There are a number of factors that make South Dakota's auto and homeowner's insurance unique to South Dakota.

South Dakota Auto Insurance

South Dakota's financial responsiblity law requires drivers to maintain 25/50/25 liability coverage. This means that the driver must carry $25,000 worth of per person bodily injury coverage, $50,000 worth of per accident bodily injury coverage, and $25,000 worth of property damage coverage.

Moreover, South Dakota is a "fault" state. Thus, you must be at fault in order for your insurance to pay for an accident. "No-fault" states are just the opposite; your insurance company is obligated to pay even if you were not at fault.

South Dakota Homeowner's Insurance

Homeowner's insurance can be expensive in South Dakota. Government statistics show that South Dakota ranks number 42 out of all states for the cost of homeowner's insurance. This makes is particularly important that homeowners in South Dakota receive the best price possible on homeowner's insurance.