South Dakota car insurance statutes
Every figure on the South Dakota pages comes from a numbered section of South Dakota law or from the agency that administers it. This is the whole list — 46 laws and 11 agency pages — so you can go straight to the section you need, or check what we read before we wrote a number down.
Statutes and session laws
- 40 C.F.R. § 51.350read September 30, 2026
I/M programs required only in ozone and carbon monoxide nonattainment areas meeting the classification and population criteria
Used on moving here
- 40 C.F.R. § 81.342read September 30, 2026
South Dakota air quality designations: statewide unclassifiable/attainment for carbon monoxide and for every ozone NAAQS
Used on moving here
- SDCL § 20-9-2read September 30, 2026
comparative negligence; reduction of damages ("slight in comparison with the negligence of the defendant")
Used on fault system
- SDCL § 22-6-2read September 30, 2026
misdemeanor classes and penalties (Class 2: thirty days or $500 or both)
Used on driving uninsured
- SDCL § 32-3-5read September 30, 2026
no one may bring a vehicle into the state except for temporary use not exceeding ninety days without obtaining a title
Used on moving here
- SDCL § 32-5-2read September 30, 2026
contents of the vehicle registration application (no insurance information is collected)
Used on coverage lapse
- SDCL § 32-5-47read September 30, 2026
a person present in this state more than ninety days is considered a resident for registration purposes
Used on moving here
- SDCL § 32-12-26.1read September 30, 2026
ninety days of residence makes a person a resident for driver licensing
Used on moving here
- SDCL § 32-12-47.1read September 30, 2026
reinstatement fee tiers ($75 where no other subdivision applies) plus the § 32-12-16 application fee
Used on sr-22, coverage lapse
- SDCL § 32-34-3read September 30, 2026
duty to stop, give information and render assistance (§ 32-34-5 makes failure a Class 6 felony)
Used on crash reporting
- SDCL § 32-34-4read September 30, 2026
unattended vehicle or property: leave written notice and tell the nearest police authority
Used on crash reporting
- SDCL § 32-34-7read September 30, 2026
duty to give immediate notice of an accident to a law enforcement officer; violation as misdemeanor
Used on crash reporting
- SDCL § 32-34-9read September 30, 2026
another occupant must give the notice if the driver cannot
Used on crash reporting
- SDCL § 32-34-10read September 30, 2026
officer's investigator report to the Department of Public Safety within three days; electronic filing above sixty reports a year
Used on crash reporting
- SDCL § 32-34-11read September 30, 2026
supplemental reports may be required only when the original is insufficient
Used on crash reporting
- SDCL § 32-34-23read September 30, 2026
a repair shop may not start work on a vehicle from a reportable accident until the officer's notice is affixed
Used on crash reporting
- SDCL § 32-35-2read September 30, 2026
proof of financial responsibility for the future defined (same 25/50/25 figures)
Used on minimum coverage
- SDCL § 32-35-43read September 30, 2026
proof of financial responsibility for the future; persons convicted of certain vehicle law offenses; nonpayment of judgments
Used on sr-22
- SDCL § 32-35-43.1read September 30, 2026
no renewal of driving privileges until proof is given and thereafter maintained
Used on sr-22
- SDCL § 32-35-44read September 30, 2026
Department of Revenue must suspend the registration of every vehicle registered in the offender's name
Used on driving uninsured
- SDCL § 32-35-47read September 30, 2026
suspension continues until proof of financial responsibility is given and maintained
Used on driving uninsured
- SDCL § 32-35-47.1read September 30, 2026
reinstatement fee for a suspension under this chapter, set by reference to § 32-12-47.1(1)(f)
Used on sr-22
- SDCL § 32-35-64read September 30, 2026
the four ways proof of financial responsibility may be furnished
Used on sr-22
- SDCL § 32-35-65read September 30, 2026
certificate by the insurance carrier as proof; contents of the certificate
Used on sr-22
- SDCL § 32-35-70read September 30, 2026
conditions of owner's policy; coverage and amount ($25,000 / $50,000 / $25,000)
Used on minimum coverage, fault system
- SDCL § 32-35-80read September 30, 2026
carrier must notify the department of cancellation within fifteen days; replacement certification terminates the prior one
Used on sr-22, coverage lapse
- SDCL § 32-35-87read September 30, 2026
$25,000 cash or $30,000 in securities deposited with the state treasurer as proof
Used on sr-22
- SDCL § 32-35-90read September 30, 2026
self-insurance available to a person with more than twenty-five vehicles registered here
Used on sr-22
- SDCL § 32-35-94read September 30, 2026
additional security when previous proof becomes inadequate; suspension pending the new filing
Used on sr-22, coverage lapse
- SDCL § 32-35-95read September 30, 2026
periods during which proof must be maintained; cancellation after three years absent an intervening conviction
Used on sr-22, coverage lapse
- SDCL § 32-35-96read September 30, 2026
no release of proof while an action or unsatisfied judgment is outstanding
Used on sr-22
- SDCL § 32-35-104read September 30, 2026
surrender of license and registration on suspension or cancellation
Used on driving uninsured
- SDCL § 32-35-110read September 30, 2026
driving after a suspension under this chapter is a separate Class 2 misdemeanor
Used on driving uninsured
- SDCL § 32-35-113read September 30, 2026
every driver or owner must maintain financial responsibility by one of four methods
Used on minimum coverage, driving uninsured
- SDCL § 32-35-114read September 30, 2026
evidence of financial responsibility when detained for a suspected violation ("as a secondary action")
Used on coverage lapse
- SDCL § 32-35-115read September 30, 2026
what constitutes evidence of financial responsibility (insurer name and policy number)
Used on coverage lapse
- SDCL § 32-35-116read September 30, 2026
written evidence when cited or involved in a reportable accident; electronic copy counts
Used on coverage lapse
- SDCL § 32-35-117read September 30, 2026
showing the magistrate written evidence of coverage in force dismisses the citation
Used on driving uninsured, coverage lapse
- SDCL § 32-35-118read September 30, 2026
a permissive driver who is not the owner may not be cited; the owner is prosecuted instead
Used on driving uninsured
- SDCL § 32-35-121read September 30, 2026
court must suspend the license for not less than thirty days and not more than one year
Used on driving uninsured
- SDCL § 32-35-122read September 30, 2026
restricted driving privileges during the suspension; financial responsibility as a prerequisite
Used on driving uninsured
- SDCL § 34A-1-20read September 30, 2026
the board may regulate maintenance of factory emission control equipment; no testing program is authorized
Used on moving here
- SDCL § 58-11-9read September 30, 2026
uninsured motorist and hit-and-run coverage required; limits equal to the policy's bodily injury limits, capped at $100,000 / $300,000
Used on minimum coverage, fault system
- SDCL § 58-11-9.4read September 30, 2026
underinsured motorist coverage required at a face amount equal to the bodily injury limits of the policy
Used on minimum coverage
- SDCL § 58-11-9.7read September 30, 2026
adding an insured's uninsured and underinsured limits together prohibited (§§ 58-11-9.8 and 58-11-9.9 bar stacking across vehicles)
Used on minimum coverage
- SDCL chapter 32-21read September 30, 2026
Motor Vehicle Inspection (§§ 32-21-1 to 32-21-26 repealed by SL 1979, ch 220, § 8; only nonprofit large passenger vehicles and roadside stops remain)
Used on moving here
Agency pages and forms
Used where the law leaves a detail to the agency — a form name, a fee set by order, a deadline published rather than enacted. Where a statute and an agency page disagree, the state page says so.
- 2024 Senate Bill 62, as introducedread September 30, 2026
Department of Public Safety proposal to raise the thresholds to $2,000 and $4,000 (deferred to the 41st legislative day)
Used on crash reporting
An Act to clarify the purposes permitted for certain offenders to operate a motor vehicle (SL 2026, ch 133; signed March 3, 2026)
Used on driving uninsured
- 2026 House Bill 1059, as introducedread September 30, 2026
an act to increase the amounts required in a motor vehicle liability policy (would have set 50/100/50; deferred to the 41st legislative day)
Used on minimum coverage
An Act to increase reinstatement fees and abstract driver record fees (SL 2026, ch 140; signed February 13, 2026)
Used on coverage lapse
- South Dakota Department of Revenueread September 30, 2026
Motor Vehicle ("You have 90 days from your date of arrival to title and license your vehicle in South Dakota")
Used on moving here
- South Dakota Division of Insuranceread September 30, 2026
Automobile Insurance ("Uninsured motorist coverage is required for all policies"; no coverage for damage to your vehicle; not stackable)
Used on minimum coverage
- South Dakota DORread September 30, 2026
All Vehicles: Title, Fees & Registration ($10 title fee plus a $2 technology fee; county treasurer's office)
Used on moving here
- South Dakota DPSread September 30, 2026
Revoked or Suspended Driver License and Reinstatement (SR22 filing; three years from date of conviction)
Used on sr-22, driving uninsured
- South Dakota DPSread September 30, 2026
Driver License/ID Card Fees (reinstatement $75 to $225; $38 application fee)
Used on sr-22, coverage lapse
- South Dakota DPSread September 30, 2026
Driver Licensing Information (90 days for a license, 30 for a CDL holder; residency affidavit for mail forwarding)
Used on moving here
- South Dakota DPSread September 30, 2026
Office of Accident Records (report "submitted by the investigating law enforcement agency")
Used on crash reporting