South Dakota: Insurance and financial responsibility Practice Test
Proof of insurance, the SR22 filing, and what happens when you cannot show financial responsibility.
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Questions are original and based on the official manual "South Dakota Driver License Manual" (Revised 11/2024), South Dakota Department of Public Safety.
All 20 questions in this practice test
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Which court outcome after a crash can cost you your South Dakota driver license?
- Buying a new vehicle from a licensed dealer
- Changing your name after a marriage or divorce
- Failing to settle a judgment for accident damages
- Taking an approved defensive driving course
Show answer
Correct answer: Failing to settle a judgment for accident damages
Not settling a judgment for accident damages is a listed reason for losing a license.
Source: South Dakota Driver License Manual (Revised 11/2024), page 12
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Which insurance lapse can cost you your South Dakota driver license?
- Buying a used vehicle from a private seller
- Driving a vehicle registered in another county
- Paying your insurance premium every month instead of yearly
- Not maintaining proof of insurance on every vehicle owned
Show answer
Correct answer: Not maintaining proof of insurance on every vehicle owned
Not maintaining proof of insurance on every vehicle owned, or driving without proof of insurance, is a listed reason for losing a license.
Source: South Dakota Driver License Manual (Revised 11/2024), page 12
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After a license revocation or suspension, how many convictions of reckless driving within a one-year period require you to establish proof of financial responsibility for the future?
- One
- Three
- Two
- Four
Show answer
Correct answer: Two
Two convictions of reckless driving within one year, along with some other events, require proof of financial responsibility for the future.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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Which of these leads to a required proof of financial responsibility for the future after a license revocation or suspension?
- A conviction for vehicular homicide
- A single speeding conviction
- A parking violation
- A conviction for an equipment violation
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Correct answer: A conviction for vehicular homicide
Vehicular homicide is one of the listed events that requires proof of financial responsibility for the future.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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How do most motorists provide proof of financial responsibility for the future?
- They pay a deposit at the exam station
- They send the registration certificate to the State Treasurer
- They carry a signed letter from a family member
- Their auto insurance company files an SR22 form with Driver Licensing
Show answer
Correct answer: Their auto insurance company files an SR22 form with Driver Licensing
Most motorists have their auto insurance company file an SR22 form with the Driver Licensing Program.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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Where must SR22 forms be received?
- At any driver exam station
- At the central administrative office
- At the County Treasurer's office
- At the local police department
Show answer
Correct answer: At the central administrative office
Driver exam stations cannot accept SR22 forms; they go to the central administrative office.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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Who must SR22 forms come from?
- From the driver, delivered in person
- From the County Treasurer
- Directly from the insurance company
- From the driver's attorney
Show answer
Correct answer: Directly from the insurance company
The forms must come directly from the insurance company.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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Who must maintain a form of financial responsibility under state law SDCL 32-35-113?
- Only drivers who are under 25 years of age
- Only owners who have more than one vehicle
- Only drivers with a prior traffic conviction
- The owner of any vehicle required to be registered
Show answer
Correct answer: The owner of any vehicle required to be registered
The law applies to the owner of any motor vehicle that must be registered.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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Which of these is an accepted form of financial responsibility for an owner of a registered motor vehicle?
- A vehicle registration receipt
- The bond of a surety company
- A written promise from a family member
- A savings account statement
Show answer
Correct answer: The bond of a surety company
The accepted forms include a liability insurance policy, a surety company bond, a deposit certificate or a certificate of self-insurance.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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A Certificate of Deposit or Securities deposited with the State Treasurer must be in what amount to satisfy the financial responsibility requirement?
- $50,000
- $10,000
- $25,000
- $100,000
Show answer
Correct answer: $50,000
The deposit form of financial responsibility requires $50,000 deposited with the State Treasurer.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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A Certificate of Self-Insurance requires a minimum of how many vehicles?
- 26
- 5
- 10
- 100
Show answer
Correct answer: 26
The manual lists a Certificate of Self-Insurance with a minimum of 26 vehicles.
Source: South Dakota Driver License Manual (Revised 11/2024), page 13
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Where must written evidence of your financial responsibility be carried?
- In your wallet only
- In the vehicle it covers
- At home with your registration records
- At the County Treasurer's office
Show answer
Correct answer: In the vehicle it covers
The written evidence must be in the covered vehicle and shown to a law enforcement officer on request.
Source: South Dakota Driver License Manual (Revised 11/2024), page 14
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What must acceptable written evidence of insurance identify?
- The company name and the vehicle's purchase price
- The policy number and your driver license number only
- The company's address and the vehicle's color
- Company name, policy number, effective and expiration dates
Show answer
Correct answer: Company name, policy number, effective and expiration dates
An insurance policy or ID card must name the company, policy number, effective date of coverage and expiration date.
Source: South Dakota Driver License Manual (Revised 11/2024), page 14
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A conviction for failure to maintain proof of financial responsibility is what class of offense?
- Class 1 Misdemeanor
- Class 6 Felony
- Class 2 Misdemeanor
- Petty offense
Show answer
Correct answer: Class 2 Misdemeanor
The manual says this conviction is a Class 2 Misdemeanor.
Source: South Dakota Driver License Manual (Revised 11/2024), page 14
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What penalty is stated for a conviction for failure to maintain proof of financial responsibility?
- 30 days in a county jail, a $100 fine, or both
- 90 days in a county jail and a $500 fine
- One year in jail only
- A $25 fine only
Show answer
Correct answer: 30 days in a county jail, a $100 fine, or both
The Class 2 Misdemeanor penalty is 30 days in a county jail, a $100 fine or both.
Source: South Dakota Driver License Manual (Revised 11/2024), page 14
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A conviction for failure to maintain proof of financial responsibility brings a driver license suspension of how long?
- Not less than 60 days or more than two years
- Exactly 30 days
- Not less than 30 days or more than one year
- Exactly one year
Show answer
Correct answer: Not less than 30 days or more than one year
The suspension runs for a period of at least 30 days and at most one year.
Source: South Dakota Driver License Manual (Revised 11/2024), page 14
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For how long must proof of insurance (SR22) be filed after a conviction for failure to maintain proof of financial responsibility?
- 1 year from the date of conviction
- 3 years from the date of eligibility
- 2 years from the date of eligibility
- 5 years from the date of conviction
Show answer
Correct answer: 3 years from the date of eligibility
Proof must be filed for 3 years from the date of eligibility.
Source: South Dakota Driver License Manual (Revised 11/2024), page 14
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What happens if a driver fails to file the required proof of insurance?
- Only a written warning is mailed to the owner
- Only the license plates are suspended for 30 days
- The fine is doubled, but nothing else changes
- Registration, license plates and driver license suspended
Show answer
Correct answer: Registration, license plates and driver license suspended
Failure to file proof results in suspension of registration, plates and driver license.
Source: South Dakota Driver License Manual (Revised 11/2024), page 14
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Upon conviction of DWI, what must you present to the Department of Public Safety?
- A court-approved driving log
- A signed statement from a doctor
- An SR22 insurance filing
- A new vehicle registration
Show answer
Correct answer: An SR22 insurance filing
A DWI conviction requires an SR22 insurance filing to be presented to the Department of Public Safety.
Source: South Dakota Driver License Manual (Revised 11/2024), page 20
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For how long must you maintain the SR22 insurance after a DWI conviction?
- 1 year from the date of arrest
- 2 years from the date of conviction
- 5 years from the eligibility date
- 3 years from the eligibility date
Show answer
Correct answer: 3 years from the eligibility date
The insurance must be kept for 3 years from the eligibility date.
Source: South Dakota Driver License Manual (Revised 11/2024), page 20