Motorcycle Insurance: South Dakota

Do not ever ride uninsured. In South Dakota, having motorcycle insurance is mandatory.

Insuring a motorcycle in South Dakota can be costly, so checking quotes and options from leading South Dakota motorcycle insurance providers is extremely important.

This is why we offer this service: to enable you to compare and contrast plans from top insurance companies – for example GEICO and Progressive – without leaving home!

Motorcycle Insurance: South Dakota Requirements

If you live in South Dakota, you are required by law to have motorcycle insurance. What is motorcycle liability insurance? This type of coverage protects against legal liability to pay compensation and court costs where the insured has been found negligent in respect of injuries sustained by another person or damage to his/her property.

South Dakota motorcycle insurance minimums are as follows.

  • $25,000: bodily injury liability maximum for an individual injured in a crash
  • $50,000: bodily injury liability maximum for injuries to all people in one accident
  • $25,000: property-damage liability maximum for one accident

SD Uninsured Motorist Coverage For Motorcycles

In South Dakota, around 9% of the populace is driving without insurance. For us motorcyclists, it’s a genuine problem. It goes without saying, the bike, including its rider, will suffer a lot of trauma in an accident with a car or truck. Don’t let yourself wind up being stuck with damage payments for which you aren’t responsible. This is why uninsured motorist (UM/UIM) coverage is highly recommended for motorcycles and scooters. Such coverage may pay for your injuries or property damage caused by an uninsured driver or, in some situations, an unidentified motorist. In most cases it also includes coverage for underinsured motorists and at-fault drivers with too little insurance to pay your claim.