Winslow Arizona, Car Insurance Writer
Drivers need SR-22 insurance in South Dakota after being convicted of a serious traffic violation, such as reckless driving or DUI. These drivers are considered “high risk” and are required to file an SR-22 certificate with the state to prove they have at least the minimum amount of car insurance required by South Dakota law. Drivers in South Dakota must maintain their SR-22 filing for 3 years.
Your first speeding ticket won’t necessarily guarantee that you need an SR-22. South Dakota only requires an SR-22 for specific traffic offenses, or accidents that cost more than a certain dollar amount.
Drivers in South Dakota Need SR-22 Insurance After:
- Driving without insurance
- DUI or DWI conviction
- Reckless driving
- Refusing a breathalyzer
- Repeated traffic violations
- At-fault accident causing injuries or death
Since each of these violations is serious, insurance companies consider drivers who need an SR-22 to be high-risk customers. That means if you are required to buy SR-22 coverage, insurance companies will charge you more in premiums to offset what they see as the added risk of covering you.
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