Buy Cheap South Dakota Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident
Underinsured Motorist
$25,000 limit per person / $50,000 limit per accident
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap South Dakota Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers with a Learner or Intermediate License cannot use a cell phone at all while driving.
Texting Ban:
Yes
In South Dakota, text messaging is banned for all drivers.
DUI Laws
Buy Cheap South Dakota Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.17
There's an increased penalty for drivers with a BAC of 0.17 or above.
1st offense Suspension:
30 days - 1 year
Administrative license suspension on the 1st offense: In South Dakota, law enforcers can confiscate a first-time offender's driver's license for 30 days to one year if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted. Refusal to submit to a chemical test will result in a 30 day administrative license suspension.
Ignition Interlocks:
Discretionary
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. South Dakota made the installation of ignition interlocks discretionary.
Repeat Offenders:
None
None in South Dakota.
Open Container Law:
Yes
No driver or passenger can have any receptacle that contains any amount of alcohol that is open or unsealed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers. Open containers must be transported in the trunk of the vehicle or in an area not accessible by the driver or passengers.
Graduated Drivers License
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Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 14 years of age, individuals can begin driving with supervision for a period lasting a minimum of 90 days if taking driver's education and a minimum of 180 if not taking driver's education. In this stage, there are no supervised driving hour restrictions for South Dakota novice drivers.
Intermediate Stage:
Min. Age: 14 and 90 days or 14 and 180 days (depending on if taking driver's ed)
Night Driving Restriction: 10pm-6am
Passenger Restriction: None
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 14 and 90 days (if took driver's education) or 14 and 180 days (if didn't take driver's education) are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 10pm and 6am and do not have any passenger restrictions.
Full Privilege Age:
Age: 16
(Full driver's license): At the age of 16, South Dakota drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Urban Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
70 MPH
Page Source: ghsa.org
Buy Cheap South Dakota Auto Insurance in 2024
Department of Insurance
Website: dlr.sd.gov/insurance/
Address: 445 E. Capital Avenue, Pierre, South Dakota 57501
Phone: 605-773-3563
Buy Cheap South Dakota Auto Insurance in 2024
DMV Information
Website: dor.sd.gov/
Phone: 605-773-3311 or 605-773-3541