South Dakota minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $25,000 for damage you cause to the other party's property. Other mandatory coverages include $25,000 (per person) and $50,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage.
Optional plans include blanket umbrella, medical coverage (PIP), collision, and comprehensive coverage.
If you are convicted of DUI in South Dakota (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to use the South Dakota Automobile Insurance Plan (SDAIP). The South Dakota Automobile Insurance Plan was created in 1949 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Eligible South Dakota Automobile Insurance Plan drivers are shared among companies writing automobile insurance in the state of South Dakota.
Below (again) are the minimal limits.
Proof of insurance is required to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. The penalty for driving without insurance in South Dakota is license suspension and/or revocation.
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