Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In South Dakota, as in most states, drivers are required to carry a minimum amount of auto insurance. This typically includes bodily injury liability coverage, which covers costs associated with injuries to others for which the insured driver is responsible, and property damage liability coverage, which pays for damage to another person's property resulting from an accident caused by the insured driver. The minimum coverage amounts in South Dakota are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Insurance premiums can be significantly affected by a driver's record. Traffic violations such as speeding can increase insurance rates, while more severe infractions like DUI/DWI or hit-and-run can lead to even higher premiums. Drivers in South Dakota who have received traffic citations or have been charged with offenses that could impact their insurance rates may benefit from consulting with an attorney who specializes in traffic law to potentially mitigate the consequences on their insurance costs and driving record.