Cheapest SR-22 Car Insurance in South Dakota

State Farm offers the cheapest SR-22 insurance in South Dakota at $25 monthly for minimum coverage, 57% less than the state average of $58. For full coverage, American Family provides the best deal at $68.

Auto-Owners offers the cheapest non-owner SR-22 insurance in South Dakota at $17 monthly or $201 annually. Non-owner insurance meets the state's minimum coverage requirements for those needing SR-22 filings without a car. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in South Dakota for drivers with an SR-22 is $691 annually for minimum coverage, 79% more than the $385 average for drivers with clean records.

SR-22 drivers pay about $2,177 per year for full coverage, compared to $1,189 for clean-record drivers — an 83% increase.

An SR-22 form doesn't raise the insurance rate by itself. The type of violation determines the cost. The table below compares SR-22 insurance prices for common violations across age groups in South Dakota.

An SR-22 isn't insurance but a form showing you have the state's minimum coverage. Drivers with certain violations must file an SR-22 to get their license back. Insurers view SR-22 filers as high-risk, which means higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. It’s a form your insurer files to confirm you meet the insurance requirements for reinstating your license under South Dakota’s Financial Responsibility law.

Having an SR-22 is mandatory for three years after a serious traffic violation. This form shows state officials that you meet South Dakota's minimum coverage requirements. Drivers must carry these liability limits to comply with SR-22 laws:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

In South Dakota, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with South Dakota's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of South Dakota during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be more difficult than it is for drivers with clean records, as insurers may cancel your policy or deny coverage when you file.

High-risk drivers in South Dakota may find fewer companies offering coverage, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers drivers who don’t own a vehicle but drive frequently. It protects you when driving someone else’s car, covering third-party injuries or property damage. This policy is ideal for those who rent cars or drive for rideshare services.

Non-owner policies are often cheaper than standard coverage. Comparing quotes from different insurers can help you find the best rates. Once you buy a policy, your provider can file an SR-22 form to ensure compliance with state law. After three years, you can reinstate your license.

South Dakota requires an SR-22 for severe driving offenses to prove meeting the state minimums for car insurance. You must keep this form for three years for serious or repeated mistakes. Although SR-22 rates are usually higher, you can still find cheap car insurance options.

Below are frequently asked questions about SR-22 certifications in South Dakota:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for South Dakota drivers with various profiles and needs.

South Dakota Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on South Dakota's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.