South Dakota motorcycle insurance

Q: What's the best motorcycle insurance in South Dakota?

One in three insured motorcycle riders choose Progressive. ** Whether you ride East River or West River, the best motorcycle insurance in South Dakota features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in South Dakota for bikers without sacrificing the protection you value and the peace of mind you need to ride.

South Dakota is synonymous with motorcycles as home to the world-famous Sturgis Motorcycle Rally, a 10-day spectacle that attracts more than 500,000 riders every year. Bikers at Sturgis and throughout South Dakota can depend on Progressive for personalized protection at an affordable cost. From cost information to coverages, learn about motorcycle insurance in South Dakota.

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What are the minimum requirements for motorcycle insurance in South Dakota?

South Dakota's motorcycle insurance law requires all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won't cover damage to your own bike but may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries caused by an at-fault motorist with no insurance or not enough coverage	Minimum amount$25,000 per person $50,000 per accident

South Dakota also mandates medical payments, wage loss, and accidental death coverages, but you may reject or lower these coverages by submitting a signed form.

Do you need comprehensive and collision coverage?

Unless you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are optional. But we understand the financial and emotional investment that many motorcycle owners have put into their bikes, and you may want to protect that investment from physical damage even if your motorcycle is paid off. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in South Dakota?

In 2023, the annual cost for a Progressive motorcycle insurance policy in South Dakota with liability coverage only was $157.07.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in South Dakota?

One in three insured motorcycle riders choose Progressive.^** Whether you ride East River or West River, the best motorcycle insurance in South Dakota features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in South Dakota for bikers without sacrificing the protection you value and the peace of mind you need to ride.

You can decrease the cost of motorcycle insurance in South Dakota with motorcycle insurance discounts, such as:

Multi-policy discount
Harley-Davidson Owner Group (HOG) association discount
Motorcycle license/endorsement discount
Safety course discount
Responsible driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in South Dakota

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in South Dakota

According to South Dakota motorcycle laws, helmets are only required for operators and passengers under the age of 18.
In South Dakota, you can obtain a motorcycle license as early as 16 years of age if you meet the requirements of an instruction permit; avoid a traffic violation for the six months prior to applying; and pass a vision, knowledge, and motorcycle driving tests.
Lane splitting is illegal in South Dakota. Motorcycles are allowed to ride two abreast in a single lane.