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South Dakota Car Insurance Quote

If you live in South Dakota there are a few things you should know before you purchase your car insurance policy. gives you the ability to research coverage options and obtain quotes for the policies that suit your individual needs from many different insurance companies, enabling you to select the coverage you need at the lowest rate. Different car insurance companies have different rates for identical or similar coverage, and some car insurance companies offer discounts that you may qualify for, while other insurance companies do not. gives you the power to research your options and control those aspects that affect the amount of your car insurance premium that are within your power and provides insightful information regarding those aspects that affect your car insurance rates over which you have no control, such as the legally acceptable minimum amount of car insurance coverage required in South Dakota.

Although car insurance rates and premiums are determined by individual car insurance companies, the minimum amount of car insurance coverage required is determined by the state in which you live. Under South Dakota law, motorists must have Bodily Injury Liability coverage of at least $25,000 per injured person up to a total of $50,000 per accident and a minimum of $25,000 of Property Damage Liability coverage. This type of coverage is commonly referred to as 25/50/25 coverage. In addition, residents of South Dakota are required to maintain UnInsured/UnderInsured Motorist coverage in the amount of $25,000 per person, $50,000 per accident which provides protection and coverage for bodily injuries you may experience as the result of your being involved in a car accident with an uninsured driver.

The state of South Dakota, like quite a few others, follows a Tort system. The Tort system basically holds the driver found to be the cause of an accident, or at fault', and their insurance company responsible and liable for all damages that occur as a result of the accident. Specific details regarding the Tort system can vary from state to state, but you can obtain all the information you need regarding the Tort system in your state by contacting your State Insurance Regulator. For your convenience, provides a list of links to all the State Insurance Regulator websites.

Personal Injury Protection, or PIP coverage, is not required by the state of South Dakota, though many insurance companies offer this additional coverage as an option. PIP coverage helps pay for reasonable and necessary medical expenses incurred by you and your passengers that may exceed the amount of your Bodily Injury Liability coverage.

Between 1995 and 1999, car insurance rates increased 17.8% in South Dakota. At that time, South Dakota residents were paying an average of about $618 for the car insurance premiums. Since that time, has actively participated in the reduction of car insurance rates by providing consumers with the tools and resources they need to compare car insurance coverage and rates amongst varying insurance companies, increasing the competition in the industry and therefore contributing to decreased car insurance premiums.

In 2003, South Dakota residents were fortunate enough to be amongst those in the United States who paid lower than the national average for their car insurance premiums. The national average for car insurance premiums was at about $914 in 2003, and South Dakota residents were paying approximately $728. Car insurance rates for 2007 are expected to decrease for the first time since 1999. Residents of South Dakota are projected see their car insurance rates decrease .5% to 1% from rates paid in 2006. is here to help you save as much as possible on your car insurance. By offering convenient and highly accessible resources to help you thoroughly understand your car insurance coverage and the tools to help you compare the varying rates between a multitude of car insurance companies, can help you secure the best car insurance coverage at the lowest rate.
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