Auto Insurance with an SR-22 in South Dakota

The Zebra
Nov. 16, 2018

If you need an SR-22 to get car insurance in South Dakota, you're not the only one. This relatively common insurance requirement is often needed after a driving citation like a DUI/DWI, a citation for driving without insurance, an at-fault collision, driving with a suspended license, or piling up excessive points on your license.

Finding cheap insurance with an SR-22 in South Dakota might require some effort, but it could pay off in the end. We explored how much a South Dakota SR-22 certificate might cost and how to request one — let’s dive in.

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How much should you expect to pay for an SR-22 in South Dakota?

Auto insurance with an SR-22 in South Dakota is usually expensive. This isn't a direct cost of the certificate — filing fees are usually $15 to $35 — but because of the insurance cost increases initiated by the driving violation that necessitated the SR-22.

Insurance companies charge higher-risk drivers increased rates to account for the increased risk of having to pay out a claim after an accident. The rate increase you could face will depend on the number and severity of your violations — below are average insurance premiums for motorists with SR-22s in South Dakota.

High-risk rating factorAverage yearly rateIncrease vs. no violations
No citations$1,268.69
At-fault collision (>$2,000)$2,111.00$842.31
Speeding (21-25 mph > limit)$1,562.66$293.97
Reckless driving$1,918.52$649.83
Leaving the scene$2,134.39$865.70

If you'd like to find affordable auto insurance after getting an SR-22 certificate, The Zebra is here to help. Enter your ZIP to find personalized auto coverage quotes from respected companies.

How to easily get an SR-22 in South Dakota

For currently insured drivers:

If you currently have auto insurance, getting an SR-22 certificate is straightforward. Just call your insurance company and ask them to file an SR-22 request on your behalf. If your current insurer isn’t willing to request an SR-22 certificate, you'll need to look for a new insurer.

For uninsured drivers:

When applying for a new policy, you might need to pay extra for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 could disqualify you from being insured by some carriers, while others would be happy to sell you a policy.

If you aren't a vehicle owner:

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to get the certificate. In this scenario, you should get a non-owners car insurance policy before requesting a certificate. Non-owners auto insurance should be less costly than traditional coverage since it won’t provide protection for physical damages to your car.


From September to December 2017, The Zebra conducted comprehensive analysis using its proprietary insurance quote engine, comprising data from rating systems and public rate filings. The Zebra examined almost 53 million rates to identify trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.