South Dakota SR-22 Insurance
South Dakota requires SR-22 insurance if you're convicted of DUI, caught driving without insurance, or have committed significant traffic infractions.
Providing Proof of Financial Responsibility in South Dakota
The South Dakota Department of Public Safety requires motorists proof of future financial responsibility through an SR-22 insurance filing if their license is suspended or revoked due to:
- A judgment
- A conviction for no insurance
- Vehicular homicide
- Driving Under the Influence
- Second offense reckless driving in a one-year period
Drivers must maintain an SR-22 certificate of insurance on file for at least three (3) years from the date of eligibility for reinstatement. Failure to maintain proof of financial responsibility can result in a criminal conviction and a license suspension. Furthermore, the Department of Public Safety will suspend your vehicle registration and license plates.
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South Dakota Mandatory Auto Insurance Coverage
As with most states, South Dakota requires drivers to carry mandatory minimum liability coverage. The mandatory coverage under state law is:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
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South Dakota Impaired Driving Laws
Driving Under the Influence (DUI) in South Dakota is punished harshly under state law. While the legal blood alcohol concentration level is 0.08 percent, you can be charged with a DUI at under that limit. According to the Department of Public Safety, “If it is evident that alcohol consumption rendered a driver incapable of driving safely, the driver can be charged with driving under the influence of alcohol.” Additionally, you can be charged with a DUI even if you are not driving the vehicle. The state must show that a motorist was in "actual physical control" of the vehicle, not that they were driving.
Penalties for a first offense DUI include a license revocation, fees, alcohol testing, jail time, and completion of an alcohol education program. With the filing of an SR22 (proof of financial responsibility), the court may permit a DUI offender to obtain a restricted or hardship license. Furthermore, the court, within its discretion, may order a person convicted of drunk driving to install an ignition interlock device (IID).
What Happens if I Get a DUI in South Dakota?
First Offense
- Jail time : Up to 1 year
- Fines : Up to $2,000
- Driver's License Suspension : 30 days to 1 year
Second Offense
- Jail time : Up to 1 year
- Fines : Up to $2,000
- Driver's License Suspension : At least 1 year
Third Offense
- Jail time : Up to 2 years
- Fines : Up to $4,000
- Driver's License Suspension : At least 1 year
Fourth Offense
- Jail time : Up to 5 years
- Fines : Up to $10,000
- Driver's License Suspension : At least 2 years
Fifth Offense
- Jail time :Up to 10 years
- Fines : Up to $20,000
- Driver's License Suspension : At least 3 years
FAQs About SR-22 in South Dakota
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Get Your License Back with Breathe Easy Insurance
Breathe Easy Insurance offers affordable SR22 insurance in South Dakota and throughout the country. Contact our knowledgeable agents today for a free SR22 quote and to determine the steps necessary to get your driving privileges reinstated. Our staff is available 24 hours a day, 7 days a week to assist. Call Breathe Easy today a 844-580-7525 to find out how we can help.
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