Semi truck on an open highway
Truck insurance · South Dakota

Truck insurance in South Dakota

What South Dakota requires of trucks that stay in the state, what the federal rules add once you cross a state line, and the coverages brokers and shippers will ask a South Dakota carrier for. Every state rule below links to its official source.

By Sam Alishahi · Reviewed October 2026

South Dakota at a glance

USDOT number for in-state trucks: not required by the state · State operating authority: yes, see below · State insurance minimums: yes, see below · UCR participant: yes · State trucking taxes or permits: Oversize/overweight permits (SD Highway Patrol), Commercial vehicle registration, IFTA through the Department of Revenue.

What South Dakota requires of trucking companies

  • USDOT number for trucks that stay in South DakotaSouth Dakota is not on FMCSA's list of states that require a USDOT number for carriers operating only within the state. Carriers that cross state lines, or haul placardable hazardous materials, still need one under federal rules. Source
  • South Dakota operating authoritySouth Dakota's Motor Carrier Handbook lists operating authority, IFTA and UCR as credentials for interstate operators only; carriers operating solely within the state need South Dakota vehicle registration and proof of insurance, and no state operating authority is listed. Source
  • Insurance minimums for intrastate carriersEvery commercial vehicle operator in South Dakota must carry a South Dakota evidence of motor vehicle liability insurance card from an insurer authorized in the state, showing the registrant's name and the VIN or the words "Fleet Insured". Source

Once a South Dakota truck crosses a state line

Federal rules add a USDOT number, MC authority and a $750,000 minimum for general freight (details). South Dakota is a UCR participating state.

South Dakota trucking taxes and permits

  • Oversize/overweight permits (SD Highway Patrol)The South Dakota Highway Patrol's Motor Carrier Services issues oversize and overweight permits through the online SD Automated Permitting System (sdtruckinfo.sd.gov), and permitted vehicles must carry liability insurance of at least $100,000 per person, $300,000 per accident and $100,000 property damage. Source
  • Commercial vehicle registrationSouth Dakota requires commercial registration, with fees based on gross vehicle weight, for vehicles used for hire or hauling more than 500 pounds of business property, and the cab card must be carried in the vehicle. Source
  • IFTA through the Department of RevenueSouth Dakota-based interstate carriers license for IFTA through the Motor Fuel Section of the Department of Revenue's Motor Vehicle Division, and carriers without an IFTA license must buy a single-trip permit to run an IFTA-qualified vehicle in the state. Source

Workers’ comp for South Dakota trucking companies

South Dakota does not legally require employers to carry workers' compensation insurance, though an employer without it can be sued directly by an injured worker; most employers buy a policy or qualify to self-insure. Truck owner-operators certified by the Department of Labor and Regulation as independent contractors are excluded from coverage. Source

Where South Dakota trucks run

I-90 (east-west) and I-29 (north-south) are the main truck corridors, meeting at Sioux Falls, the state's largest distribution hub, with Rapid City serving the Black Hills and western half of the state. The busiest freight markets include Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown and Mitchell.

Freight is heavily agricultural (grain, livestock, ethanol and farm inputs), so seasonal harvest hauling and long rural runs shape exposure; carriers registering UCR can use South Dakota as their base state.

South Dakota trucking by the numbers

South Dakota trucking, from FMCSA and FEMA records
MeasureSouth DakotaRank among the statesDetail
New for-hire carriers (October 2025 to September 2026)286#46 of 51+32.4% from the year before; 57% started with a single power unit.
Deaths in truck crashes, 202424#44 of 5122 fatal crashes among 481 reportable truck crashes; 196 deaths 2016–2025 (2025 preliminary).
Vehicles placed out of service at roadside inspections, 202530.2%#14 of 4929,614 inspections; drivers out of service 3.7% (US: vehicles 22.3%, drivers 6.1%).
Trucking companies that lost operating authority, 2025161#43 of 5112 more suspended for cancelled insurance under Motus since June 2026.
Federal major disaster declarations since 200044#10 (tied) of 51Most often for severe storm, flood.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Common questions

Do I need a USDOT number for intrastate trucking in South Dakota?

South Dakota is not on FMCSA's list of states that require a USDOT number for carriers operating only within the state. Carriers that cross state lines, or haul placardable hazardous materials, still need one under federal rules.

What insurance does South Dakota require for intrastate trucking?

Every commercial vehicle operator in South Dakota must carry a South Dakota evidence of motor vehicle liability insurance card from an insurer authorized in the state, showing the registrant's name and the VIN or the words "Fleet Insured".

Is workers’ comp required for a trucking company in South Dakota?

South Dakota does not legally require employers to carry workers' compensation insurance, though an employer without it can be sued directly by an injured worker; most employers buy a policy or qualify to self-insure. Truck owner-operators certified by the Department of Labor and Regulation as independent contractors are excluded from coverage.

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

South Dakota trucking

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Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

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