Car Insurance for South Dakota Drivers
Welcome South Dakota drivers! Are you looking to request a car insurance quote, or find out more information about buying car insurance in South Dakota? Well, you’ve come to the right place. The AARP® Auto Insurance Program from The Hartford1 has been protecting AARP members in South Dakota and their families with car insurance since 1984, and has earned a reputation for integrity and trust.
Whether you’re exploring the Badlands or observing Mount Rushmore, the AARP Auto Insurance Program from The Hartford will keep you secure as you travel along South Dakota’s roadways.
Car Insurance Benefits Offered to South Dakota Drivers
South Dakota drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
12-month Rate Protection
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in South Dakota
South Dakota state law requires liability car insurance at the following minimum limits:2
$25,000 for bodily injury, per person per accident.
$50,000 for bodily injury, total per accident.
$25,000 for property damage per accident.
Proof of Car Insurance in South Dakota
South Dakota state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. That’s why it’s a good idea to keep a copy of your ID card in the vehicle with your registration. For added convenience, South Dakota is now among the states that will accept an electronic copy of your ID card. With The Hartford’s mobile app, you can store your ID card right on your mobile device. Visit the App Store™ or Google Play™ for more information.
South Dakota Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 7.8 percent of South Dakota drivers are uninsured. This is below the national average of 12.6 percent.3
Uninsured/underinsured motorist car insurance coverage can help with your medical bills if you’re in an accident caused by an uninsured driver or a driver who does not have adequate car insurance coverage. In South Dakota, your uninsured/underinsured motorist car insurance coverage must have the following minimum coverage amounts:2
$25,000 per person
$50,000 per accident
Additional Car Insurance Coverages and Benefits for South Dakota Drivers
For added protection, South Dakota drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Staying Safe on South Dakota Roads
As you travel through South Dakota, there are a number of safe driving laws meant to protect you on South Dakota’s highways and byways. Here are just a few:4
South Dakota Seat Belt Laws:
Although the state of South Dakota does not have mandatory seat belt laws, law enforcement can ticket you for this violation if you are pulled over for another reason.
South Dakota Distracted Driving Laws:
South Dakota has a number of laws in place to discourage distracted driving:
New drivers in South Dakota are not allowed to use hand-held cell phones.
Texting while driving is banned in the State of South Dakota.
South Dakota Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and South Dakota wants to be sure they stay safe in the process! South Dakota has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.