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

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.

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 driving 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.

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.

An SR-22 is a certificate showing you have the minimum required auto insurance after serious traffic offenses like a DUI. 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.

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:

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. 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:

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.

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:

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.

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.

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