South Dakota is situated in the north central portion of the United States. It is known for its rolling hills and productive farm country. The state also possesses sweeping plains and gorgeous, scenic lakes, streams, and rivers.
The weather is beautiful in the summer, but it is very cold in the winter. It gets frequent snow during the winter months. Sometimes, the roads can become quite treacherous. Therefore, if you live in the state or are planning to visit South Dakota, it is wise to be familiar with the laws and regulations regarding auto insurance.
South Dakota Auto Insurance Requirements
Everyone in South Dakota must carry auto insurance. SD laws require that all drivers carry both liability coverage and coverage for underinsured or uninsured motorist.
Liability insurance covers expenses if you have an accident and are at fault. Your coverage must be at least $25,000 for injury to one person, $50,000 for injury to two or more people, and $25,000 for any property damage that occurred.
Uninsured motorist coverage will cover the cost if you have an accident caused by a driver that does not have insurance. This will cover up to $100,000 for injury to one person and up to $300,000 for injury to two or more people. This type of coverage also covers injuries that are caused by hit and run drivers. It will not pay for damages to your vehicle.
Underinsured motorist coverage is when the other driver is at fault, but the damages cost more than what their policy covers. This covers only personal injuries, not damages to your car.
South Dakota Auto Insurance Laws
South Dakota laws abide by the tort system. This means that if you are in an accident, then someone will be determined to be at fault. They will be responsible for paying the expenses associated with the accident.
If your license is suspended or you cannot pay your premiums, SD law allows you to cancel in the middle of a policy. You can opt to cancel for several reasons, such as excessive traffic violations or DUIs. In order to cancel, you must give the company 60 days notice.
Your policy can be cancelled by your company for any reason within the first 60 days. After that, they can only cancel if your license gets suspended or if you are not paying your premiums. If they decide not to renew your policy, they must give you 60 days notice.
If you do not have the required insurance, you could face stiff fines, suspension of your license, or jail time.
South Dakota Auto Insurance Coverage
In addition to the minimum coverage, it might be a good idea to obtain addition coverage. You can also get collision coverage. This will protect you from paying damages to your vehicle if the accident is your fault. If you are at fault and do not have collision insurance, you will pay for any damages to your vehicle. The deductible is usually about $500.
You could also get comprehensive coverage, which would pay for any repairs or replacement costs of the vehicle. The deductible for this coverage is normally around $250.
If you are in an accident and it is your fault, you can be taken to court if your policy does not cover all of the expenses. This could eventually cost you a lot of money.
Cheap South Dakota Auto Insurance Quotes
You can obtain car insurance quotes quickly and easily online. There are numerous online site that offer free quotes, so you can find the best company for you. In addition, car insurance does not have to be expensive. There are places where you can get cheap car insurance. However, you need to make sure the company is a reputable one.
South Dakota is under a point system, meaning that the Department of Motor Vehicles keeps track of your citations and violations. If you do not have any blemishes on your record, it is easier to get cheap and discounted car insurance.
South Dakota Auto Insurance Ratings
There are places online where you can be ratings on insurance companies. These ratings will tell you about the quality of each company. You can make sure they are dependable, and you can see what other people are saying about the company.
South Dakota Auto Insurance Rates
You should be informed of the average monthly premiums in South Dakota. The average rate in South Dakota is well below the nation’s average.
You can get better rates depending on the type of vehicle that you have. You could also get discounts for having a low-mileage vehicle, being a safe driver, or taking a defensive driving course.
South Dakota Auto Insurance Companies
There are many auto insurance companies to choose from in South Dakota. You just need to shop around to find the one right for you.
If you cannot find an insurance company to give you a policy, there is a South Dakota Automobile Plan, where you can apply for insurance. You can only apply for this if you have attempted to obtain insurance within the last 60 days. Any insurance agent in South Dakota can help you apply. The process is done electronically, and it will assign you to an insurance company. They must cover you for three years. After three years, they can choose to extend your coverage. If they decline, then you can reapply.