Insurance in SD

State-specific guides, common questions, and licensed agencies that cover SD.

South Dakota insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in South Dakota

25/50/25

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $25,000
Bodily injury liability, per accident: $50,000
Property damage liability: $25,000
Personal injury protection (PIP): Not required
Uninsured motorist coverage: Required

UM and UIM coverage are required at 25/50.

Source: SDCL 32-35-70 Owner's policy of liability insurance · SDCL 32-35-70; SDCL 58-11-9; SDCL 58-11-9.4 · Reviewed Sep 13, 2026

Flood insurance claims in South Dakota

NFIP claims, 2016–2025: 631; $22.5 million paid
NFIP claims in 2025: 4; $33,790 paid

Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this

Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.