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South Dakota: rules and deadlines at a glance
Every 11 topic we track for South Dakota on one page. Open a topic for the details, the law it comes from and how South Dakota compares.
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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 3 years |
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| Property damage | 6 years |
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| Minimum liability | $25,000 / $50,000 / $25,000 |
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| Fault system | At-fault (the driver who caused it pays) |
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| Shared-fault rule | Slight/gross negligence rule |
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| Acknowledge | 30 days to acknowledge and act on communications |
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| Accept or deny | No fixed number of days in current rules |
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| Pay | Not set by rule |
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| Dollar limit | $12,000 |
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| Filing fee | $24.84 to $42.84 |
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| Lawyers | Allowed |
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| Total loss rule | Total loss formula |
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| Rule | One-bite rule |
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| Details | One-bite rule |
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| Rule | Slight/gross negligence comparison |
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| When you are barred | Recovery only if your fault is slight compared with the other side's |
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| Report required if | Death, injury, over $1,000 to one person's property or $2,000 total |
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| Deadline | Immediately |
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| Handheld ban | No |
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| Texting ban | Yes, secondary |
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| Law type | Partial |
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| Who must wear one | Riders under 18 |
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| Drivers uninsured | 9.4% |
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| UM/UIM coverage | Uninsured and underinsured motorist required |
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