Cheapest SR-22 Car Insurance in South Dakota: 2026 Rates and Requirements

Progressive offers the cheapest SR-22 car insurance in South Dakota at $37/mo for minimum coverage. Compare top providers, violation rates and filing requirements.

Written by Mark Fitzpatrick

Updated: April 29, 2026

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Key Takeaways

Progressive offers the cheapest SR-22 insurance in South Dakota at $37 per month for minimum coverage, the lowest rate among top providers.

South Dakota drivers with a DUI pay an average of $58 per month for minimum coverage SR-22 insurance, $21 more than the $37 Progressive rate and 81% more than the $32 per month clean-record average.

South Dakota requires SR-22 filing for three years from the conviction date, and a coverage lapse restarts the clock with no grace period.

Cheapest SR-22 Insurance in South Dakota

Progressive is the cheapest SR-22 insurer in South Dakota at $37 per month for minimum coverage. The second-lowest SR-22 rate in this series behind Montana's $36. State Farm is second at $49 per month, a $12 monthly gap. The clean-record state average for minimum coverage runs $32 per month, meaning SR-22 drivers with Progressive pay 16% more than a driver with no violations.

Drivers who need only minimum coverage to reinstate their license will find Progressive the most affordable option at $37 per month. For drivers with a financed vehicle who need full coverage car insurance in South Dakota, Progressive also leads at $116 per month, a good fit for those managing car insurance for drivers with bad credit alongside an SR-22 requirement.


Progressive	$37	$116	53%
State Farm	$49	$138	43%
Geico	$89	$305	21%
Allstate	$102	$197	8%
Nationwide	$126	$290	27%

Cheapest SR-22 by Violation in South Dakota

Progressive offers the cheapest SR-22 rates across most violation categories in South Dakota, with its lowest rate of $33 per month for minimum coverage applying to drivers with multiple speeding tickets. Drivers with a racing violation pay the highest rates among the listed categories, with the cheapest option at $59 per month through Auto-Owners, a $26 monthly gap above the speeding-ticket category. DUI drivers can comparing providers through our guide to car insurance after a DUI.

Data filtered by:


Drivers With Hit-And-Run Accident	Progressive	$39	$122	52%
Drivers With Hit-And-Run Accident	Farmers Mutual Ins Co of NE	$44	$116	52%

Cheapest SR-22 Insurance in South Dakota by City

Gary and Glencross tie for the cheapest car insurance in South Dakota, with minimum coverage at $23 per month, while Sioux Falls is the most expensive city at $38 per month, a $15 monthly spread across South Dakota cities. Progressive leads as the cheapest company in every city analyzed, from small towns like Gary to larger metros like Rapid City.


Gary	Progressive	$23	$89	61%
Glencross	Progressive	$23	$102	62%
Rapid City	Progressive	$35	$114	55%
Sioux Falls	Progressive	$38	$99	59%

Best SR-22 Insurance Companies in South Dakota

Progressive ranks first among SR-22 insurers for the best car insurance in South Dakota, for affordability, making it the right fit for drivers who need to reinstate their license at the lowest possible cost. With a perfect affordability score and a broad presence across all South Dakota cities, Progressive gives SR-22 drivers a reliable path back to legal driving status without overpaying.

Auto-Owners earns the second spot among the best car insurance companies, on the strength of its customer experience score, the highest in the state among SR-22 providers, making it the best choice for drivers who prioritize responsive service and smooth claims handling during a high-stress SR-22 period.


Progressive	4.7	5	4.82	4.06
Auto Owners	4.47	4.38	3.4	5
State Farm	4.38	4.86	2.95	3.92
Western National Insurance	4.3	4.69	4.82	3.33
Allstate	4.25	4.6	4.11	3.58

Top Pick for Cheapest SR-22 Rates in South Dakota

Progressive

Progressive offers the cheapest SR-22 insurance in South Dakota at $37 per month for minimum coverage, giving drivers the lowest-cost path to license reinstatement in the state. Progressive's NAIC complaint ratio is 0.68, below the national average of 1.0, indicating fewer customer complaints than expected for its market size. Our research found that Progressive's combination of low SR-22 rates and broad availability across South Dakota cities makes it the most practical choice for high-risk drivers. Progressive holds an AM Best financial strength rating of A+ (Superior).

Top Pick for SR-22 Customer Experience in South Dakota

Auto-Owners

Auto-Owners provides SR-22 insurance in South Dakota with a perfect customer experience score, making it the strongest option for drivers who need responsive, reliable service during a high-stakes filing period. Auto-Owners carries an NAIC complaint ratio of 0.47, well below the national average of 1.0, reflecting a strong track record of resolving customer issues. Our research found Auto-Owners is particularly well-suited for SR-22 drivers who value claims handling quality over the lowest possible premium. The company holds an AM Best rating of A++ (Superior), the highest available financial strength designation.

How Much Is SR-22 Insurance in South Dakota?

South Dakota drivers with a DUI pay an average of $58 per month for minimum coverage SR-22 insurance, compared to $32 per month for clean-record drivers, an 81% increase. Other violations, such as speeding (11 to 15 mph over), carry lower SR-22 rates at $38 per month. Drivers can get a personalized estimate using the car insurance calculator for South Dakota.

Data filtered by:


DUI - BAC >= .08	State Minimum Liability Only	58	698	+$26/mo
At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	47	561	+$15/mo
Texting While Driving	State Minimum Liability Only	39	468	+$7/mo
Speeding 11-15 MPH over limit	State Minimum Liability Only	38	457	+$6/mo

SR-22 FILING FEE IN SOUTH DAKOTA

South Dakota insurers charge a one-time filing fee to submit your SR-22 to the South Dakota Division of Motor Vehicles (DMV). Fees run $15 to $25. This fee is separate from your insurance premium and from the DMV reinstatement fee, which varies by violation type.

South Dakota SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy. Your insurer files it with the South Dakota Division of Motor Vehicles to confirm you carry the state-required minimum liability coverage. South Dakota requires drivers to maintain the SR-22 for three years from the conviction date. Common triggers include DUI convictions, at-fault accidents without insurance and serious moving violations. South Dakota does not use an FR-44 certificate; the SR-22 is the only financial responsibility certificate required in the state.

If your coverage lapses at any point during the three-year period, your license is suspended immediately with no grace period, the SR-22 clock restarts from scratch and you must pay a $50 reinstatement fee to the South Dakota Division of Motor Vehicles before your license can be reinstated. Drivers who need non-owner SR-22 insurance (those without a vehicle of their own) can file an Operators Certificate through any licensed South Dakota insurer.

South Dakota Minimum Liability Limits

South Dakota SR-22 drivers must carry at least the state minimum liability limits of 25/50/25 to satisfy the filing requirement.

$25,000 Bodily Injury Per Person

Covers injuries to one person in an accident you cause, up to $25,000.

$50,000 Bodily Injury Per Accident

Covers total bodily injury costs across all injured parties in a single accident you cause, up to $50,000.

$25,000 Property Damage

Covers damage to another person's vehicle or property in an accident you cause, up to $25,000. South Dakota's 25/50/25 minimum is below the national median. Drivers with assets to protect should consider higher limits.

SR-22 Filing Types in South Dakota

South Dakota issues two types of SR-22 certificates. Your filing type depends on whether you own the vehicle you are insuring.

Owners Certificate

Required for drivers who own the vehicle they are insuring. This is the standard SR-22 filing for most South Dakota drivers who caused a violation while driving their own car.

Operators Certificate

A non-owner SR-22 for drivers who do not own a vehicle. Filed with the South Dakota Division of Motor Vehicles (DMV), it covers you when driving any non-owned vehicle. Learn more about non-owner SR-22 insurance or find non-owner car insurance in South Dakota.

SR-22 Fees, Lapse Rules and Filing Process

Progressive's sweep of every city and most violation categories makes South Dakota one of the most consistent markets in this series. One starting provider covers nearly every situation.

SR-22 Filing Fee

Insurers charge a one-time fee of $15 to $25 at policy inception to file your SR-22. This is a carrier-set fee, separate from your premium and from the $50 South Dakota Division of Motor Vehicles (DMV) reinstatement fee.

Coverage Lapse Consequences

Any lapse in coverage triggers immediate license suspension with no grace period. The three-year SR-22 clock restarts from scratch. You must file a new SR-22 and pay the $50 reinstatement fee before your license can be reissued.

Filing Process

Your insurer files the SR-22 electronically with the South Dakota Division of Motor Vehicles (DMV). Most insurers submit within 24 to 48 hours of policy inception. The South Dakota Division of Motor Vehicles confirms the filing within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers deny you coverage, you qualify for the South Dakota Automobile Insurance Plan (SDAIP), the state's insurer of last resort. SDAIP provides state minimum liability coverage (25/50/25) at rates higher than the voluntary market. Apply through any licensed South Dakota insurance agent. Drivers with low incomes may find additional options through low-income car insurance in South Dakota.

SR-22 Insurance in South Dakota: Bottom Line

Progressive is the cheapest SR-22 insurer in South Dakota at $37 per month for minimum coverage, the right starting point for drivers who need to reinstate their license as affordably as possible. For drivers who want the best combination of service quality and claims reliability during their SR-22 period, Auto-Owners offers a perfect customer experience score and an NAIC complaint ratio well below the national average, making it worth the higher premium for those who value financial security and reliable claims support. Before your three-year SR-22 period ends, confirm with your insurer that your filing is active and set a calendar reminder to avoid any lapse that would restart the South Dakota clock and trigger an immediate license suspension. Once your SR-22 obligation is complete, use our guide to cheapest car insurance in South Dakota to find standard market rates and recover the savings you deserve.

Frequently Asked Questions About SR-22 Insurance in South Dakota

Who has the cheapest SR-22 insurance in South Dakota?

Progressive offers the cheapest SR-22 insurance in South Dakota at $37 per month for minimum coverage. The cheapest provider for minimum coverage may differ from the cheapest for full coverage. State Farm, for example, is competitive for full coverage at $138 per month. Violation type also affects which provider is cheapest. Drivers with racing violations or hit-and-run convictions should check the violation category table above for the most accurate comparison.

How much does SR-22 insurance cost after a DUI in South Dakota?

South Dakota drivers with a DUI pay an average of $58 per month ($696 per year) for minimum coverage SR-22 insurance. This is the state average across all providers, and individual rates vary. South Dakota allows credit-based pricing, so drivers with poor credit pay more than those with good credit for the same DUI conviction. The cheapest DUI provider from the violation category table above may cost less than this state average, so comparing individual quotes is important.

How long do you need SR-22 insurance in South Dakota?

South Dakota requires SR-22 filing for three years from the conviction date. If your coverage lapses at any point during that period, your license is suspended immediately with no grace period and the three-year clock restarts from scratch. You must file a new SR-22 and pay the $50 reinstatement fee to the South Dakota Division of Motor Vehicles (DMV) before your license can be reissued.

Does South Dakota allow insurers to use credit scores for SR-22 pricing?

Yes. South Dakota allows insurers to use credit scores as a rating factor for auto insurance, including for SR-22 drivers. A driver with a DUI and poor credit pays more than a driver with the same DUI conviction and good credit. This differs from California, where Prop 103 prohibits credit-based pricing. South Dakota insurers must file their credit scoring models with the state insurance department.

How much does it cost to file an SR-22 in South Dakota?

South Dakota insurers charge a one-time filing fee of $15 to $25 at policy inception to submit your SR-22 to the South Dakota Division of Motor Vehicles (DMV). This fee is separate from your insurance premium. You also owe a $50 reinstatement fee to the South Dakota Division of Motor Vehicles before your license can be reissued, paid through the DMV portal or by mail. The DMV confirms the SR-22 filing within three to five business days.

What happens if no insurer will cover me in South Dakota?

If two or more standard market insurers deny you coverage, you qualify for the South Dakota Automobile Insurance Plan (SDAIP), the state's assigned risk plan and insurer of last resort. SDAIP provides state minimum liability coverage (25/50/25). Rates through SDAIP are higher than voluntary market rates. Apply through any licensed South Dakota insurance agent. Drivers who need additional options can review low-income car insurance in South Dakota.

MoneyGeek analyzed SR-22 insurance rates from Quadrant Information Services across South Dakota cities and violation types. SR-22 rates reflect coverage for drivers with suspended licenses or serious violations including DUIs, speeding convictions and at-fault accidents. Clean record baseline rates reflect a 40-year-old male driver with a clean driving record, good credit and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed: state minimum liability (25/50/25) and full coverage (100/300/100 with $1,000 deductible).

Rate data used in this analysis reflects the most recent available data date from Quadrant Information Services as of 2025. MoneyGeek reviews and updates SR-22 rate data periodically to ensure accuracy. All premiums shown are averages and individual quotes may vary based on personal profile, insurer underwriting guidelines and current market conditions.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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