Motorcycle Insurance Minimum Requirements in South Dakota

South Dakota Liability Insurance Requirements for Motorcycles

You must carry the following minimum amount of liability insurance:

• $25,000 for injury/death to one person

• $50,000 for injury/death to more than one person

• $25,000 for damage to property

Before inking your name to a policy, take the time to research quotes from a variety of carriers. Shopping around may help you uncover a substantially cheaper rate. And don't forget that you always have the option to maximize your protection with additional types of coverage.

How Coverage Affects Helmet Requirements

Insurance coverage, regardless of the amount, has no bearing on the state's helmet law. As is, helmets are only mandatory for riders younger than 18.

Proof of Insurance and Financial Responsibility

If a law enforcement officer requests proof of insurance, you must provide one of the following:

• A current insurance identification card, supplied by your carrier.

• A Certificate of Deposit issued by the State Treasurer.

• A Certificate of Self-Insurance.

• A surety bond certificate.

Penalties for Failure to Maintain Financial Responsibility

If caught riding without insurance, you'll be charged with a Class 2 misdemeanor and face the following penalties:

• A $100 fine and possibly 30 days in the county jail.

• A suspended license for up to one year.

• The requirement to file proof of insurance (SR-22) with the state for three years. If you allow your insurance to lapse during this period you'll face immediate registration, license, and license plate suspension.

• Higher insurance premiums.

If you need more information about the penalties for having no proof of insurance―and how to satisfy them―contact the MVD at (605) 773-3541.