South Dakota SR-22 & High-Risk Auto Insurance
South Dakota requires 25/50/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowSouth Dakota at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers with DUI convictions, multiple violations within 12 months, at-fault accidents while uninsured, or license suspensions must file SR-22 proof of financial responsibility with the Department of Public Safety for 3 years. Underinsured motorist coverage is also mandatory at the same 25/50/25 limits, which matters for high-risk drivers who face higher exposure in accidents.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$284–$449/mo
Typical monthly rate in South Dakota, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- SR-22 duration remaining: rates may decrease slightly after the first year if no new violations occur
- Carrier type: non-standard insurers like Dairyland, The General, and Bristol West often quote lower rates for high-risk drivers than standard carriers' assigned risk programs
- Vehicle type: insuring a newer or high-value vehicle with full coverage under SR-22 can double total premium costs compared to state minimums on an older car
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Restricted License / Restricted Permit (SDCL 32-12-49.4); court-ordered limited driving privilege for DUI (SDCL 32-23-2/-3)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Does South Dakota require insurance after a license suspension?
Yes. South Dakota requires SR-22 proof of financial responsibility for 3 years following most license suspensions, including those for DUI, driving without insurance, accumulating 15+ points in 12 months, or repeat violations. You cannot reinstate your license until you obtain coverage and your insurer files the SR-22 certificate with the Department of Public Safety.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you meet South Dakota's minimum liability limits. Required for 3 years after DUI, suspension, or driving uninsured.
Liability Insurance
Covers injuries and property damage you cause to others. High-risk drivers should carry limits above 25/50/25 minimums to avoid lawsuit exposure after an at-fault accident.
Uninsured/Underinsured Motorist Coverage
Mandatory in South Dakota at 25/50/25 limits. Protects you if hit by a driver with no insurance or insufficient coverage to pay for your injuries.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers specialize in high-risk profiles and often quote better rates than standard insurers.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident. Not required by South Dakota, but mandatory if you finance or lease.
Comprehensive Coverage
Covers theft, hail, weather damage, and animal strikes. South Dakota's rural areas see high deer collision rates, especially along highways.