If an SR-22 is required in order for you to get car insurance in South Dakota, you're not alone. This relatively common insurance requirement is sometimes necessary after a driving citation like a DUI/DWI, a ticket for driving without proof of insurance, an at-fault accident, a ticket for driving with a suspended license, or accumulating too many points on your license.
Getting inexpensive insurance with a SR-22 in South Dakota might require some effort, but it never hurts to try. We examined how much a SR-22 costs in South Dakota and how to get one — let's dive into the details.
How much should you expect to pay for an SR-22 in South Dakota?
Insurance with an SR-22 in South Dakota tends to be expensive. This isn't a direct result of the SR-22 — filing fees might be just $15-$35 — but thanks to the insurance premium increases initiated by the offense that necessitated the SR-22 to begin with.
Auto insurance companies charge high-risk drivers more expensive rates to account for the increased risk of having to pay out a claim after a crash. The rate hike you’ll receive depends on the number and severity of infractions — listed below are average insurance premiums with an SR-22 in South Dakota.
SOUTH DAKOTA INSURANCE RATES AFTER COMMON CITATIONS
| High-risk rating factor | Average yearly rate | Increase vs. no violations |
| No citations | $1,708 | — |
| At-fault crash (>$2,000) | $2,226 | $517 |
| Speeding (21-25 mph > limit) | $2,117 | $409 |
| Reckless driving | $2,397 | $688 |
| Racing | $2,338 | $629 |
| Hit-and-run | $2,466 | $758 |
| DUI/DWI | $2,347 | $639 |
If you need cheap auto insurance with a SR-22 certificate, we're here to help. Enter your ZIP code below to get personalized auto coverage rates from leading companies.
How to easily get an SR-22 in South Dakota
For currently insured drivers
If you already have auto insurance, obtaining an SR-22 certificate shouldn't be too difficult. Just call your car insurance company ask the company to file a 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
When applying for a new policy, 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.Don't own a car?
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.For drivers without a vehicle
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.Methodology
we conducted in-depth pricing analysis using our proprietary quote engine, including data from insurance rating platforms and public rate filings. The Zebra analyzed nearly 53 million rates to identify trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.
Learn more about SR-22 certificate requirements and their effect on auto insurance rates.
