Cheapest SR-22 Car Insurance in South Dakota (2023)

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).

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.

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).

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

• Auto-Owners: $201 per year
• State Farm: $228 per year

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.

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.

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.

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.

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.

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.

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.