South Dakota High Risk Auto Insurance
South Dakota has 103 different automobile insurance providers licensed to underwrite and sell policies within the state of South Dakota. Some examples include Allied Property & Casualty, Fidelity National, Geico, Metropolitan, Nationwide, and Progressive.
Under the tort system used by South Dakota, one driver in any accident will be determined to be at fault and held financially responsible for any property damages and medical bills resulting from the accident. To protect drivers, South Dakota has enacted some basic, minimum liability insurance coverage that must be carried on all vehicles operated on the state's roadways. This minimum coverage includes Bodily Injury Liability of at least $25,000/$50,000 per person/per accident, Property Damage Liability of $25,000, and Uninsured/underinsured Motorist Bodily Injury protection of at least $25,000/$50,000.
All drivers in the state of South Dakota are required to carry proof of insurance in the vehicle with them and be able to show it to law enforcement officers on demand. Failure to provide proof of insurance can result in a $100 fine, 30 days in jail, 30 day suspension of driver's license and more. In addition, the individual will be required to provide proof of insurance directly from the insurance company on an SR-22 form for a period of 3 years. When required to provide SR-22 proof of insurance, drivers will have to maintain an operator only or non-owner insurance policy during the three year period even if no vehicles are owned. Understand your rights and obligations in South Dakota to avoid the need for high risk auto insurance.