This comprehensive guide to South Dakota auto insurance requirements will help you navigate the at-fault system and state laws. All drivers are required to have liability coverage of at least $25,000 for personal injury and property damage per person, as well as underinsured and uninsured motorist coverage. Please be advised of the severe penalties for driving without insurance, which include financial penalties, licence suspension and the mandatory filing of an SR-22 form for a period of up to three years. Please note that key factors such as your driving record, credit score, age and location (e.g. Sioux Falls versus Rapid City) influence your premium. We invite you to consider additional protection options such as collision and comprehensive insurance, which are essential given the risk of hail damage and wildlife collisions. There are several strategies that can be employed to reduce expenditure, including increasing the deductible, maintaining a clean driving record and taking advantage of low mileage discounts.