South Dakota
Auto Insurance Coverages
There are so many companies offering auto insurance in South Dakota. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, you local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as SD's Graduated Driver Licensing laws (refer to chart below).
For more information on this state, visit the South Dakota State Information or South Dakota State Catastrophe page.
South Dakota Coverage Scale
Choosing what auto insurance coverages are right for you in South Dakota can be challenging. You can use the South Dakota auto insurance coverage levels chart below as a starting point for understanding the South Dakota coverage level requirements and for reviewing the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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100,000/300,000
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Property Damage Liability
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25,000
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100,000
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Uninsured/Underinsured
Motorist Bodily Injury
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Required
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100,000/300,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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250 deductible
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South Dakota Graduated Driver Licensing
If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.
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Insurance Institute for Highway Safety Rating
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Marginal
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Minimum Entry Age
(Optimal: 16)
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14
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Extended Learner Period
(Optimal: at least 6 months)
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Has the provision
but it is not optimal
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Parent Certification
(Optimal: 30 hours minimal)
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Has no provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has optimal provision
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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16
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Iowa, Minnesota, Montana, Nebraska, North Dakota, Wyoming
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in South Dakota. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.