South Dakota

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State Coverage Requirements

Coverage Type

State Coverage Requirements

Bodily Injury Liability

$25,000 limit per person / $50,000 limit per accident

Property Damage Liability

$25,000 limit

Collision

Not required, but recommended

Comprehensive

Not required, but recommended

Medical Expenses

Not required, but recommended

Personal Injury Protection (PIP)

Not required

Uninsured Motorist

$25,000 limit per person / $50,000 limit per accident

Underinsured Motorist

$25,000 limit per person / $50,000 limit per accident

Property Protection (PPI)

Not required

Average rates vs National Average

National AVG.

South Dakota AVG.

source: www.iii.org

Cellphone/Texting

Explained

Hand-Held Cell Phone Ban:

There is no ban.

All Cell Phone Use Ban for Novice Drivers:

Drivers with a Learner or Intermediate License cannot use a cell phone at all while driving.

Texting Ban:

In South Dakota, text messaging is banned for all drivers.

DUI Laws

Explained

The legal limit for a blood alcohol concentration (BAC):

The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.

Increased penalty for high BAC:

There's an increased penalty for drivers with a BAC of 0.17 or above.

1st offense Suspension:

Administrative license suspension on the 1st offense: In South Dakota, law enforcers can confiscate a first-time offender's driver's license for 30 days to one year if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted. Refusal to submit to a chemical test will result in a 30 day administrative license suspension.

Ignition Interlocks:

These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. South Dakota made the installation of ignition interlocks discretionary.

Repeat Offenders:

None in South Dakota.

Open Container Law:

No driver or passenger can have any receptacle that contains any amount of alcohol that is open or unsealed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers. Open containers must be transported in the trunk of the vehicle or in an area not accessible by the driver or passengers.

Graduated Drivers License

Explained

Learner Stage:

(Supervised driving, to be completed with a driving test): At 14 years of age, individuals can begin driving with supervision for a period lasting a minimum of 90 days if taking driver's education and a minimum of 180 if not taking driver's education. In this stage, there are no supervised driving hour restrictions for South Dakota novice drivers.

Intermediate Stage:

Min. Age: 14 and 90 days or 14 and 180 days (depending on if taking driver's ed)
Night Driving Restriction: 10pm-6am
Passenger Restriction: None

(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 14 and 90 days (if took driver's education) or 14 and 180 days (if didn't take driver's education) are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 10pm and 6am and do not have any passenger restrictions.

Full Privilege Age:

Age: 16

(Full driver's license): At the age of 16, South Dakota drivers can now get a standard driver's license without any restrictions.

Speed Limit

Car

Truck

Rural Interstates:

SPEED LIMIT
75 MPH
SPEED LIMIT
75 MPH

Urban Interstates:

SPEED LIMIT
75 MPH
SPEED LIMIT
75 MPH

Other Limited Access Roads:

SPEED LIMIT
70 MPH
SPEED LIMIT
70 MPH

Page Source: ghsa.org

South Dakota
Department of Insurance

Website: dlr.sd.gov/insurance/
Address:  445 E. Capital Avenue, Pierre, South Dakota 57501
Phone:  605-773-3563

South Dakota
DMV Information

Website:  dor.sd.gov/
Phone:  605-773-3311 or 605-773-3541

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