Non-Owner Car Insurance Agents in South Dakota

Browse cities in South Dakota to find local insurance agents who specialize in non-owner car insurance and SR-22 filing.

South Dakota Insurance Overview

South Dakota (SD) requires all drivers to carry minimum liability insurance. Non-owner car insurance is available for residents who don't own a vehicle but still need to maintain coverage, whether for SR-22 requirements, rental car usage, or occasional driving.

Minimum Liability Coverage: 25/50/25$25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage

Uninsured Motorist: Required at $25,000 per person / $50,000 per accident for UM bodily injury coverage.

Notes: California has a mandatory good-driver discount and Proposition 103 rate regulation...

State Insurance Department: Visit Website

SR-22 in South Dakota

South Dakota requires SR-22 filing for 3 years after qualifying violations. Required for DUI, reckless driving, habitual traffic offenses, and driving without insurance. 3 years from date of license suspension. Filed with SD Department of Public Safety.

Read the South Dakota DMV SR-22 page

Need SR-22 in South Dakota?

Non-Owner SR-22 Insurance in South Dakota

South Dakota requires SR-22 for 3 years following suspension. Unlike neighboring North Dakota, South Dakota is a tort state with no mandatory PIP. Learn about mandatory UM/UIM coverage, modified comparative fault, and non-owner SR-22 options.

New to non-owner insurance?

Should You Switch to Non-Owner Car Insurance?

If you've sold a car, moved to a transit city, or consolidated vehicles, you might be ready to switch from full-coverage to non-owner insurance. Here's how to run the math and do it without a lapse.