There are so many companies offering auto insurance in South Dakota. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, you local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as SD's Graduated Driver Licensing laws (refer to chart below).

For more information on this state, visit the South Dakota State Information or South Dakota State Catastrophe page.

South Dakota Coverage Scale

Choosing what auto insurance coverages are right for you in South Dakota can be challenging. You can use the South Dakota auto insurance coverage levels chart below as a starting point for understanding the South Dakota coverage level requirements and for reviewing the most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		25,000/50,000	100,000/300,000

	Property Damage Liability		25,000	100,000

	Uninsured Motorist Bodily Injury		25,000/50,000	100,000/300,000

	Medical Payments		Not required	5,000

	Collision		Not required	500 deductible

	Comprehensive		Not required	250 deductible

South Dakota Graduated Driver Licensing

If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.


	Minimum Entry Age (Optimal: 16)			14
	Minimum Entry Age (Optimal: 16)			14

	Extended Learner Period (Optimal: at least 6 months)			Has the provision but it is not optimal

	Parent Certification (Optimal: 30 hours minimal)			Has no provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has optimal provision

	Passenger Restriction (Optimal: No teenager passengers or only one-family excepted)			Has no provision

	Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)			16

Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Iowa, Minnesota, Montana, Nebraska, North Dakota, Wyoming

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in South Dakota. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

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South Dakota

Auto Insurance Coverages

South Dakota Coverage Scale

South Dakota Graduated Driver Licensing

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