Frequently Asked Questions
We Are Here to Help - Search Our FAQs
Navigate
Frequently Asked Questions
- Can I keep the car insurance I have from my previous state of residence?
- A new South Dakota resident will need to find out if their auto insurance company is locally or nationally recognized. If your auto insurance company is nationally recognized, you will easily be able to transfer your car insurance by providing your new address to your insurance company. Individuals with local auto insurance coverage, will have to find a new auto insurance provider with coverage in South Dakota.
For more information: South Dakota Auto Insurance Get a Quote and Save
- Do I need to cancel my insurance if I am moving to another state?
- Residents of South Dakota who move to another state, may or may not be able to transfer their auto insurance policy. This depends on the auto insurance company and whether or not they supply coverage in the destination state. If your insurance company does offer coverage in your new state, notify the customer service department your move and provide a new address for their records. If the auto insurance company does not offer coverage, you will have to find a new company in the state where you plan to move.
For more information: South Dakota Auto Insurance Get a Quote and Save
- How can I avoid a license suspension if I choose not to insure my vehicle?
- Drivers of motor vehicles in South Dakota are required by a state law to have minimum liability auto insurance if they own and operate a motor vehicle. If an individual decides to operate their vehicle without getting car insurance, then they will face penalties such as:
- Fines,
- Jail time,
- Demerit points
- Suspension of driver’s license and car registration for up to one year
- $500 restoration fee
- Obtain SR22 insurance for three years
The only way to avoid these penalties is to insure your motor vehicle as per the regulations set forth by the laws of South Dakota.
For more information: South Dakota Auto Insurance Get a Quote and Save
- If I have been in an accident, what property damage do I have to report?
- If you are an operator of motor vehicle who has been in an accident in South Dakota, you are required by state law to report all damages to a South Dakota DMV office. There are two types of property damages that need to be reported: damages to vehicles and damages to personal property, such as house, building, fence, lamppost, etc. In order to receive financial compensation, you are required to report the property damage to the DMV and to your car insurance company.
For more information: South Dakota Auto Insurance Get a Quote and Save
- If I live outside of the state for half the year, am I still required to have car insurance?
- In South Dakota all drivers are required to have a minimum liability auto insurance whether they are permanent residents or out-of-state residents for half the year. If a driver owns and operates a motor vehicle in the state of South Dakota, they are required by law to acquire a minimum auto insurance policy covering:
- Bodily Injury/Death Liability Insurance:
â—¦ Injury or death of one person: $25,000
â—¦ Total injury or death if multiple people are hurt: $50,000
- Property Damage Liability Insurance: $25,000
- Uninsured/Underinsured Motorist Bodily Injury Insurance:
â—¦ Bodily injury per person: $25,000
â—¦ Bodily Injury per accident: $50,000
For more information: South Dakota Auto Insurance Get a Quote and Save
- What is the minimum liability insurance coverage?
- If you are a driver in South Dakota, it is illegal to operate a vehicle if it is not covered by a minimum amount of liability car insurance. The minimum vehicle coverage required in South Dakota includes:
- Bodily Injury/Death Liability Insurance:
â—¦ Injury or death of one person: $25,000
â—¦ Total injury or death if multiple people are hurt: $50,000
- Property Damage Liability Insurance: $25,000
- Uninsured/Underinsured Motorist Bodily Injury Insurance:
â—¦ Bodily injury per person: $25,000
â—¦ Bodily Injury per accident: $50,000
For more information: South Dakota Auto Insurance Get a Quote and Save
- What proof of insurance can I provide when registering my car?
- South Dakota state law requires you to show proof of car insurance when registering your car, when you are involved in a car accident and whenever you are stopped by a police officer. A car insurance company issued proof of insurance that includes the name of the company, your policy number and the effective date of coverage, as well as the expiration date will be sufficient.
For more information: South Dakota Auto Insurance Get a Quote and Save
- What type of car insurance am I required to have?
- In South Dakota, all motor vehicles are required to have a minimum amount of liability car insurance. Required car insurance includes:
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Uninsured Motorist Bodily Injury Insurance
For more information: South Dakota Auto Insurance Get a Quote and Save
- What will happen if I fail to get or keep car insurance?
- South Dakota residents are required to obtain proof of insurance from their auto insurance company, in the form of a car insurance ID card. Drivers of motor vehicles in South Dakota who decide to operate their vehicle without getting car insurance will face penalties associated with minimum liability coverage laws. Those penalties are:
- Fine of $100
- Jail time of 30 days
- Demerit points on a driving record
- Suspension of a driver’s license and car registration for up to one year
- $500 restoration fee
- Obtain SR22 insurance for three years
For more information: South Dakota Auto Insurance Get a Quote and Save
- Which types of vehicles need to be insured?
- In South Dakota it is illegal to operate any type of motor vehicle that is not covered by a minimum amount of liability car insurance, including:
- Bodily Injury/Death Liability Insurance:
â—¦ Injury or death of one person: $25,000
â—¦ Total injury or death if multiple people are hurt: $50,000
- Property Damage Liability Insurance: $25,000
- Uninsured/Underinsured Motorist Bodily Injury Insurance:
â—¦ Bodily injury per person: $25,000
â—¦ Bodily Injury per accident: $50,000
For more information: South Dakota Auto Insurance Get a Quote and Save