Insurance requirement guides for South Dakota.
$25,000 / $50,000 / $25,000
Bodily injury per person / per accident / property damage, written 25/50/25
Set by SDCL § 32-35-70. Read off the statute on , and the figure every South Dakota guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
South Dakota has no state boat insurance mandate, but marinas on all four Missouri River reservoirs commonly require liability cover. Lake Oahe's 231-mile fetch can generate 5–7 foot waves in sustained northwest winds.
South Dakota requires 25/50/25 minimum motorcycle liability with no helmet law for adults. Home to Sturgis Rally (500,000+ riders) and bison-crossing roads — coverage choices have real consequences here.
South Dakota requires 25/50/25 liability for all drivers and ranks among the highest states for deer-vehicle collisions. Driving uninsured is a Class 2 misdemeanor. Learn state minimums, SR-22 rules, and why comprehensive coverage is essential in SD.
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Every guide on this page covers a South Dakota requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each South Dakota guide on this site is checked against that same figure. The regulators linked above are where South Dakota publishes the rules, so they are the place to confirm anything before you rely on it.
