 of protection against uninsured or underinsured motorists per accident

Although motorists are not required to carry uninsured motorist property damage cover and personal injury protection, it is still advisable to do so. Often, comprehensive coverage is a good option, especially if motorists own a newer vehicle.

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