Cheap SR-22 Insurance in South Dakota from $127
South Dakota drivers with an SR-22 have an average monthly liability rate of $127.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Updated October 29, 2024
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Table of contents
An SR-22 is a certificate of financial responsibility that confirms you carry the required minimum car insurance coverage in South Dakota. You may need an SR-22 to restore your driving privileges after certain violations, like driving under the influence (DUI) or driving without insurance.[1]
While having an SR-22 can increase your insurance premiums, you can still find affordable coverage. Here’s what you need to know about getting SR-22 insurance in South Dakota.
Quick Facts
An SR-22 isn’t a type of insurance but a form proving a person has the minimum required car insurance in South Dakota.
You may need to maintain SR-22 insurance for three years after a violation like driving under the influence or without car insurance.
Your insurance company may charge a fee of up to $200 per year to file the SR-22 form with the state.
Cheapest companies for SR-22 insurance in South Dakota
When shopping around for SR-22 car insurance in South Dakota, it’s important to compare companies to find the most affordable coverage. Below is a table highlighting the cheapest car insurance companies for SR-22 drivers, whether you want a liability-only policy or full-coverage car insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Safeco | $80 | $153 |
| CSAA | $82 | $169 |
| Dairyland | $82 | $245 |
| Bristol West | $92 | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in South Dakota?
SR-22 insurance isn’t actually a type of insurance policy. Instead, it’s a form your insurance company files with the state to confirm you meet the minimum coverage requirements. Your insurance company also promises to notify the state if your coverage lapses for any reason.
The state of South Dakota may order an SR-22 if you have serious driving violations, like a DUI or driving without insurance. The form allows reinstatement of your driving privileges so you can legally get back on the road.
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Difference between SR-22 and FR-44
The main difference between SR-22 and FR-44 forms is that only Florida and Virginia use FR-44s. South Dakota requires an SR-22.
The SR-22 and FR-44 forms serve a similar purpose — they both prove you carry car insurance. Florida and Virginia require SR-22 forms for driving offenses that don’t involve alcohol and an FR-44 for DUI offenses or other serious violations.
An FR-44 also differs from an SR-22 in that an SR-22 only requires you to carry the state-minimum liability limits, while an FR-44 requires liability insurance beyond the minimum requirements.
Fortunately, South Dakota residents don’t need to worry about an FR-22 unless they move to Virginia or Florida.
When you need SR-22 insurance
South Dakota law may require you to get SR-22 insurance after certain traffic violations or legal issues. Some of the most common reasons for needing an SR-22 are:
Driving under the influence (DUI) or driving while intoxicated (DWI): If you get a DUI or DWI conviction, the state may require an SR-22 to reinstate your driving privileges.
Driving without insurance: South Dakota may require you to carry an SR-22 if you get caught driving without the state’s minimum insurance coverage.
Multiple traffic violations: The state may require you to get an SR-22 if you have two reckless driving violations within a one-year period.
License suspension or revocation: South Dakota may require an SR-22 to restore your driving privileges after your license is suspended after a serious offense.
How to get SR-22 insurance in South Dakota
Here are the steps to follow if you need to get SR-22 insurance in South Dakota:[1] [2]
1. Contact your insurance company
Let your current insurance company know you need an SR-22 filing. Not all companies offer SR-22 forms, so if your insurer doesn’t, you may need to switch insurers.
2. Purchase the required coverage
If you need to switch insurance companies, make sure you purchase at least the state’s minimum liability coverage. But you might want higher liability limits or full coverage, which includes comprehensive and collision coverage, depending on your needs and budget.
3. Request the SR-22 filing
Your insurance company will file the SR-22 form with the South Dakota Motor Vehicle Division to certify you meet the state’s insurance requirements.
4. Pay the filing fee
Your insurance company may charge a fee for filing the SR-22, which can be as high as $200. You may have to pay the fee up front, or the insurance company might include it in the cost of your auto insurance policy.
5. Maintain continuous coverage
To keep your SR-22 valid, you must keep your insurance coverage in force for the mandated period — typically three years. If you don’t pay your premiums, the insurance company can cancel your policy and notify the state. The state can then suspend your vehicle registration, license plates, and driver’s license as well as make your SR-22 period start over.
How long South Dakota requires SR-22 insurance
If South Dakota requires you to carry an SR-22, you typically need to maintain it for three years. But getting other violations while you have an SR-22 can extend the timeline. For example, you might face additional penalties and restart your SR-22 period if your insurance lapses or if you get a DUI or another reckless driving conviction.
Barriers you might encounter when shopping for SR-22 insurance in South Dakota include:
Finding an insurance company: Not all insurance companies offer SR-22 coverage, so you may need to shop around or switch insurance companies.
Higher premiums: SR-22 filings usually classify you as a high-risk driver in the eyes of insurance companies, so they may charge you higher premiums.
Strict requirements: Any lapse in coverage can result in the state suspending your license and registration again.
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How SR-22 insurance affects driving record and future rates in South Dakota
An SR-22 filing itself doesn’t affect your driving record, but the violations leading up to needing an SR-22 affect your driving record and future insurance rates. Insurance companies view drivers with DUIs or people caught driving without insurance as high-risk, and they charge higher rates to offset that risk.
To improve your driving record and lower your insurance rates, consider the following tips:[3]
Drive safely and avoid violations. Accidents and traffic violations can increase your premiums and extend the SR-22 requirement. Follow traffic laws and practice defensive driving to maintain a clean record.
Take a defensive driving course. Some insurance companies offer discounts for completing an approved defensive driving course. While South Dakota won’t dismiss your offense or remove points, this could help you get a discount on your premiums.
Shop around for the best rate. Even with an SR-22, it’s worth comparing auto insurance rates from different insurance companies. Some companies specialize in high-risk drivers and may offer lower rates than your current insurer.
Maintain continuous coverage. Failure to maintain car insurance coverage can lead to more penalties and potentially extend your SR-22 period, leading to even higher costs. Set up automatic payments or reminders to ensure you never miss a payment.
Improve your credit. In South Dakota, insurance companies can use credit history to determine rates. By improving your credit, you might qualify for lower rates, even if you carry an SR-22.
South Dakota SR-22 insurance FAQs
You may have more questions about getting SR-22 insurance in South Dakota. Below are some answers that will help you in your search.
How do you know if you need an SR-22 or FR-44?
The court or the South Dakota Motor Vehicle Division will notify you if you’re required to file an SR-22. This typically happens after a serious traffic violation, like a DUI or driving without insurance. South Dakota doesn’t use the FR-44 form — it’s only used in Florida and Virginia for alcohol-related driving offenses.
Are there any fees with SR-22 insurance?
Yes, your insurance company may charge a fee to file the SR-22. Fees can be as high as $200 but are usually around $15–$25. This fee is separate from your regular insurance premiums, which will likely be higher due to the moving violation that leads to the SR-22 requirement.
How much do car insurance rates increase after filing an SR-22?
Your car insurance rates could increase significantly if you need an SR-22. For example, drivers with a clean record pay an average of $104 per month, while drivers with a DUI pay an average of $172 per month, according to nationwide Insurify data. The exact increase depends on several factors, including the violation that led to the SR-22, your driving history, and your insurance company.
How long do you have to hold an SR-22 in South Dakota?
South Dakota generally requires drivers to maintain an SR-22 for three years. But the exact duration may depend on the nature of the violation and compliance with the coverage requirements. Any lapse in coverage can extend the SR-22 period or lead to additional penalties.
How do you get rid of an SR-22 in South Dakota?
To remove an SR-22 requirement, you need to maintain continuous coverage for the required period, typically three years. Once you complete that without any lapses in coverage, you can ask your insurance company to send an SR-26 form to the South Dakota DMV, which will remove your SR-22.
Before removing the SR-22, make sure you confirm with the state that you no longer need it.
What happens to your SR-22 in South Dakota if you move?
If you move out of South Dakota, you must maintain SR-22 insurance for the duration mandated by the state. You have to keep your SR-22 active even while living in another state. Your new state of residence may have additional requirements, but your SR-22 obligation remains in South Dakota.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in South Dakota
Sources
- Sd.gov. "South Dakota Revoked & Suspended Licenses."
- Kelley Blue Book. "SR-22 Insurance: What Is It and How Does It Work?."
- Defensive Driving.org. "South Dakota Defensive Driving."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
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