Home › Insurance › Car insurance minimums › South Dakota
In South Dakota, the minimum car insurance is 25/50/25: $25,000 per person and $50,000 per crash for injuries you cause, plus $25,000 for property damage. Required coverage: BI & PD Liability, UM, UIM. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
An official state page with this figure wasn't found in our Oct 2026 re-check (the state's code site didn't load for us); figure from the III table (Dec 2023).
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: Insurance Information Institute state table (as of Dec. 2023). Not confirmed against an official page 2026-10-12. Confirm with South Dakota's DMV or insurance department.
We don't sell insurance or provide quotes. Facts from regulators and public data only, no paid placement.
25/50/25 (BI & PD Liability, UM, UIM): $25,000 per person and $50,000 per crash for injuries you cause, plus $25,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.