Cheapest SR-22 Car Insurance in South Dakota (2024)


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An SR-22 is not car insurance but a certificate proving you meet South Dakota's minimum liability coverage requirements after certain violations. You or your insurer file it. The SR-22 doesn’t affect rates, but the violations that require it can increase premiums.

For SR-22 insurance, State Farm offers the lowest rate at $288 per year, followed by American Family at $329 per year. These rates are for minimum coverage with a DUI on record. For non-owner car insurance, Auto-Owners is the most affordable at $201 annually, followed by State Farm at $228 annually.

MoneyGeek Logo IconCheapest SR-22 InsuranceSouth Dakota
2024

Cheapest Companies for SR-22 Car Insurance in South Dakota

Why Trust MoneyGeek? We gathered data from the South Dakota Department of Labor and Regulation’s Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

16,221Quotes Analyzed
 
13Companies Compared
 
12ZIP Codes

Cheapest Companies for SR-22 Car Insurance in South Dakota

The cheapest companies for minimum coverage SR-22 car insurance in South Dakota are:

  • State Farm: $24 per month; $288 per year
  • American Family: $27 per month; $329 per year

The least expensive providers for full coverage SR-22 insurance in South Dakota are:

  • American Family: $68 per month; $821 per year
  • State Farm: $88 per month; $1,059 per year

After a moving violation, expect to pay more for car insurance, as you're seen as a high risk. Still, you can find cheap SR-22 car insurance by comparing quotes.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
State Farm$288$24
American Family$329$27
Western National$362$30
Farmers Mutual of Nebraska$369$31
Progressive$417$35
Nationwide$636$53
Auto-Owners Insurance Co$708$59
Allstate$785$65
Iowa Farm Bureau$776$65
Farmers$835$70
Kemper$898$75
GEICO$1,168$97
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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

The companies with the cheapest non-owner SR-22 insurance in South Dakota are:

  • Auto-Owners: $17 per month; $201 per year
  • State Farm: $19 per month; $228 per year

Non-owner car insurance can fulfill the liability coverage requirements for drivers who need to file an SR-22 but don't own a vehicle, often due to a license suspension, revocation or serious traffic violations. Find the most affordable provider to meet the state minimum coverage requirements without overpaying.

Auto-Owners Insurance Co$201$17
State Farm$228$19
GEICO$376$31
Farmers$433$36
Progressive$714$59
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance provides liability coverage for those who regularly drive but don't own a vehicle, such as renters or rideshare drivers. It covers third-party bodily injury and property damage if you're at fault in an accident.

Non-owner vehicle insurance in South Dakota is generally more affordable than standard policies. To get the best deal, compare quotes from multiple insurers.

What Is SR-22 in South Dakota?

An SR-22 is a certificate showing you have the minimum required auto insurance after serious traffic offenses like a DUI, driving without insurance or repeat traffic offenses. It’s not insurance but proves you meet the state’s coverage requirements. You or your insurer must file it, and it's required for three years in South Dakota. If your SR-22 is canceled or lapsed, your insurer must inform the state's Public Safety Department.

An SR-22 confirms you have these minimum car insurance requirements in South Dakota:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $25,000 for property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident

If you don't own a car, you'll need SR-22 non-owner car insurance. Remember, an insurance policy card can't replace an SR-22.

Who Needs an SR-22 in South Dakota?

South Dakota drivers with serious traffic violations or their insurer must file an SR-22 form to prove they have minimum coverage auto insurance. This is required for three years for offenses like driving under the influence (DUI) and reckless driving. Your insurer will notify the state if your policy is canceled, so keep your coverage active. Offenses needing an SR-22 include:

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    DUI

    If you're caught driving under the influence in South Dakota, you'll need SR-22 insurance to prove you have minimum coverage.

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    Uninsured driving

    If you've been pulled over without auto insurance and can't provide proof of auto insurance, expect to have to file an SR-22 form.

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    Serious traffic offenses

    Major traffic violations, such as reckless driving, may require you to file an SR-22 form, ensuring you maintain minimum coverage insurance.

How an SR-22 Impacts Your Car Insurance in South Dakota

Filing an SR-22 can lead to higher insurance rates, fewer coverage options and extra fees. It might also result in insurers denying you coverage or canceling your policy mid-term. Keep your insurance active without any gaps. If you let it lapse, you'll have to start over with the SR-22 process. South Dakota requires an SR-22 for three years.

Understand the consequences of not filing an SR-22 when required to avoid legal issues and ensure you have the minimum coverage needed to drive legally. Here's how an SR-22 negatively impacts your car insurance:

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    Limited number of insurance options

    High-risk drivers in South Dakota may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices.

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    Possible policy cancellation

    Upon filing an SR-22, South Dakota insurers may cancel your policy mid-term or not renew it, requiring you to seek a new provider.

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    Long period of required filing

    South Dakota mandates that you maintain SR-22 coverage for three years from your qualifying conviction date, ensuring continuous minimum liability coverage.

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    Filing fees

    Filing an SR-22 in South Dakota involves a one-time fee, typically around $25, which adds to the overall insurance cost.

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WHAT TO DO IF NO ONE WILL INSURE YOU

High-risk drivers with violations may consider non-standard auto insurance. It usually costs more than standard policies but can be a good option when traditional insurance is not an option.

Average Cost of SR-22 Car Insurance in South Dakota

The average annual cost for SR-22 insurance in South Dakota is $631 for minimum coverage and $2,104 for full coverage with a DUI. Drivers with a clean record pay $352 for minimum coverage and $1,151 for full coverage.

The increase in premiums is due to the severity of the offense, not the SR-22 certificate itself. Repeat offenders or those with severe violations may face non-renewal or higher rates.

In South Dakota, an SR-22 is required for three years, with a minimum liability coverage of 25/50/25. Maintain this coverage to avoid additional penalties.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Clean$352$29
Speeding Ticket$415$35
At-fault Accident$505$42
DUI$631$53

How to Get SR-22 Car Insurance in South Dakota

Filing an SR-22 in South Dakota is required after serious traffic violations like DUI. This confirms you have the minimum coverage required by law, which you must maintain for at least three years. Your insurer can file it for you, but failing to comply can lead to a suspension of your driving privileges.

Here are the steps to secure an SR-22 in South Dakota:

  1. 1
    Determine if you need an SR-22

    If you committed a DUI, were caught driving without insurance or have serious traffic offenses in South Dakota, you may be required by a municipal court to file an SR-22 to prove you have minimum coverage auto insurance.

  2. 2
    Contact your insurance provider

    Ask your insurer to file an SR-22 on your behalf. It will ensure you meet the state minimum coverage requirements.

  3. 3
    Review your insurance policy

    Ensure your policy meets South Dakota's minimum liability requirements of 25/50/25. Adjust your coverage if needed before the SR-22 can be issued.

  4. 4
    Pay the SR-22 filing fee

    Filing the SR-22 form in South Dakota usually costs around $25. Confirm the exact amount with your insurer.

  5. 5
    File the SR-22 form

    Your insurance company will file the SR-22 form with South Dakota's Department of Public Safety. Confirm with your insurer that the form has been submitted.

  6. 6
    Maintain your insurance policy

    Keep your insurance policy active for the required duration, usually three years in South Dakota.

  7. 7
    Verify your SR-22 status

    After your insurer files the SR-22, verify with the Department of Public Safety that it's on record to ensure there are no gaps in your coverage.

  8. 8
    Keep track of renewal dates

    Your insurer will notify the state if your policy is canceled, so renew on time. Set reminders for renewal dates to avoid lapses in your SR-22 status.

  9. 9
    Confirm your SR-22 duration

    After the mandated three-year SR-22, confirm with the Department of Public Safety that you've fulfilled the requirement and can transition to a standard policy.

If your SR-22 in South Dakota lapses, your driving privileges can be suspended. To drive again, you'll need to reinstate your minimum coverage with a new SR-22, which may incur additional costs.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Your insurer will file a financial responsibility cancellation form once you complete your three years of SR-22 coverage in South Dakota. This informs the state you've met the required term for minimum coverage after certain driving offenses. Your provider will also notify you after the cancellation is confirmed.

How to Save on Car Insurance in South Dakota After a Violation

A DUI on your record increases your car insurance premiums. South Dakota, a 30 to 59-year-old with a clean record might pay about $352 a year for minimum coverage, but that jumps to $631 after a DUI. Monthly, that's $29 versus $53.

Despite the higher costs, you can find affordable car insurance after a DUI by comparing quotes from various insurers.

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    Complete DUI classes or programs

    Taking state-recommended DUI programs shows you’re serious about safe driving. Although completion of the class will not guarantee lower rates, it can improve your driving record.

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    Look for discounts

    Even after a DUI, you might still qualify for car insurance discounts. Bundling policies, installing safety equipment, insuring multiple cars, paying in full or setting up electronic billing can lead to savings.

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    Compare car insurance quotes

    Compare auto insurance quotes to find the most affordable minimum coverage.

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    Increase your deductible

    Raising your deductible, which only applies to full coverage policies with collision and comprehensive insurance, can reduce your monthly premium. You’ll pay more if you make a claim, but save more each month.

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    Drive a car that's cheaper to insure

    After a DUI, driving a cheaper car with good safety features can lower your insurance costs. Insurers often charge less for cars that are cheaper to repair or less likely to be stolen.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ: SR-22 Insurance in South Dakota

Securing affordable SR-22 insurance in South Dakota can be challenging. Get answers to your questions about finding cost-effective coverage.

What are the cheapest SR-22 car insurance options in South Dakota?

How much does filing an SR-22 increase car insurance rates in South Dakota, on average?

How long do you need to have an SR-22 in South Dakota?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.