South Dakota Motorcycle Insurance





South Dakota offers some of the best riding in the nation, from the Black Hills to the annual rally in Sturgis. But don’t be caught riding your bike uninsured. The Motorcycle Insurance Company can help you find the right policy for your bike, your budget, and your coverage needs. To get the best deal when insuring your bike, you need to compare the offerings of various insurers. We have partnered with the leading names in the industry — companies like Geico, Progressive, and others — to enable you to compare motorcycle insurance rates and policies directly from your PC. Just enter your zip code to get started.

SD Motorcycle Insurance Laws

Under South Dakota motorcycle law, your bike must be insured before you can take it on public roads. As in other states, liability coverage is mandatory.

Minimum Insurance Requirements in South Dakota

  1. Bodily Injury Liability Limit for 1 Individual: $25,000
  2. Bodily Injury Liability Limit for All Parties: $50,000
  3. Property Damage Liability Limit: $25,000

Although the rate of uninsured motorists in SD is relatively low, nearly 1 in 10 drivers (9% to be exact) do not carry insurance as they should. For this reason, uninsured motorist coverage is often recommended.

South Dakota Motorcycle Helmet Laws

According to SD motorcycle laws, riders 17 and younger must wear helmets. There are no exemptions for low-power cycles with small displacement, top speed, or horsepower. Despite the law, we at The Motorcycle Insurance Company encourage our customers to wear a helmet at all times, preferably a full-face model.