Auto Insurance South Dakota
South Dakota has a colorful past as a gold rush destination and outlaw destination. Mining towns like Lead and Deadwood often attracted famous historical characters such as Wild Bill Hickok and Calamity Jane. In fact, the town of Deadwood includes the graves of both fabled outlaws.
South Dakota is the country’s leading state in terms of gold production which make is a popular destination during the Gold Rush days. Much of the gold is from the Black Hills area and the Homestake Mine. Other parts of the state showcase glacier formed lakes, prairies, plains, grasslands, low hills, and the Badlands. The Badlands is an area of steep hills and deep gullies formed by erosion over the years.
The state is blessed with fertile farmland over ninety percent of the state as well, making farming an important part of the area’s economy. Crops exported from South Dakota include corn, oats, hay and flaxseed. Tourists flock to the state to see one of the nation’s most recognized monuments, Mount Rushmore. Other popular destinations include the Black Hills, Badlands National Park, Wind Cave National Park and the Crazy Horse Memorial.
Cost Averages Per Driver
Current average car insurance premium $1,066.01
Current average car insurance premium U.S. $1,446.49
Average premiums
Sioux Falls $1,171.62
Rapid City $1,226.30
Uninsured or underinsured Motorist
Drivers who operate their motor vehicles without insurance rarely have the money to pay for their damages out of pocket. With no insurance to back them up, the uninsured driver is usually unable to pay for the damages. This could mean a hefty bill for the victim of the accident which is pretty unfair. Uninsured motorist coverage was created to protect people in situations like this.
How much UM & UIM Coverage should you get?
South Dakota residents benefit from regulation that requires each policy hold to carry $25,000/$50,000 in uninsured motorist coverage. Since 7% of the drivers are uninsured, this mandated insurance is necessary for protection while driving.
Determining at Fault for an Auto Accident
If you are unfortunate enough to be the cause of an accident in South Dakota, the state requires that you pay for all the damages. Having insurance is essential to protect drivers in case they are ever the reason an accident happens. The at fault is protection from most legal action, but is still responsible for any and all damages incurred.
Coverage Requirements
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
