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Optional car insurance coverage in South Dakota
While you’re required to carry liability insurance and UM/UIM in South Dakota, you can get greater peace of mind and financial protection by adding other coverages to your policy:
Comprehensive coverage: Covers damage to your vehicle that results from severe weather, theft, vandalism, or hitting an animal
Collision coverage: Covers damage to your vehicle that results from a collision with another car or a stationary object
Gap insurance
: Gap insurance pays the difference between your vehicle’s actual cash value
and the amount owing on your loan or lease after a total loss.
Penalties for driving without insurance in South Dakota
If you’re caught driving without proof of insurance
in South Dakota, you may face the followint penalties: Vehicle registration suspension
If you commit subsequent offenses, you may face all of the aforementioned penalties along with up to $500 in fines.
FAQs
Is South Dakota a no-fault state for auto insurance?
No—South Dakota is an at-fault state, meaning that the driver responsible for causing the auto accident must pay for the losses of the other parties involved.
Are you required to have a car insurance policy in South Dakota?
If you drive a car, no matter how often, you are required to have coverage that meets or exceeds the South Dakota minimum requirements of 25/50/25 in liability insurance and 25/50 in uninsured motorist coverage.
How long do you have to get an auto insurance policy after buying a used car in South Dakota?
You must have a car insurance policy in place at the time you pick up your vehicle as it is illegal to drive without insurance coverage. You can compare insurance rates before purchasing your vehicle and then schedule the policy to begin on the day you take possession of the car.