While SafeAuto® does not currently offer coverage in South Dakota, we can help you find the South Dakota car insurance coverage you desire.  

If your home is in Sioux Falls, Aberdeen or anywhere in between, SafeAuto® wants to help you find auto coverage that can meet your needs.   A good starting point is understanding the minimum requirements for liability insurance in South Dakota:

South Dakota’s Financial Responsibility law requires you to maintain liability limits of
at least

  • $25,000 because of bodily injury to or death of one person in any one accident
  • $50,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit
  • $25,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/25 or 25,000/50,000/25,000


Under South Dakota law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials. 

Insurance companies are required to notify the
South Dakota Department of Public Safety whenever a policy is issued or terminates. The Dept. of Public Safety will then request verification of coverage from you.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, including suspension of your driver’s license and/or vehicle registration.  If you operate a motor vehicle while your driver’s license and/or vehicle registration is under suspension, you could be charged with a Class 1 or Class 2 misdemeanor, and the length of your suspension can increase. If you feel you are at risk of a suspended license, it might be helpful to visit the
high risk auto insurance section on our website.  

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an
SR-22. Certificate of Financial Responsibility.

So, while SafeAuto® does not currently offer coverage in the home of Mt. Rushmore, we can help you find the affordable South Dakota auto insurance you need.