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General information, not legal advice. Your suspension notice, the court and the state agency decide what applies to you. Fees and rules change; confirm with the agency before you pay.

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South Dakota Minimum Car Insurance and Penalties for Driving Without It

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The short answer

South Dakota requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM/UIM at liability limits.

South Dakota at a glance

Minimum liability$25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25)
Other required coverageUninsured and underinsured motorist coverage are both required, each equal to your bodily injury liability limits, but the required amount is capped at $100,000 per person and $300,000 per accident unless you ask for more.
First offense for driving uninsuredFailing to keep insurance is a Class 2 misdemeanor with up to 30 days in county jail, a fine of up to $500, or both. Your license is suspended for 30 days to one year (restricted driving is possible only if you keep insurance), and you must file an SR-22 that can be released only after three years.
Repeat offenseNot confirmed on a state source; ask the agency
Fee to restore after a lapse$75 license reinstatement fee (the general fee for these suspensions), plus the license application fee.

Penalties depend on the court and your record; your citation or notice decides what applies to you.

FAQ

What is the minimum car insurance in South Dakota?

South Dakota requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM/UIM at liability limits.

What happens if you drive without insurance in South Dakota?

Failing to keep insurance is a Class 2 misdemeanor with up to 30 days in county jail, a fine of up to $500, or both. Your license is suspended for 30 days to one year (restricted driving is possible only if you keep insurance), and you must file an SR-22 that can be released only after three years.

Related

Sources

  1. www.sd.gov/kb_view.do
  2. sdlegislature.gov/32-35-95
  3. sdlegislature.gov/32-35-70
  4. sdlegislature.gov/32-12-47.1
  5. sdlegislature.gov/32-35-47.1
  6. sdlegislature.gov/32-35-113.html
  7. sdlegislature.gov/32-35.html
  8. sdlegislature.gov/32-35-121.html
  9. sdlegislature.gov/32-35-122.html
  10. sdlegislature.gov/32-35-43.html
  11. sdlegislature.gov/32-35-47.html
  12. sdlegislature.gov/32-35-47.1.html
  13. sdlegislature.gov/32-35-95.html
  14. sdlegislature.gov/32-12-47.1.html
  15. sdlegislature.gov/22-6-2.html
  16. sdlegislature.gov/58-11-9.html
  17. sdlegislature.gov/58-11-9.4.html