Coverage and service for the Mount Rushmore State
If you live in South Dakota or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
From marveling at the beauty of Badlands National Park to visiting the iconic Mount Rushmore and cruising through the scenic Black Hills, we can be there for you.
Required car insurance coverage in South Dakota
South Dakota law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
Minimum requirement |
You must have the same limits as your bodily injury liability coverage up to $100,000 per person and $300,000 per accident. |
Coverage |
Underinsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have enough insurance. |
Minimum requirement |
You must have the same limits as your bodily injury liability coverage up to $100,000 per person and $300,000 per accident. |
Required car insurance coverage in South Dakota
South Dakota law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
You must have the same limits as your bodily injury liability coverage up to $100,000 per person and $300,000 per accident. |
Underinsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have enough insurance. |
You must have the same limits as your bodily injury liability coverage up to $100,000 per person and $300,000 per accident. |
South Dakota law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
| Minimum requirement | You must have the same limits as your bodily injury liability coverage up to $100,000 per person and $300,000 per accident. |
| Coverage | Underinsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have enough insurance. |
| Minimum requirement | You must have the same limits as your bodily injury liability coverage up to $100,000 per person and $300,000 per accident. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
South Dakota car insurance FAQ
If you’re moving to South Dakota or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.