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Each time you get behind the wheel of a car in South Dakota, you are assuming full financial responsibility for any damages you cause.
If you cause an accident, you are therefore required to pay the full amount of vehicle repairs, medical bills, and more for all other parties involved. South Dakota requires its drivers to buy auto insurance coverage to ensure that they have the financial means to comply with this law.
However, in comparison to many other states, the South Dakota auto coverage requirement is minimal, and you may benefit by purchasing additional insurance from a reputable provider. Make sure to compare the best rates for your coverage with our free quote tool above!
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When you learn more about the minimum coverage requirements for South Dakota’s drivers, you will learn that this state has auto coverage requirements for both the types of coverage you need to buy and the limits of each coverage type.
You may choose to purchase additional auto insurance at your discretion, and there may be some benefits associated with taking this step.
Car insurance is mandatory for South Dakota drivers, and you should be able to prove that you comply with the state’s legal requirements for auto insurance at any time. The legal auto insurance requirement in South Dakota includes:
These are the standard auto insurance requirements in South Dakota for typical passenger vehicles used for private purposes.
If you have a commercial vehicle, an inoperable vehicle, a classic car, or other unique circumstances in South Dakota, other insurance requirements may apply to you.
Speaking with your insurance agent about your unique situation may help you to determine the steps you need to take to properly insure your vehicle per state law.
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When you drive without the required types and amounts of auto insurance in South Dakota, you are taking your chances that you will not be involved in an accident.
All damages that you cause are your responsibility regardless of whether or not you have insurance to assist you with paying for those damages.
Your risk for having to pay a significant amount of money related to an accident increases dramatically when you do not comply with South Dakota’s insurance requirement.
In addition, drivers who are non-compliant with this law may also face other consequences. These consequences include:
For example, the state requirement for car insurance does not provide any benefits related to the repair or replacement of your own vehicle, and you may prefer to have this benefit if you are involved in a damaging accident.
Getting a quote for different coverage types and limits can help you to determine how to set up coverage that is affordable for your budget.
While South Dakota drivers want to buy at least the minimum amount of insurance required by law, you also may be focused on finding the best overall value.
You need to determine how much coverage you want to buy, and you also should use the Internet to research the financial rating and customer service satisfaction rating for leading providers.
After you have determined which providers you want to contact for a quote and how much insurance you want to receive a quote for, you can request online quotes.
Shopping for insurance is not a one-time project. Numerous factors are used to determine auto insurance rates, and each of these factors may change over a short period of time. South Dakota residents who are most concerned about saving money on auto insurance will compare rates for new coverage every six months. Get your free quote today with our free comparison tool below!