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State Farm provides the cheapest full and minimum coverage SR-22 insurance policies for $242 and $868 annually, respectively.

After committing a significant traffic violation like a DUI in South Dakota, you’re required to obtain an SR-22. While this form doesn’t directly impact rates, the driving offenses that trigger the need for an SR-22 can dramatically increase your premiums.

Fortunately, relatively low-cost auto insurance options exist in South Dakota, even with an SR-22. This is true for traditional auto insurance and non-owner car insurance. The most affordable providers of non-owner auto coverage in South Dakota are Auto-Owners ($201 annually) and State Farm ($228 annually).

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2023

Cheapest Companies for SR-22 Car Insurance in South Dakota

Cheapest Companies for SR-22 Car Insurance in South Dakota

The two SR-22 car insurance companies in South Dakota with the lowest rates for minimum coverage for drivers with DUI records are:

  • State Farm: $242 per year
  • Western National: $264 per year

The following insurers offer the cheapest SR-22 policies if you are looking for full coverage:

  • State Farm: $868 per year
  • Western National: $1,057 per year

Since insurers see you as more prone to submitting claims after a driving violation, car insurance costs frequently rise after you file an SR-22. Below are some of the most affordable options for cheap SR-22 auto insurance in South Dakota, with prices from $242 to $3,764 annually.

Company
Annual Premium
Monthly Premium

State Farm

$204

$17

Farmers Mutual of Nebraska

$206

$17

Farmers Mutual of Nebraska

$207

$17

State Farm

$212

$18

Nationwide

$222

$18

Farmers Mutual of Nebraska

$222

$19

Nationwide

$226

$19

Auto-Owners Insurance Co

$228

$19

State Farm

$229

$19

State Farm

$229

$19

Auto-Owners Insurance Co

$229

$19

State Farm

$242

$20

State Farm

$242

$20

Farmers Mutual of Nebraska

$244

$20

State Farm

$251

$21

Auto-Owners Insurance Co

$256

$21

State Farm

$260

$22

Western National

$261

$22

Western National

$261

$22

Western National

$261

$22

Western National

$261

$22

Auto-Owners Insurance Co

$262

$22

Western National

$264

$22

Western National

$264

$22

Western National

$264

$22

State Farm

$265

$22

GEICO

$268

$22

Kemper

$273

$23

Farmers Mutual of Nebraska

$275

$23

Kemper

$276

$23

Nationwide

$282

$23

Nationwide

$289

$24

State Farm

$292

$24

State Farm

$292

$24

Auto-Owners Insurance Co

$294

$24

Farmers

$295

$25

Iowa Farm Bureau

$298

$25

GEICO

$301

$25

Farmers Mutual of Nebraska

$302

$25

Western National

$302

$25

Auto-Owners Insurance Co

$305

$25

Farmers Mutual of Nebraska

$309

$26

Auto-Owners Insurance Co

$312

$26

Farmers

$312

$26

GEICO

$313

$26

American Family

$320

$27

State Farm

$320

$27

Nationwide

$322

$27

Farmers Mutual of Nebraska

$333

$28

Kemper

$333

$28

Auto-Owners Insurance Co

$337

$28

Kemper

$337

$28

Farmers

$355

$30

GEICO

$356

$30

Farmers

$360

$30

Iowa Farm Bureau

$360

$30

GEICO

$364

$30

Nationwide

$368

$31

Iowa Farm Bureau

$369

$31

American Family

$372

$31

Nationwide

$375

$31

Farmers Mutual of Nebraska

$377

$31

Western National

$378

$32

Western National

$378

$32

Western National

$378

$32

Western National

$378

$32

Nationwide

$388

$32

Progressive

$390

$32

Progressive

$392

$33

Allstate

$398

$33

Kemper

$401

$33

Auto-Owners Insurance Co

$402

$34

American Family

$405

$34

Farmers

$406

$34

Allstate

$408

$34

Farmers Mutual of Nebraska

$411

$34

GEICO

$414

$35

Farmers Mutual of Nebraska

$414

$35

Farmers

$415

$35

Farmers

$419

$35

Allstate

$428

$36

Allstate

$430

$36

Iowa Farm Bureau

$431

$36

Allstate

$431

$36

Kemper

$432

$36

American Family

$435

$36

American Family

$435

$36

Farmers

$435

$36

Kemper

$436

$36

American Family

$443

$37

Iowa Farm Bureau

$445

$37

American Family

$446

$37

American Family

$446

$37

Progressive

$449

$37

American Family

$454

$38

Allstate

$457

$38

Nationwide

$463

$39

Farmers

$469

$39

Progressive

$470

$39

Nationwide

$470

$39

Farmers

$474

$39

American Family

$480

$40

American Family

$480

$40

Farmers

$484

$40

American Family

$488

$41

Progressive

$488

$41

GEICO

$490

$41

Auto-Owners Insurance Co

$492

$41

Kemper

$494

$41

Nationwide

$496

$41

Farmers

$496

$41

Iowa Farm Bureau

$500

$42

Auto-Owners Insurance Co

$500

$42

Progressive

$501

$42

Allstate

$507

$42

Allstate

$512

$43

Progressive

$518

$43

Iowa Farm Bureau

$524

$44

GEICO

$541

$45

Allstate

$541

$45

Allstate

$546

$45

Allstate

$550

$46

Progressive

$550

$46

Farmers Mutual of Nebraska

$562

$47

Progressive

$566

$47

Allstate

$589

$49

GEICO

$591

$49

Nationwide

$591

$49

Iowa Farm Bureau

$608

$51

Iowa Farm Bureau

$618

$51

Kemper

$642

$54

Iowa Farm Bureau

$647

$54

Auto-Owners Insurance Co

$650

$54

Progressive

$653

$54

Nationwide

$702

$58

State Farm

$705

$59

Kemper

$713

$59

Farmers Mutual of Nebraska

$724

$60

Progressive

$729

$61

Progressive

$741

$62

Allstate

$746

$62

State Farm

$759

$63

State Farm

$759

$63

Allstate

$761

$63

Farmers Mutual of Nebraska

$778

$65

American Family

$790

$66

Kemper

$796

$66

State Farm

$796

$66

Nationwide

$799

$67

Allstate

$803

$67

Allstate

$804

$67

State Farm

$805

$67

Farmers Mutual of Nebraska

$811

$68

Auto-Owners Insurance Co

$820

$68

Allstate

$828

$69

Farmers

$830

$69

American Family

$834

$69

Iowa Farm Bureau

$848

$71

State Farm

$868

$72

State Farm

$868

$72

Allstate

$869

$72

Auto-Owners Insurance Co

$880

$73

Kemper

$883

$74

Iowa Farm Bureau

$888

$74

Kemper

$889

$74

Nationwide

$889

$74

Kemper

$898

$75

Farmers Mutual of Nebraska

$915

$76

State Farm

$917

$76

Farmers

$925

$77

Auto-Owners Insurance Co

$941

$78

Farmers Mutual of Nebraska

$955

$80

GEICO

$956

$80

American Family

$978

$82

Nationwide

$980

$82

Kemper

$985

$82

State Farm

$989

$82

American Family

$993

$83

American Family

$993

$83

Auto-Owners Insurance Co

$998

$83

Allstate

$1,002

$84

GEICO

$1,007

$84

American Family

$1,011

$84

GEICO

$1,013

$84

Nationwide

$1,014

$85

Allstate

$1,044

$87

Western National

$1,045

$87

Western National

$1,045

$87

Western National

$1,045

$87

Western National

$1,045

$87

Western National

$1,057

$88

Western National

$1,057

$88

Western National

$1,057

$88

American Family

$1,059

$88

American Family

$1,059

$88

State Farm

$1,065

$89

State Farm

$1,065

$89

American Family

$1,070

$89

Farmers

$1,081

$90

Allstate

$1,090

$91

Iowa Farm Bureau

$1,102

$92

Farmers

$1,106

$92

GEICO

$1,113

$93

Farmers Mutual of Nebraska

$1,117

$93

Nationwide

$1,122

$94

GEICO

$1,126

$94

Progressive

$1,126

$94

State Farm

$1,130

$94

Kemper

$1,145

$95

Kemper

$1,155

$96

American Family

$1,156

$96

American Family

$1,156

$96

Allstate

$1,159

$97

Western National

$1,161

$97

Farmers Mutual of Nebraska

$1,169

$97

Farmers

$1,170

$98

American Family

$1,171

$98

GEICO

$1,174

$98

Nationwide

$1,182

$99

Farmers

$1,185

$99

Auto-Owners Insurance Co

$1,191

$99

Auto-Owners Insurance Co

$1,207

$101

Allstate

$1,210

$101

Farmers

$1,235

$103

Farmers

$1,237

$103

Farmers Mutual of Nebraska

$1,257

$105

Iowa Farm Bureau

$1,260

$105

Nationwide

$1,266

$106

Allstate

$1,270

$106

Farmers

$1,289

$107

Kemper

$1,290

$108

Progressive

$1,303

$109

Farmers Mutual of Nebraska

$1,313

$109

Farmers

$1,327

$111

Auto-Owners Insurance Co

$1,335

$111

Kemper

$1,337

$111

Iowa Farm Bureau

$1,339

$112

Progressive

$1,344

$112

GEICO

$1,351

$113

Farmers

$1,395

$116

GEICO

$1,396

$116

Progressive

$1,411

$118

Nationwide

$1,423

$119

Kemper

$1,423

$119

Farmers

$1,448

$121

Progressive

$1,464

$122

Nationwide

$1,474

$123

Farmers Mutual of Nebraska

$1,478

$123

Iowa Farm Bureau

$1,502

$125

Western National

$1,517

$126

Western National

$1,517

$126

Western National

$1,517

$126

Western National

$1,517

$126

Progressive

$1,566

$130

Nationwide

$1,567

$131

Auto-Owners Insurance Co

$1,586

$132

Progressive

$1,606

$134

Farmers Mutual of Nebraska

$1,613

$134

Auto-Owners Insurance Co

$1,625

$135

GEICO

$1,628

$136

Iowa Farm Bureau

$1,656

$138

Progressive

$1,694

$141

Iowa Farm Bureau

$1,724

$144

Auto-Owners Insurance Co

$1,758

$146

Nationwide

$1,774

$148

Auto-Owners Insurance Co

$1,782

$148

Progressive

$1,783

$149

Iowa Farm Bureau

$1,827

$152

Progressive

$1,828

$152

GEICO

$1,830

$153

Progressive

$1,848

$154

Kemper

$1,867

$156

GEICO

$2,007

$167

Farmers Mutual of Nebraska

$2,119

$177

Iowa Farm Bureau

$2,133

$178

Progressive

$2,138

$178

Iowa Farm Bureau

$2,262

$188

Iowa Farm Bureau

$2,278

$190

GEICO

$2,284

$190

Auto-Owners Insurance Co

$2,406

$201

Iowa Farm Bureau

$2,937

$245

Kemper

$2,950

$246

Iowa Farm Bureau

$3,115

$260

Kemper

$3,303

$275

GEICO

$3,568

$297

GEICO

$3,764

$314

GEICO

$4,286

$357

Kemper

$4,804

$400

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What Is SR-22 in South Dakota?

People who have committed a significant traffic violation — like driving under the influence — are required to file an SR-22 form. An SR-22 form is a legally required certificate of financial responsibility, serving as evidence that you have car insurance. While SR-22 isn’t a type of insurance, filing this form will likely increase your insurance costs, as insurers see drivers with SR-22s as riskier to cover.

Typically, SR-22 forms stay on file for one to five years, depending on the severity of your offense. Incurring multiple driving violations typically leads to more extended filing periods.

If you need an SR-22 form, you’ll likely need to request that your insurer submit it on your behalf to the South Dakota Department of Motor Vehicles (DMV).

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Your insurance provider is responsible for submitting a Financial Responsibility Cancellation Form, or SR-26 form, once you have fulfilled the terms of your financial responsibility requirement. At this point, your insurance premiums will likely decrease.

Cheapest Companies for Non-Owner SR-22 Car Insurance in South Dakota

The cheapest SR-22 auto insurance policies in South Dakota for non-owner drivers are offered by the following insurance companies:

USAA offers an even more cost-effective choice in South Dakota for those with military associations, with annual premiums totaling $176.

If a non-vehicle-owning driver's license has been revoked or their car was totaled or taken way after a major traffic offenses, they still may need to submit an SR-22 and obtain non-owner car insurance.

MoneyGeek ranked the most affordable non-owner auto insurance companies in South Dakota below, with premiums ranging from $148 to $714 annually.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$148

$12

State Farm

$198

$16

Auto-Owners Insurance Co

$201

$17

GEICO

$221

$18

State Farm

$228

$19

Farmers

$294

$25

GEICO

$376

$31

Farmers

$433

$36

Progressive

$436

$36

Progressive

$714

$59

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance provides coverage for property damage and bodily injury for those who don’t own a vehicle. Some individuals who may need this insurance include rideshare drivers, professional drivers, and people who rent cars often. This type of insurance may also be required by those who submit SR-22 paperwork but do not own vehicles. MoneyGeek researched non-owner auto insurance in South Dakota to help you find the most affordable coverage options available.

Average Cost of SR-22 Car Insurance in South Dakota

In South Dakota, SR-22 insurance for a driver with a DUI typically costs $540 for minimum coverage and $1,813 for full coverage annually. Individuals with certain speeding or at-fault accident violations may also be required to file this form and incur similarly high insurance rates.

After a severe driving offense that requires an SR-22, your insurance rates will likely increase significantly because providers see drivers with these violations as riskier to insure.

Driving Record
Annual Premium
Monthly Premium

Ticket

$352

$29

DUI

$2,217

$185

DUI

$1,638

$136

Ticket

$421

$35

DUI

$1,813

$151

At-Fault Accident

$1,635

$136

DUI

$523

$44

Clean

$857

$71

At-Fault Accident

$1,233

$103

Clean

$352

$29

DUI

$654

$54

Clean

$280

$23

Clean

$950

$79

Ticket

$1,391

$116

Ticket

$1,129

$94

At-Fault Accident

$422

$35

Clean

$1,185

$99

Ticket

$1,012

$84

At-Fault Accident

$509

$42

DUI

$540

$45

Ticket

$344

$29

At-Fault Accident

$429

$36

At-Fault Accident

$1,359

$113

Clean

$286

$24

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Drivers required to have SR-22 insurance in South Dakota are strongly advised to compare insurance premiums every time their policy is renewed or at least once a year. The cost of insurance varies widely across different insurance companies, so shopping around could help you obtain the best deal on your coverage.

How SR-22 Affects Car Insurance Rates in South Dakota

An SR-22 filing typically leads to significantly higher insurance premiums. Drivers in South Dakota required to file an SR-22 should expect an average rate increase of $246 annually.

However, the effect an SR-22 filing has on insurance premiums will vary depending on many factors, including the seriousness of the charge, state laws, one’s overall driving record and the insurance company.

To find the most affordable SR-22 insurance that satisfies the state's standards for financial responsibility, we recommend speaking with multiple insurance representatives, comparing quotes from multiple companies and looking into potential discounts.

Car Insurance Rate Comparison Based on Driving Records in South Dakota

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$294
accident2
After a DUI

Annual Premium for Minimum Coverage

$540
Car insurance premiums after a DUI are on average: :$246 more

This is 84% more expensive.

Other Effects of SR-22 on Car Insurance in South Dakota

Beyond being charged more expensive premiums, filing an SR-22 in South Dakota can have a wide range of effects on your auto insurance. The following are some additional ways that submitting an SR-22 can impact your coverage.

1

Limited number of insurance options

When choosing an insurance company, you may have fewer options because some insurers do not issue SR-22 filings. The need to file an SR-22 may limit your options to insurers willing to take on the risk of covering a higher risk driver.

2

Possible policy cancellation

In South Dakota, submitting an SR-22 insurance form could lead to the cancellation of your coverage if your current provider doesn’t issue SR-22s.

3

Length of required filing

You’re required to keep your SR-22 form on file for a certain amount of time, typically between one and three years. You must retain the SR-22 insurance throughout this time; failing to do so could result in severe penalties, like having your license suspended.

4

Filing fees

If you submit an SR-22 insurance in South Dakota, you may be required to pay filing fees. These fees can range from $15 to $50.

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How to Get SR-22 Insurance in South Dakota

Following a driving violation, you’ll likely need to take the following steps when shopping for car insurance coverage:

  • Locate an insurance provider that provides coverage to drivers with violations.
  • Obtain insurance coverage that satisfies South Dakota's minimum liability standards.
  • Request that your insurance provider submit an SR-22 form on your behalf, cover all associated costs and keep it current.

By taking these steps, you will be able to show that you’re taking responsibility for your past driving history and securing proper insurance coverage.

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SOUTH DAKOTA LICENSE REINSTATEMENT FEE

Following the revocation of your driver’s license, you’ll be required to retake your vision, knowledge and driving tests. Additionally, you’ll need to pay reinstatement fees, ranging from $50 to $200. However, because these reinstatement fees can change, it’s best to contact your local DMV directly for the most current rates.

How to Get Cheaper Car Insurance in South Dakota After a DUI

Insurance rates tend to rise if you obtain coverage following a DUI. Despite having higher premiums, there are several steps you can take to lower your overall SR-22 car insurance rates.

  • find icon

    Compare quotes immediately

    Finding affordable car insurance in South Dakota after a DUI can be challenging. Comparing insurance rates from several companies is the best way to find a reasonable rate.

  • car icon

    Complete DUI classes or programs

    Drivers who take defensive driving courses may be eligible to receive savings from some insurance providers. These programs can help you become a better driver and show your dedication to driving safely, which could lead to lower insurance rates.

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    Look for discounts

    Several auto insurance companies give customers who fulfill specific requirements discounts. You might be eligible for a discount, for instance, if you complete a safety driving course, place a device for tracking in your car or keep a good driving record. Consult with your provider to find out if you qualify for any savings.

  • seatbelt icon

    Practice safe driving

    Your insurance rates will decrease over time if you consistently drive safely. Observe the rules of the road, avoid incurring new infractions and keep your driving record spotless.

  • calendar icon

    Shop rates over time

    Comparing rates from different insurance providers regularly — instead of only immediately after an accident — can help you secure lower premiums. You may qualify for cheaper rates with other insurance companies as your driving record improves and you demonstrate your dedication to safe driving practices.

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Another insurance product that might be worth considering if you have an SR-22 is non-standard auto insurance. This coverage is intended for drivers who are unable to secure coverage from traditional insurers because of multiple DUIs or other high-risk infractions. Although non-standard auto insurance often has more expensive rates than regular insurance, it provides high-risk drivers who might have trouble finding a policy elsewhere with coverage.

Frequently Asked Questions About SR-22 Insurance in South Dakota

If you find yourself in a circumstance where filing an SR-22 is required, it's essential to understand SR-22 insurance. MoneyGeek answered frequently asked questions about SR-22 auto insurance in South Dakota below to help make the process of filing and securing coverage easier.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.