SR-22 Insurance in South Dakota
Numbers refreshed
In South Dakota, this covers who needs a filing, how long it stays valid, and the fee the state charges.
- SR-22.The form the state requests.
- 25/50/25.the lowest liability limits.
- 39th of 51.Where the state sits on cost (1st = highest).
The The SR-22 rules in South Dakota
In South Dakota, an SR-22 filing asked for after a serious offense is kept for 3 years.
Proof of financial responsibility for the future is required in South Dakota after a revocation or suspension. Those cases cover a judgment, a no-insurance conviction, vehicular homicide, DUI, or reckless driving a second time in a year.
| Rule | South Dakota |
|---|---|
| Form | SR-22 |
| Years you must keep it | 3 |
| Liability it must prove | 25/50/25 |
Source: DPS: Department of Public Safety: Revoked or Suspended Driver License and Reinstatement.
How it affects your price
The filing itself costs little. What pushes your premium up is the offense behind it.
In state rate guides we rely on, a single at-fault accident pushes the price up about 1.5 times.
With liability in South Dakota averaging $416, that would come to about $623 a year.
Getting one
- Ask your insurer to send the form to the state; not every company does.
- Don't own a car? The filing can be carried by non-owner coverage.
- Your policy has to stay paid. If the policy lapses, the state is told, and that can restart the clock.
First written