Post-SR22 Insurance Rates in South Dakota
South Dakota requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22South Dakota at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in South Dakota
Drivers convicted of DUI, accumulating excessive points, driving uninsured, or causing serious accidents typically face a 3-year SR-22 filing requirement monitored by the South Dakota Department of Public Safety. Once that requirement ends, your rates don't automatically reset—you enter a multi-year recovery curve where your violation remains visible to insurers but gradually loses pricing weight.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Full Coverage
What Drivers Pay in South Dakota
$223–$449/mo
Typical monthly rate in South Dakota, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Clean driving during and after SR-22: a single ticket during recovery can reset your rate timeline by 12–18 months
- Carrier specialization: standard carriers penalize recent SR-22 history more heavily than non-standard carriers transitioning you back to standard risk pools
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Restricted License / Restricted Permit (SDCL 32-12-49.4); court-ordered limited driving privilege for DUI (SDCL 32-23-2/-3)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Post-SR22 drivers pay premiums based on both the violation that triggered SR-22 and how long ago the requirement ended—year one post-SR22 liability costs 50–90% more than baseline, dropping to 15–30% above baseline by year three.
Full Coverage
Liability plus comprehensive and collision. Post-SR22 drivers see the steepest rate declines on full coverage because comp and collision surcharges fade faster than liability surcharges—by year three, your full-coverage rate may be only 20–30% above a clean driver's rate, while liability-only remains 30–40% elevated.
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Post-SR22 drivers in South Dakota face above-average uninsured-motorist encounter rates due to overlapping risk pools, making UM/UIM a statistically sound investment during the recovery period.
Comprehensive Coverage
Covers non-collision events: hail, theft, vandalism, animal strikes. Post-SR22 drivers pay comp surcharges 20–40% above baseline in year one, declining to 5–15% by year three. Comp is often the first coverage to return to near-standard pricing.
Collision Coverage
Pays for vehicle damage in at-fault accidents. Post-SR22 drivers face collision surcharges 40–70% above baseline in year one, dropping to 15–25% by year three. High deductibles ($1,000+) can reduce premiums by $30–$50/mo but require liquid savings to cover out-of-pocket repair costs.
SR-22 Insurance
Not a separate policy—an endorsement proving continuous liability coverage to the South Dakota Department of Public Safety. Once your 3-year requirement ends, the certificate is removed, but your rate recovery continues for 36–48 additional months as the underlying violation ages off carrier pricing models.