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South Dakota SR-22 & Points Insurance Costs

South Dakota requires SR-22 filing for DUI convictions, suspensions, and uninsured accidents—typically for 3 years. For drivers with points from violations or accidents, rates typically increase 20-80% depending on offense severity, with full coverage ranging $180–$450/mo. Most point violations do not trigger SR-22 requirements.

South Dakota cityscape and street view

Updated April 2026

Minimum Coverage Requirements in South Dakota

South Dakota requires minimum liability coverage of 25/50/25 ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage). The state also requires uninsured motorist coverage at the same 25/50/25 limits. SR-22 filing is typically triggered by DUI convictions, license suspensions for accumulating too many points, or driving without insurance, and generally lasts 3 years. Drivers who accumulate 15 points within 12 months or 22 points within 24 months face suspension and typically require SR-22 to reinstate.

How Much Does Car Insurance Cost in South Dakota?

Insurance rates in South Dakota increase significantly after violations or at-fault accidents. A single speeding ticket can raise premiums 15–25%, while DUI convictions or major violations can triple rates. Most South Dakota drivers with points see full coverage premiums of $180–$450/mo depending on violation severity, vehicle type, and location, with higher costs in Sioux Falls and Rapid City due to population density and accident frequency.

Minimum Liability Only
Meets South Dakota's 25/50/25 liability and uninsured motorist requirements but offers no coverage for your vehicle. Suitable only for older paid-off vehicles where replacement cost is low, though dropping collision after a violation increases financial risk if another accident occurs.
Standard Liability
Increased liability limits such as 50/100/50 or 100/300/100, plus uninsured motorist coverage. Recommended for drivers with points who own assets or want protection against lawsuit exposure after an at-fault accident.
Full Coverage
Includes liability, collision, comprehensive, and uninsured motorist coverage. Required by lenders for financed vehicles and recommended for any driver with points who cannot afford to replace their vehicle out-of-pocket after an accident or weather-related loss.

What Affects Your Rate

  • Type of violation: speeding 10+ over typically raises rates 15–25%, at-fault accidents 30–50%, DUI 80–200%
  • Points on record: South Dakota uses a point system where violations accumulate; 15 points in 12 months or 22 in 24 months triggers suspension
  • Time since violation: rates drop gradually as violations age, with most points falling off after 3 years
  • Location: Sioux Falls and Rapid City see higher rates due to traffic density and higher claim frequency compared to rural areas
  • SR-22 requirement: adds $15–$35 filing cost plus substantially higher premiums due to high-risk classification
  • Insurance history: a lapse in coverage can increase rates 20–50% on top of violation surcharges

Compare Auto Insurance Rates in South Dakota

Find Your City in South Dakota

Sioux Falls, South Dakota cityscape and street view

Sioux Falls

suburban
Rapid City, South Dakota cityscape and street view

Rapid City

suburban
Snow-covered winter landscape with bare trees and evergreens under overcast sky

Aberdeen

urban
Large bare weeping willow tree with drooping branches on green grass with walking path in peaceful park setting

Brookings

urban
Rural flooded field with 447 Ave street sign, wooden fence, and dirt road under evening sky

Watertown

urban

Sources

  • South Dakota Department of Public Safety - Driver Licensing Division
  • South Dakota Division of Insurance
  • South Dakota Codified Laws Title 32 (Motor Vehicles)

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