Commercial Truck Insurance
South Dakota
Protecting freight from the Black Hills to the Badlands
Whether the load rolls along I-90 through Sioux Falls, hauls livestock out of Rapid City, or pulls grain from Huron elevators, GIA Group, LLC builds trucking policies that satisfy every FMCSA rule and South Dakota Department of Public Safety (DPS) Motor Carrier Division insurance filing.
Success Stories
Client case | Price per truck |
|---|---|
Fleet 30+ units, liability, and cargo | $13,100 |
New venture, fleet, liability, cargo, and trailer interchange | $13,250 |
Coverage
Who needs it
Serving South Dakota truckers of all types
Owner-operators – Leased-on or running under their own authority
New ventures – DOT/MC setup, IRP plates and Unified Carrier Registration help
Small & mid-size fleets – 1–50 power units, local or long-haul
Large fleets – 50+ units; dedicated safety-data reviews and telematics credits
Agriculture & livestock haulers – Hoppers, pots and bullracks moving corn, soy and cattle
Flatbed & heavy-haul – Machinery, wind-tower and oversize loads with high limit needs
Reefer & food-grade operators – Temperature-controlled loads out of eastern SD food plants
Our advantages
Requirements
South Dakota insurance & filing requirements
Liability limits
$750 K general freight
$1 M oil
$5 M placarded HM (49 CFR § 387 adopted by SD DPS, 2024 update)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods movers) filed by insurer with SD DPS Motor Carrier Services.
Interstate proof — BMC-91X / MCS-90 must be on record with FMCSA before authority activation.
Unified carrier registration — Required for all interstate fleets operating through SD (2025 schedule).
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual coverage limits and filing obligations may vary by cargo type, operation radius, or regulatory changes. Carriers should verify current requirements with the FMCSA, South Dakota Department of Transportation, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in South Dakota?
Most carriers pay $8,000 – $16,000 per tractor per year. Premiums trend lower on rural intrastate lanes and higher on long-haul or haz-mat routes. GIA shops several markets to secure the right blend of rate and protection.
Facts
Service area
Truck insurance across the South Dakota state
GIA Group, LLC supports carriers statewide — from Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown, Mitchell, Pierre, Huron, Yankton — with coverage for lanes along I-90, I-29, US-81, US-83, and US-14. We work with intrastate and interstate operations moving freight across SD–ND/NE/WY/MN/IA corridors, including ag and livestock, reefer, flatbed, bulk/ethanol, and specialized/heavy haul serving grain elevators, processing plants, rail ramps, and distribution hubs.
COIs and filings are tuned to shipper requirements and seasonal swings so trucks keep moving year-round.
