How much does trucking insurance cost in South Dakota?

South Dakota Trucking Insurance Requirements

Insurance requirements and costs for trucking in South Dakota.

Minimum Liability and Coverage

South Dakota follows federal minimums: $750,000 for general freight, $1 million for hazmat. For intrastate carriers, the PUC requires $750,000. South Dakota follows a modified comparative fault system (slight fault bar). Total annual insurance for a South Dakota owner-operator runs $8,000-$14,000 — among the lowest nationally. Primary liability averages $5,500-$10,000. The state's very low population density, rural courts, and minimal litigation produce the most favorable insurance environment in the northern plains. Workers' comp is required for all employers — premiums average $7-$11 per $100 of payroll.

FAQs — South Dakota Trucking Insurance

Primary liability averages $5,500-$10,000 annually — among the lowest nationally. Total insurance runs $8,000-$14,000. South Dakota's very rural character, minimal litigation, and low population density produce some of the nation's most affordable trucking insurance rates.