South Dakota Auto Insurance
Every state wants to protect its motorists, so auto insurance is a requirement. In South Dakota, drivers must carry policies that include bodily injury and property damage liability as well as uninsured/underinsured motorist protection.
Bodily injury liability covers medical, rehabilitation, and funeral costs up to your policy's maximum limits in the event that you cause a wreck that injures another person. Property damage liability covers repair or replacement costs – again, up to your policy's cap – if you cause a collision that damages another party's vehicle or other property.
Any costs that exceed your coverage will have to be paid out of pocket when you're responsible for hitting another driver, so it's important to speak to a licensed agent to discuss which coverage options best fit your needs. That can mean exceeding the state-required minimums in order to better protect your finances from the unknown.
In the Mount Rushmore State, the minimum liability limits are:
- $25,000 bodily injury coverage per person
- $50,000 total injury coverage per incident
- $25,000 coverage for property damage
South Dakotans must also possess uninsured/underinsured motorist coverage, which protects drivers in the event that they are hit by someone that either doesn't have insurance or doesn't have enough coverage to pay to correct any damage he or she caused. It also can help in the event of a hit-and-run accident. Other protections to consider include collision and comprehensive coverage, which can cover damage to your vehicle. Talk to your agent about the coverage that's right for you.
Car insurance discounts in South Dakota
While discounts vary by provider, drivers in South Dakota may be eligible for:
- Multi-car discount.
- Multi-policy discount.
- Homeowner discount.
- Claim-free discount.
- Good student discount.
- Safety features discount.
For a full rundown of ways you could save on auto insurance, contact a licensed agent. He or she will walk you through available coverages and the policies that best fit your needs, along with determining all the ways you can save.