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UPDATED: Mar 13, 2020
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What is South Dakota SR22 Insurance?
A South Dakota SR22 car insurance certificate, or financial responsibility insurance form, is a document of proof that a driver is financially responsible for carrying the minimum car insurance as required by the state.
Who Needs SR22 Car Insurance?
In South Dakota, SR22 car insurance must be carried by uninsured drivers who were involved in an accident they caused that resulted in a damages or injuries for which they failed to pay compensation; drivers with unsatisfied judgments; drivers whose licenses were revoked; drivers who are under mandatory insurance supervision; and drivers with three or more mandatory insurance violation convictions on their driving record.
Are There Different Types of South Dakota SR22 Forms?
There are three types of South Dakota SR-22 car insurance forms a driver can file. Drivers who operate but do not own a vehicle should file an Operator SR-22 insurance form. Drivers who own and operate a vehicle should file an Owner SR-22 car insurance form. An Operator’s-Owner SR-22 auto insurance form should be filed to cover all vehicles that are owned or not owned by a driver.
Is SR22 Car Insurance Required in South Dakota?
Motorists in SD must carry liability insurance or file a South Dakota SR22 car insurance form with the state. Failure to do either can result in a $500 fine and suspension of your driver’s license and registration if you are stopped by a police officer during a traffic stop or accident.
How Do I File a South Dakota SR22 Car Insurance Form?
Your insurer files a SR22 with the South Dakota Secretary of State. You will be charged a processing fee, which varies among agencies. You can go (here) to request a quote from insurance agencies in your area. The South Dakota SR-22 car insurance form will be filed with the Secretary of State within 30 days. If accepted, your insurer will send you the SR22 auto insurance form along with a letter from the Secretary of State. You must maintain an SR-22 insurance filing for three years and renewed at least 45 days before the expiration date. Your insurer is required to notify the State if the SR-22 insurance form is not renewed at least 15 days before expiration, and your driving record may be suspended until your South Dakota SR22 car insurance form is reinstated.