South Dakota Truck Insurance

SD License #: 10028102


Aberdeen | Brookings | Rapid City | Sioux Falls

South Dakota Commercial Truck Insurance

As the 17th largest U.S. state by area, South Dakota offers wide open spaces and loose speed restrictions ideal for trucking companies. This midwestern state sees over $4 billion worth of truck transported freight annually. From the Badlands to Mount Rushmore, trucks cruise along nearly 84,000 miles of public road carrying everything from agricultural commodities to manufactured goods. With South Dakota being home to major truck manufacturers as well, over 90,000 Class 8 trucks are registered here.

Given its central geographical location, South Dakota acts as a critical trucking hub for transport across the Midwest. Major interstates like I-90 and I-29 see significant traffic volumes from large trucks. In fact, around 27% of vehicle miles traveled on South Dakota’s primary highway system come from combination trucks. And with trucking such a vital part of the local economy, the state aims to provide an attractive regulatory climate for motor carriers.

Running trucks professionally in South Dakota still comes with risks though. Trucking companies need proper insurance coverage to protect their assets and mitigate liability following accidents or cargo loss. This is where having a knowledgeable insurance agent can make navigating risks simpler. With 50+ years experience insuring South Dakota fleets, The Insurance Store offers unmatched expertise tailoring customized coverage solutions. From small pickup fleets to large semi-trailer carriers, we partner with A+ insurers to fit policies to your unique needs.

Understanding South Dakota Trucking Insurance Coverages

In South Dakota, with a vibrant trucking sector, it's essential for transportation companies to secure comprehensive insurance for their fleets traversing the state's diverse landscapes. From fundamental liability to more extensive packages that include collision, cargo, and additional coverage, South Dakota's trucking businesses need to be well-protected as they navigate the state's varied routes, ensuring safety and security on every journey.

  • Auto Liability

    The bread and butter of truck insurance. It's there for those "oops!" moments when a mishap on the road leads to damages or injuries to someone else. Carrying sufficient auto liability insurance is essential for trucking companies operating in South Dakota to cover accidents involving bodily injury or property damage. This policy pays if one of your commercial trucks causes harm, such as a driver rear-ending another vehicle on I-90. For example, if your semi-truck driver crashes into a family SUV, seriously injuring the occupants, your auto liability coverage would pay for their medical treatment, lost wages, vehicle repairs and other damages up to your policy limits. Without adequate protection, you could be sued directly and held responsible for extensive costs. Tailored auto liability insurance gives South Dakota motor carriers’ peace of mind that an accident will not financially devastate their company.

  • Physical Damage

    Physical damage coverage is essential for protecting your vehicles operating in South Dakota against damage or theft events. It comes in two common forms - collision and comprehensive. Comprehensive coverage will pay to repair or replace your trucks and trailers if they are damaged by incidents like fire, flooding, vandalism or theft. Collision kicks in following accident-related harm. For example, if a semi-truck driver swerves to avoid hitting a deer, rolls the rig and totals the tractor - collision would pay to replace the wrecked truck minus the policy deductible. When financing trucks, most lenders also require physical damage coverage to secure their investment in the equipment. Just be sure to choose deductible levels you can comfortably afford out-of-pocket should the worst occur. The Insurance Store can guide you on structuring optimal physical damage protection.

  • Motor Truck Cargo

    Since truckers often transport freight belonging to others, having proper motor truck cargo coverage is crucial. This protects against loss or damage to the cargo itself during transit or loading/unloading. For example, say you are hauling a shipment of computers and an accident destroys the entire load. Your cargo policy would cover the cost of the computers and any additional expenses associated with the claim. Cargo coverage is also key for limiting liability if the defective shipment later causes losses further down the supply chain. As South Dakota truckers frequently haul agricultural loads, machinery, gravel and more - securing the right cargo protection ensures you can fulfill obligations to shippers.

  • Reefer Breakdown

    For truckers hauling perishable loads in South Dakota like produce, meat or medical supplies - securing reefer breakdown coverage is vital. This safeguards temperature-sensitive cargo from spoilage if the refrigeration equipment fails mechanically or from inadequate fuel. For instance, a blown reefer unit compressor could cause pharmaceuticals to be exposed to higher temps; resulting in total loss without reefer breakdown insurance. It may cover costs to dispose of spoiled cargo, any business income loss for the shipper, and liability arising from the damage. Given the prevalence of agricultural and ethanol hauling in SD, reefer coverage is key for limiting risks. The Insurance Store partners with insurers offering flexible reefer breakdown solutions.

  • Non-Owned and Trailer Interchange

    To accommodate fluctuating business levels, truckers may utilize trailers not owned by their company. Having non-owned trailer coverage handles liability and physical damage for these temporary trailers while in use. Trailer interchange kicks in when swapping equipment with other carriers. For instance, if a trucker damages a trailer borrowed from another company while operating in South Dakota, costs could quickly escalate without proper insurance. These flexible policies have your back hauling extra trailers as needed.

  • Non-Trucking Liability

    Non-trucking liability insurance, also known as deadhead coverage, provides a critical gap filler that protects South Dakota truckers when bobtailing or operating without a trailer attached. Normal liability policies only apply when a trailer is hitched for active shipping. That leaves risky gaps for deadheading to fuel stops, repositioning tractors, running local errands and more. Non-trucking liability fills those holes by extending accident protection during bobtail operation. For instance, say a trucker T-bones another vehicle at an intersection while driving their tractor to a repair shop. Their standard liability insurance would not apply since no cargo was hauled. But non-trucking liability would kick in to cover injuries, vehicle damage, and associated claims for the at-fault accident. No transporter in South Dakota should hit state roads without non-trucking liability shielding risks when trailer-free.

  • Excess Liability

    Carrying higher excess liability limits beyond standard auto liability coverage is crucial when operating trucks in South Dakota. Excess liability essentially provides an umbrella layer that kicks in once underlying policy limits are exhausted following an accident. For example, say a truck driver crashes into a family van resulting in severe injuries to multiple passengers. If the injuries and vehicle damage exceed the $1 million primary liability limit and drain it dry, the excess coverage then applies to cover amounts above that threshold up to its own limit. This prevents truckers being personally exposed for settlement costs not handled by primary policies in worst-case scenarios. Given South Dakota's rural roads and variable weather risks, excess layers worth $1-5 million or more help ensure adequate protection for transporters. The Insurance Store partners with top insurers to stack flexible excess for complete coverage.

  • Workers Compensation

    South Dakota statutes mandate that all trucking employers provide workers' compensation benefits for their employees - including independent owner-operators leased to a carrier. This covers lost wages, medical treatment, rehabilitation services and death benefits for work-related injuries or illnesses. For example, if a driver suffers severe injuries in an on-duty rollover crash, workers' comp would cover their hospital bills, physical therapy costs and provide partial income replacement during recovery time unable to work. Without this coverage, employees could sue the at-fault motor carrier resulting in major liability. Trucking companies failing to carry South Dakota workers' compensation for staff truckers face stiff fines and legal exposure - that's why securing proper coverage limits is crucial from day one.

  • Occupational Accident

    As an owner operator truck driver in South Dakota, it's important to have occupational accident coverage in case you are injured on the job. This type of insurance provides benefits if you suffer an injury from an accident while working, such as if you were in a truck crash or slip and fall while loading/unloading your truck. Occupational accident policies pay for medical treatment and partially replace lost wages if your injury prevents you from working. For example, if you break your leg in a trucking accident and cannot drive for 3 months, this policy would help cover a portion of the income you lose from not being able to work. Having this coverage brings peace of mind that you will have some financial assistance if an unexpected injury ever takes you off the road.

  • General Liability

    In the expansive terrain of South Dakota, commercial truckers are the veins, pumping life and commerce through the state. But with the daily grind comes a multitude of exposures beyond just on-road incidents. Obtaining comprehensive truckers' general liability insurance is highly advised for motor carriers in South Dakota seeking protection against third-party injury and property damage claims stemming from their business operations. This policy covers expenses if someone is injured on your premises or due to your company's negligence. For instance, if a customer slips on ice in your terminal parking lot and fractures their wrist, general liability would pay for their medical treatment and lost income.

Why Choose The Insurance Store for Truck Insurance in South Dakota?

With half a century under our belt, The Insurance Store stands out in the South Dakota trucking insurance landscape. Our family-oriented approach ensures that each trucker is treated with the care and respect of a family member. We collaborate with top-tier, A+ rated insurance providers to guarantee comprehensive coverage. Plus, with our innovative TIS24 app, managing your insurance becomes effortless. Whether you're in Brookings or on the road, accessing your insurance certificate is just a tap away!

Insurance for Your Operations in the Mount Rushmore State

From box trucks to flatbeds, tankers to dump trucks – whatever you're driving, TIS has the perfect insurance fit. Tailored, specialized, and personalized – ensuring you're always road-ready.

Our South Dakota truck insurance programs cover rigs of all sizes and specialties:

Get Assistance with your South Dakota Truck Permits & Filings

Let’s face it, permits and filings can be trickier than maneuvering a semi on a snowy day. But with our dedicated permits division, you can leave the bureaucratic maze to us and focus on the open road.

Serving the Dakotas and Beyond!

Crossing borders? Whether you're venturing into Nebraska, Wyoming, Montana, North Dakota, or Minnesota, we've got you covered. Our extensive network ensures that whether you're in Sioux Falls or Fargo, we’re there with you.

Get a Quote for South Dakota Truck Insurance

To all the truckers crisscrossing the beautiful plains of South Dakota, remember, TIS is your trusted co-driver. Ready to steer your insurance needs the right way? Give our friendly team a ring at 888-570-3130 or request a quote. Happy trucking!

South Dakota Truck Insurance Quote

Here is what Our Happy Customers have to say

I’m an Owner Operator in commercial trucking field. My insurance was up after 1 year. I felt like this previous company misquoted and had me paying extremely high. My brother referred me to Kelli Clerisse and she was relentless and the best!!! She got me an insurance $5,000 cheaper and was very professional and moved really quick and got it done. If she said today, she meant it. She never disappeared on me THANKS KELLI!!!!
Mussie Fikre

Erin was a GREAT help she helped me with everything I needed. If I had to rate my experience with Erin I would give her 10/10 Thank you
Todd K.

All the staff are friendly, responsive and informative. They work well as a team, helping you in any way they can. That's what's important to me and my company. Erin thank you and the staff for your support.
K-Line Trucking