SR-22 insurance in South Dakota isn’t a type of insurance but rather a certificate of financial responsibility that some drivers must file. It’s often required for individuals who have been convicted of certain driving-related offenses, such as DUI, driving without insurance, reckless driving or multiple traffic offenses.
Your insurance company submits the SR-22 form to the South Dakota Department of Motor Vehicles (DMV) on your behalf. It proves that you carry the minimum liability insurance required by the state. Make sure to keep your insurance active for the duration mandated by the court or DMV.
This guide outlines what SR-22 insurance covers in South Dakota and explains how it impacts your annual premium rates should you require SR-22.
Who needs an SR-22 in South Dakota?
In South Dakota, individuals whose driving licenses were suspended or revoked due to certain violations may be required to obtain an SR-22.
Below are the violations that can trigger this requirement:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
The SR-22 requirement in South Dakota typically lasts 3 years, although it can vary depending on the violation. You must maintain at least the minimum car insurance coverage required by South Dakota laws during this period.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in South Dakota?
If you need SR-22 insurance in South Dakota, you must buy a car insurance policy and have the insurance company file the SR-22 form with the Department of Motor Vehicles (DMV).
Getting the right car insurance:
- Contact your current insurance provider: Many insurers can handle SR-22 filings, but remember that your rates may change. It’s important to confirm whether they offer an SR-22 and if it will affect your premiums.
- Shop for quotes: It’s important to compare quotes from different insurers that offer SR-22 coverage. Disclose your need for an SR-22 so you get accurate estimates.
- Meet state minimum liability limits: Make sure that your coverage meets South Dakota’s required minimums, which is 25/50/25.
Filing the SR-22:
- Inform your insurance company about your SR-22 requirement. They will take care of the paperwork and file the form with the DMV for you.
- Pay the fees. There will be a filing fee for the SR-22 from your insurer and the increased premiums due to your high-risk status.
- Maintain continuous coverage. Make sure there is no lapse in the insurance coverage to avoid license suspension by the DMV.
Having an SR-22 may increase your car insurance costs because it signifies a riskier driver. To minimize the impact, compare quotes from different insurers and focus on safe driving habits to get lower rates in the future.
Discover your options for getting SR-22 insurance without a valid license
How much is SR-22 insurance in South Dakota?
The average cost of car insurance in South Dakota is $2,436 per year for full coverage with an SR-22, which is $343 higher than the national average of $2,093 a year. However, if you have a DUI on your record, the average annual premium in South Dakota jumps to $4,132 for full coverage.
In addition to the increased premium, most insurance companies also charge a small fee for filing the SR-22 form. If you’re facing a license suspension, getting an auto insurance policy along with an SR-22 form is typically the only way to reinstate your license.
How much is SR-22 insurance per month in South Dakota?
South Dakota drivers with a DUI can expect to pay an average of $344 a month for full coverage insurance with an SR-22.
Only some insurance companies provide car insurance for high-risk drivers, so you might need to look around to find one that does. When you do find an insurer, be prepared for higher premiums because of driving violations on your record.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Check out SR-22 insurance rates in nearby states
Cheapest SR-22 insurance companies in South Dakota
Nationwide provides the most affordable SR-22 car insurance for drivers in South Dakota, with an average annual premium of $1,538. Allstate and State Farm also offer competitive SR-22 insurance rates in South Dakota, according to CarInsurance.com data.
After a DUI or other traffic violation in South Dakota, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in South Dakota.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
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Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in South Dakota?
In South Dakota, you are required to have SR-22 coverage for a period of 3 years. This confirms to the South Dakota DMV that you have the state-mandated minimum insurance coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
How do I check my SR-22 status online in South Dakota?
You can visit the official South Dakota DMV website and use their online services to check your SR-22 status. Besides, you can contact the South Dakota DMV directly via phone and inquire about your SR-22 status. They should be able to provide you with the necessary information.
What happens if I cancel my SR-22 insurance?
Canceling your SR-22 insurance before the mandated period ends can lead to several serious consequences
- Driver’s license suspension: Your insurance company is required to inform the state if your SR-22 is canceled. This will likely lead to your driver’s license being suspended.
- Fines and penalties: Non-compliance with SR-22 requirements may incur additional fines or penalties, adding to the financial consequences of policy cancellation.
- extended probationary period: If your SR-22 was a condition of probation for a driving offense, canceling it could reset the probation clock.
- Insurance premium increase: A lapse in coverage and violations can lead to significant spikes in insurance premiums.
It’s crucial to maintain continuous coverage for the required period. Any gaps or cancellations can result in penalties and suspension of your driver’s license.
How to get an SR-22 removed in South Dakota
To get rid of your SR-22, you must wait until the required time period is up. In South Dakota, this period is typically 3 years from when you first filed the SR-22.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in South Dakota?
An SR-22 requirement can significantly impact your car insurance rates in South Dakota. Insurance companies often view drivers with an SR-22 as high-risk, which can lead to higher premiums.
The specific rate increase can vary depending on several factors, including the insurance company’s policies, driving record, the reason for needing the SR-22, and other personal factors.
Don’t settle for the first offer. Compare quotes from multiple insurers to get the best deal on car insurance with an SR-22. If you stay violation-free and comply with the SR-22 requirements, your rates could go down over time.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for South Dakota drivers
If you’re in a situation where you require an SR-22 in South Dakota but don’t have a vehicle, non-owner SR-22 insurance can help you reinstate your South Dakota driver’s license and fulfill the state requirements.
Non-owner car insurance provides liability coverage in case you get into an accident while borrowing or renting a vehicle. This protects you from having to pay for damages or injuries to others caused by an accident. Since not all companies offer non-owner insurance and SR-22, it’s important to shop around and compare options in your state to find the right coverage for your needs.
Frequently asked questions: SR-22 insurance in South Dakota
Do I need an SR-1P or SR-22 in South Dakota?
The SR-22 and SR-1P are forms your insurance company files with the South Dakota DMV to show you have the minimum required liability coverage. SR-1P is for two-wheelers, such as motorcycles, mopeds and scooters – if you’ve been caught riding without insurance or had your license suspended, you’ll need an SR-1P.
What happens to your SR-22 insurance in South Dakota if you move?
Your SR-22 insurance in South Dakota doesn’t disappear when you move. You’ll need to find a new insurance company licensed in your new state to file an SR-22 on your behalf. They’ll likely need to file forms with the South Dakota DMV and your new state’s DMV to transfer the requirement. Don’t cancel your South Dakota insurance until you have the new SR-22 in place to avoid a lapse in coverage.
Your new state’s SR-22 requirements might differ from South Dakota’s. You’ll need to consult with your new insurer and the DMV in the state to understand what’s needed.
Does Geico offer SR-22 in South Dakota?
Yes, Geico offers SR-22 in South Dakota. It is one of the major car insurance companies that file SR-22 with the state on your behalf, along with providing the necessary insurance coverage to meet the state’s requirements.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in South Dakota. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
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