SOUTH DAKOTA SR22 INSURANCE
South Dakota SR22 INSURANCE
SOUTH DAKOTA SR22 INSURANCE
In the state of South Dakota, the SR-22 car insurance certificate, or financial responsibility insurance form, is a document of proof that a driver is financially responsible for carrying the minimum car insurance as required by the state. An SR-22 in South Dakota can be mandatory if you meet certain requirements, such as driving without insurance.
- Who Needs SR-22 Car Insurance in South Dakota?
- South Dakota SR-22 insurance rates
- How to get SR22 insurance in South Dakota
- South Dakota Non Owner SR22 Insurance
- South Dakota Mandatory Auto Insurance Coverage
Who Needs SR-22 Car Insurance in South Dakota?
In South Dakota, SR-22 car insurance must be carried by:
- Uninsured drivers who caused an accident that resulted in damages or injuries for which they failed to pay compensation.
- Drivers with unsatisfied judgments.
- Drivers whose licenses were revoked.
- Drivers who are under mandatory insurance supervision.
- Drivers with three or more mandatory insurance violation convictions on their driving record.
According to the South Dakota DMV, SR-22 insurance must be carried for three years. Failure to maintain SR-22 insurance will result in the suspension of your driver’s license, vehicle registration, and license plates.
South Dakota SR-22 insurance rates
Acquiring SR22 insurance in South Dakota may greatly increase your car insurance rates. If you need SR-22 insurance, you’re considered a high-risk or non-standard driver. The cost of insurance varies based on your company and the state you reside in, but being a high-risk driver will increase your auto insurance rates everywhere. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, car insurance with a DUI conviction in South Dakota costs $1,848 per year. That’s 58 percent higher than car insurance with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from.
How to get SR22 insurance in South Dakota
If you already have auto insurance, obtaining an SR-22 certificate shouldn’t be too difficult. Just call your car insurance company and ask them to file an SR-22 request on your behalf. If your current auto insurance company refuses to request a certificate, you’ll need to shop for a new policy with a new insurance company.
If you’re uninsured, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification may disqualify you from getting coverage from some companies, while others would be happy to cover you.
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don’t own a vehicle, purchase a non-owners auto insurance policy before pursuing an SR-22. Non-owners auto insurance is typically less expensive than standard coverage since it doesn’t protect against physical damages to your vehicle.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
South Dakota Non Owner SR22 Insurance
A South Dakota SR22 non-owners insurance policy is a great way for drivers who do not own a motor vehicle and who may not have regular access to a motor vehicle to meet the state’s drivers license reinstatement insurance requirements. Purchasing non-owners liability coverage will enable drivers to satisfy the state’s SR22 insurance requirements without owning a vehicle.
There are three types of South Dakota SR22 certificates available:
South Dakota SR22 Operators Certificate:
This covers the driver to drive any vehicles owned by the driver. The certificate may be issued with the details of the make and model of the driver’s automobile or it may cover any vehicle owned by the driver.
South Dakota SR22 Operators-Owners Certificate:
This covers any vehicles owned by the driver and any vehicles that are not owned but the driver has been given permission to drive.
South Dakota Mandatory Auto Insurance Coverage
As with most states, South Dakota requires drivers to carry mandatory minimum liability coverage. The mandatory coverage under state law is:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
Get Insured Today
SR-22 Insurance is working every day to help drivers in South Dakota obtain the coverage they need to legally drive. We work with many customers seeking high-risk SR-22 insurance at the lowest possible rates. If you suspect that your current or previous auto insurance company has been overcharging you, allow us to show you a quote that you’ll love.
Visit our website to get your FREE auto insurance quote, or give us a call to discuss setting up a new policy over the phone. https://sr22insurance.net/sr22-insurance-quotes/
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