SR-22 · South Dakota · Updated 2026-10-18

SR-22 insurance in South Dakota

What South Dakota requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in South Dakota write the policies that carry it, from the state's own pages and the insurance company directory.

South Dakota uses the SR-22 filing. Who needs it: Drivers revoked or suspended after a judgment, a no-insurance conviction, false insurance evidence, vehicular homicide, DUI, or a second reckless driving offense within one year. How long: 3 years from the conviction date; release is on request with a clean 3-year record. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 98 companies write personal auto in South Dakota; the ones used to filings are tagged below.

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By Sam Alishahi, independent insurance broker · Every state

The rule

What South Dakota requires

From South Dakota Department of Public Safety, Driver Licensing; sources at the bottom.

Filing	SR-22
Who needs it	Drivers revoked or suspended after a judgment, a no-insurance conviction, false insurance evidence, vehicular homicide, DUI, or a second reckless driving offense within one year.
How long	3 years from the conviction date; release is on request with a clean 3-year record.
State fees	No state SR-22 filing fee. Reinstatement fees: $75 to $225 depending on the offense, plus a $38 license application fee.
Non-owner filing	Accepted by statute: an operator's policy covers vehicles you don't own. An owner may give proof for an employee or household member. The DPS page doesn't mention it.
How it's filed	Your South Dakota-authorized insurer files a written certificate with the Department of Public Safety. Bonds, deposits or self-insurance are alternatives. Electronic: not stated.
If the policy cancels	Your insurer must notify DPS within 15 days of cancellation, and DPS suspends your license, registration and plates until new proof is filed. Whether the 3 years restart: not stated.
Minimum liability limits	25/50/25 (bodily injury per person / per accident / property damage)
Who handles it	South Dakota Department of Public Safety, Driver Licensing

You must have proof on file before driving or re-registering any vehicle, including during a restricted-privilege period after a no-insurance conviction.

Who writes it

Companies that write personal auto in South Dakota

Ranked by direct premium written in South Dakota, every company, from the regulator's market share report. Share is the company's part of the state's personal auto premium. Companies tagged non-standard take drivers with a DUI, a suspension or a lapse as their normal business and file the certificate routinely.

Non-standard writers here: Progressive Northern Insurance Company, Progressive Direct Insurance Company, Bristol West Insurance Company, Permanent General Assurance Corporation, Foremost Insurance Company Grand Rapids, Michigan, American National General Insurance Company, National General Assurance Company, Dairyland Insurance Company.

#	Company	Share of South Dakota personal auto (2025)	Note
1	State Farm Mutual Automobile Insurance Company	19.5%	—
2	Progressive Northern Insurance Company	13.5%	Non-standard auto writer
3	Progressive Direct Insurance Company	10.1%	Non-standard auto writer
4	FMNE Insurance Company	5.5%	—
5	American Family Insurance Company	4.8%	—
6	North Star Mutual Insurance Company	3.8%	—
7	De Smet Ins Co Of SD	3.3%	—
8	Auto-Owners Insurance Company	3.1%	—
9	Farm Bureau Property & Casualty Insurance Company	2.7%	—
10	American Family Mutual Insurance Company, S.I.	2.7%	—
11	Mid-Century Insurance Company	2.4%	—
12	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact	1.7%	—
13	American West Insurance Company	1.6%	—
14	GEICO General Insurance Company	1.5%	—
15	USAA General Indemnity Company	1.4%	—
16	Safeco Insurance Company of America	1.4%	—
17	Nationwide Mutual Insurance Company	1.2%	—
18	GEICO Indemnity Company	1.1%	—
19	Nationwide Property and Casualty Insurance Company	1.1%	—
20	Viking Insurance Company of Wisconsin	1.1%	—
21	USAA Casualty Insurance Company	1.0%	—
22	State Farm Fire and Casualty Company	0.9%	—
23	Wadena Insurance Company	0.9%	—
24	Allstate Insurance Company	0.8%	—
25	Center Mut Ins Co	0.6%	—
26	Pioneer Specialty Insurance Company	0.6%	—
27	Standard Fire Insurance Company (The)	0.6%	—
28	Western Agricultural Insurance Company	0.5%	—
29	Northwest Gf Mut Ins Co	0.5%	—
30	CSAA FIRE \u0026 CASUALTY INSURANCE COMPANY	0.5%	—
31	Garrison Property and Casualty Insurance Company	0.5%	—
32	Government Employees Insurance Company	0.5%	—
33	Farmers Insurance Exchange	0.5%	—
34	Bristol West Insurance Company	0.5%	Non-standard auto writer
35	Allstate North American Insurance Company	0.5%	—
36	Farmers Alliance Mutual Insurance Company	0.4%	—
37	Integon National Insurance Company	0.4%	—
38	Grinnell Select Insurance Company	0.4%	—
39	Grinnell Compass, Inc.	0.4%	—
40	Encompass Insurance Company	0.4%	—

Largest personal auto groups in South Dakota (2025)

#	Insurer group	Share
1	Progressive Group	23.6%
2	State Farm Group	20.4%
3	American Family Ins Group	7.7%
4	Fmne Ins Co	5.5%
5	United Serv Automobile Assn Group	4.7%
6	North Star Co Group	3.8%
7	Farmers Ins Group	3.7%
8	Berkshire Hathaway Group	3.3%
9	Goodville Mut Group	3.3%
10	Iowa Farm Bureau Group	3.2%

How to get it today

Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.

I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Questions people ask

How long do I need an SR-22 in South Dakota?

3 years from the conviction date; release is on request with a clean 3-year record.

Who needs an SR-22 in South Dakota?

Drivers revoked or suspended after a judgment, a no-insurance conviction, false insurance evidence, vehicular homicide, DUI, or a second reckless driving offense within one year.

Can I get a non-owner SR-22 in South Dakota?

Accepted by statute: an operator's policy covers vehicles you don't own. An owner may give proof for an employee or household member. The DPS page doesn't mention it.

What happens if my policy cancels during the SR-22 period?

Your insurer must notify DPS within 15 days of cancellation, and DPS suspends your license, registration and plates until new proof is filed. Whether the 3 years restart: not stated.

Sources

Facts are from the state's official pages on the date shown and can change; the state's page controls. Company lists come from the insurance company directory.

Need the filing this week?

Send it once. It gets filed.

A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.

Get a Quote Call (877) 711-4545

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