--- title: "Commercial Auto Insurance in South Dakota" description: "South Dakota’s motor-vehicle policy rules pair state minimum liability with required uninsured-motorist bodily-injury coverage for covered vehicles." canonical: "https://spot.insure/coverage/commercial-auto/south-dakota" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-auto/south-dakota) # Commercial Auto Insurance in South Dakota South Dakota financial-responsibility limits are $25,000/$50,000/$25,000. A liability policy for a vehicle registered or principally garaged in South Dakota must also include uninsured-motorist bodily-injury coverage, generally matched to the liability limits up to $100,000 per person and $300,000 per crash unless the insured requests more.[^3][^2] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [South Dakota](/coverage/states/south-dakota) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## South Dakota Requirements | Requirement | Details | | --- | --- | | Financial-responsibility liability limits | $25,000 / $50,000 bodily injury; $25,000 property damage[^1] | ## What to Watch for in South Dakota ### UM Follows the Liability Limits up to a Statutory Cap South Dakota requires uninsured-motorist bodily-injury coverage for covered registered or principally garaged vehicles, generally at the policy’s bodily-injury limits up to $100,000 per person and $300,000 per accident unless the insured requests additional coverage. Confirm the fleet’s schedule and chosen limit.[^2] ### Keep Vehicle Proof Available The South Dakota Insurance Division says a person who licenses or operates a motor vehicle must show proof of financial responsibility. Keep current evidence with each work vehicle and confirm newly registered or replacement units appear on the policy.[^1] ### Check Whether an Alternative Counts as Proof South Dakota law permits specified proof methods, including a self-insurance certificate for an eligible owner. If the business relies on self-insurance or another filing instead of an ordinary fleet policy, verify the state certificate and the obligation it covers.[^3] ## Who Regulates Insurance in South Dakota **South Dakota Division of Insurance.** The South Dakota Division of Insurance regulates insurance companies and producers and publishes tools to verify producer and company licenses. It accepts complaints about insurers, HMOs, producers, adjusters, and other licensed or registered insurance entities.[^4][^5][^6] - [Regulator website](https://dlr.sd.gov/insurance/) - [License lookup](https://dlr.sd.gov/insurance/license_inquiry_service.aspx) - [File a complaint](https://dlr.sd.gov/insurance/doi_complaint.aspx) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.5% of premium; commercial property adds 0.175% fire tax, inland marine 0.075%; no stamping fee South Dakota adds 2.5% surplus-lines tax; its current chart lists an additional fire tax of 0.175% for commercial property and 0.075% for commercial inland marine, none for commercial liability, and no stamping fee. The Division directs surplus-lines brokers to report and remit through SLIP+ within 30 days; ask your broker to confirm which policy-specific disclosures apply.[^7][^8] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in South Dakota; [check the regulator’s license lookup](https://dlr.sd.gov/insurance/license_inquiry_service.aspx) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^11] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^14] ## Questions to Ask Before You Buy in South Dakota 1. Does our South Dakota commercial policy include UM, or is there a written rejection signed by the named insured? 2. What proof should drivers carry for each licensed fleet vehicle, including recently added units? 3. If we rely on self-insurance, what South Dakota certificate confirms that the company qualifies? ## Commercial Auto in South Dakota: FAQ ### What liability limits does South Dakota require? The South Dakota Insurance Division lists $25,000 bodily injury per person, $50,000 per crash, and $25,000 property damage as the minimum liability amounts.[^1] ### How much uninsured-motorist coverage does South Dakota require? A liability policy for a vehicle registered or principally garaged in South Dakota must include uninsured-motorist bodily-injury coverage, generally at the policy’s liability limits up to $100,000 per person and $300,000 per crash unless the insured requests more.[^2] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Alaska](/coverage/commercial-auto/alaska) - [Arizona](/coverage/commercial-auto/arizona) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Idaho](/coverage/commercial-auto/idaho) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kansas](/coverage/commercial-auto/kansas) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Jersey](/coverage/commercial-auto/new-jersey) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Vermont](/coverage/commercial-auto/vermont) - [Virginia](/coverage/commercial-auto/virginia) - [Washington](/coverage/commercial-auto/washington) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in South Dakota](/coverage/states/south-dakota) ## Sources [^1]: [Automobile Insurance Consumer Information](https://dlr.sd.gov/insurance/general_guidance/auto.aspx) — South Dakota Division of Insurance; Current consumer guidance: mandatory financial-responsibility proof for persons licensing/operating vehicles; minimum liability amounts and commercial policy section; accessed 2026-09-28. Accessed 2026-09-28. [^2]: [South Dakota Codified Laws, Chapter 58-11, Form and Contents of Insurance Policies](https://sdlegislature.gov/api/Statutes/58-11.html?all=true) — South Dakota Legislature; §58-11-9: UM bodily injury included for liability policies on vehicles registered/principally garaged in SD, limit follows policy BI but capped at $100,000/person and $300,000/accident unless insured requests additional; current codification accessed 2026-09-28. Accessed 2026-09-28. [^3]: [South Dakota Codified Laws, Chapter 32-35, Financial Responsibility](https://sdlegislature.gov/api/Statutes/32-35.html?all=true) — South Dakota Legislature; §32-35-70 liability limits; §§32-35-90–91 self-insurance certificate and qualifications; current code retrieved 2026-09-28. Accessed 2026-09-28. [^4]: [south-dakota insurance regulator](https://dlr.sd.gov/insurance/) — State insurance regulator; Division home sets out public consumer, producer, complaint, licensure and company resources.. Accessed 2026-09-28. [^5]: [South Dakota Division of Insurance](https://dlr.sd.gov/insurance/) — State insurance regulator; Public state portal links to verify producer or company licensure; lookup route is part of the official division page.. Accessed 2026-09-28. [^6]: [Filing a Complaint and Your Rights](https://dlr.sd.gov/insurance/doi_complaint.aspx) — State insurance regulator; Complaint eligibility covers licensed/registered insurer, HMO, producer, adjuster, and other insurance entities.. Accessed 2026-09-28. [^7]: [South Dakota Tax Rates for Surplus Lines Clearinghouse Coverage Codes](https://dlr.sd.gov/insurance/surplus_lines/documents/single_state_surplus_lines_policies.pdf) — South Dakota Division of Insurance; PDF revised May 2025, p. 1: 2.5% base tax, coverage-specific fire percentages, stamping fee/assessment none; line tables distinguish liability, property, and inland marine.. Accessed 2026-09-28. [^8]: [Surplus Lines Forms and Information](https://dlr.sd.gov/insurance/surplus_lines.aspx) — South Dakota Division of Insurance; Single-state tax reporting and remittance through SLIP+ within 30 days; current page reviewed.. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^13]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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