States
South Dakota minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
South Dakota minimum: 25/50/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-03. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
South Dakota's limits sit in section 32-35-70 of its Codified Laws: $25,000 for one person, $50,000 for two or more people and $25,000 for property in any one accident, with cover that must apply in the United States and Canada. That is the most common pattern in our table. Section 32-35-113 requires every driver or owner to keep financial responsibility in force at all times, by a policy, a bond, a $50,000 deposit of money or securities, or self-insurance, and failing to do so is a Class 2 misdemeanor. The section gives no fine amount, so we state none. Section 58-11-9 adds uninsured and hit-and-run motorist cover to every policy, at the same bodily injury limits as the liability cover, though the requirement stops at $100,000 per person and $300,000 per accident unless the buyer asks for more. A policy may also leave out liability cover if the holder certifies in writing that the vehicle will not be driven during the policy period.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in South Dakota
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for South Dakota.
What else we read for South Dakota
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Every policy must include uninsured and hit-and-run motorist cover at the same bodily injury limits as the liability cover; the requirement stops at $100,000 per person and $300,000 per accident unless more is requested (SDCL 58-11-9). | official text |
| Penalties | Failing to maintain financial responsibility is a Class 2 misdemeanor (SDCL 32-35-113). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.